Does my spouse have to be on my car insurance policy?

Car insurance does not require that you add your spouse to your policy though insurance companies may offer discounts to married couples. Adding your husband or wife to your auto insurance policy might save you some money, but you are not guaranteed a discount.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 21, 2021

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Things to remember...

  • Many times spouses will be listed on car insurance policies together
  • However, some instances may warrant removing your spouse or keeping your spouse off your policy
  • If your spouse already carries insurance, you may be able to keep them off your policy with an affidavit
  • If there is an issue in your spouse’s insurance or driving history, your provider may be unwilling to provide coverage
  • Getting insurance for different driver types can get very complicated very quickly

When purchasing car insurance, it may be necessary to add your spouse to your coverage.

Whenever you add another individual to your policy, there may be an additional premium charged for adding another driver.

However, there may be some circumstances that your spouse does not need to be on your insurance policy.

If you are on the lookout for affordable auto insurance, start comparison shopping by entering your ZIP code above!

Does your spouse have a car insurance policy of their own?

Your insurance provider may be willing to keep your spouse off your insurance policy if they have a policy of their own. 

In almost every state, it is a requirement to carry insurance coverage of some sort. This compulsory insurance requirement means that licensed drivers in your household may need to be listed on your policy if they cannot prove they have their insurance.

If your spouse moves into your home, you should notify your insurance provider as soon as possible of the new housing arrangement.

If your spouse already carries an insurance policy for their vehicle, then you may ask your provider if you can leave your spouse off the policy.

Your insurance provider will probably require an affidavit from your spouse’s provider stating policy information and confirming coverage.

It’s important to speak to your insurance provider about any life events or household changes. Failing to do so could be considered insurance fraud and it could lead to your policy being voided or canceled.


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Is your spouse ineligible to be on your policy?

There are unique circumstances that may result in a driver being ineligible for coverage through a provider.

This ineligibility could be due to several different reasons, such as:

Due to these various reasons, your spouse may not be able to be added to your policy.

When a life event occurs, such as marriage or a spouse moving in, it’s important to speak to your insurance provider as soon as possible. Once you provide your insurance company with your spouse’s information, they will need to review the proposed change.

If your provider can not cover your spouse, then they may be listed as an ineligible or prohibited driver in your policy terms.

Are you and your spouse going through a separation?

If you and your spouse are separating or going through a divorce, then you may not have to have your spouse listed on your car insurance. These situations often require you and your spouse to determine who is keeping which vehicle, and this will mean changes to the insurance coverage.

When this type of marital status change happens, speak to your insurance provider as soon as possible to update your policy.

Notifying your insurance provider quickly about these changes is important to avoid conflicts or disputes.

For instance, if the divorce proceedings are not amicable, one spouse may attempt to sever all ties and finances. This severance could include canceling insurance policies immediately, which may leave you without protection.

In the situation that you and your spouse are separated, but have not gone through the divorce process yet, it’s still important to speak to your provider. They can often provide you additional guidance on what steps you should take to protect yourself and how to resolve any disputes amicably.

Does my wife/husband have to be on my car insurance?

Spouses are often listed on insurance policies together, but there may be times when you do not have to have your spouse on your policy. If your spouse already has a policy in force, then you may be able to avoid putting them on your policy.

Also, if your spouse cannot be covered by your current provider, they may need to be excluded from your coverage.

Divorce or separation may also be a factor, which means you may not want your spouse listed on your policy at a certain point.

If you are going through one of these situations, it’s important to speak to your provider honestly. They can let you know what steps you may be required to take regarding adding your spouse, removing your spouse, or separating your coverage if the household is dissolving.

If you are going through a divorce or separation and need auto insurance, start comparison shopping today by entering your ZIP code below!

  • Car insurance does not require that you add your wife to your policy
  • Insurance companies may offer discounts to married couples
  • Adding your wife to your policy does not mean you are guaranteed a discount
  • Different driver types may require different insurance coverage

If you’re newly married, you’ve probably noticed that a lot of things have changed. From your bank account to your tax returns, everything you used to manage on your own suddenly starts to merge together with your spouse.

Now that you’ve tied the knot, you may be wondering if you have to add your wife to your car insurance policy.

Start comparison shopping today to make sure you have the right coverage at the best cost. Enter your ZIP code in our FREE tool to get started!

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Checking your State’s Laws and Regulations

Although each state has its own specific car insurance laws, it is generally not a requirement that you have to add your wife to your policy.

It is always important for you to check with your state’s Department of Motor Vehicles to see if there are any special rules or regulations relating specifically to marriage.

Even though in most cases you don’t have to add your wife to your policy, you may want to think about it as there could be some significant advantages to combining car insurance policies with your spouse.


Adding your Wife to Your Car Insurance Policy

Many factors are considered when determining insurance premiums. Often times, there are discounts you can take advantage of. When it comes to car insurance there are some great perks to being married.

Insurance companies tend to smile upon married couples because accident statistics show that married couples are less likely to get into an accident resulting in an injury than those who are single.

Married couples are also associated with being more responsible and stable as their priorities change to caring for more than just themselves. By just being married you could see your rates lower drastically.

Keeping Separate Car Insurance Policies

Saving money is very important when it comes to car insurance. It’s not always in your best interest, however, to combine your policies after marriage. There are some instances where you may want to keep your policies separate.

Credit history is an area that insurance companies look at when determining rates. Paying bills and driving doesn’t seem to go hand-in-hand, but to the insurance company it signifies your level of responsibility.

Insurance companies are looking for a high credit score, meaning you pay your bills on time, apply for credit in a responsible fashion, and keep your credit card balances low.

If you have a 760 credit score but your wife is working with a 300 credit score, then you may want to think about having separate policies.

In a combined policy, the insurance company will take the average of both you and your wife’s credit scores when determining rates. In this case, it would lower the overall score and you could possibly be facing higher premiums with a combined policy.

If you have credit that is so-so and your wife has excellent credit, it could level your scores and reduce your overall premium. Although a 2007 Supreme Court Ruling says that insurance companies do not have to disclose how much the penalty fee is for bad credit, it is estimated that drivers with bad credit pay 20 to 50 percent more than those with good credit.

Driving records can have a major effect on car insurance rates. Serious convictions such as a DUI can make it difficult for drivers to even find insurance companies that want to cover them.

Many drivers with prior convictions have to deal with insurance companies that specialize in high-risk drivers, which usually means no discounts and extremely high rates.

If you or your spouse has had a DUI conviction on your record, it’s probably best to split the policies instead of combining them and making you both suffer. The best way to separate these policies is to assign the driver with the DUI with the car that is the least expensive to insure.

If both you and your wife have good credit and stellar driving records, you’ll probably see a significant change by adding her to your insurance because there are other advantages to a joint policy as well. Insurers want as much business as possible, and they often give discounts when you buy more coverage.

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Shopping Around for the Best Car Insurance Rates

When choosing between a combined policy or separate policies, be open-minded. You don’t have to stick with your car insurance company or hers. Be sure to shop around and compare multiple quotes for both combined and separated policies to see who offers the best deal.

Even if you don’t add your wife to the policy, just by notifying the insurance company that you are married could have an affect on your insurance rates.

If you do add your wife onto your policy, you could earn a multi-car discount along with a variety of other discounts. Here are some other ways you could save money on car insurance rates:

  • combining home insurance with auto insurance
  • driving under a certain amount of miles
  • installing anti-theft devices in your vehicles
  • falling under a good driver category
  • completing a defensive driving course
  • being a member of a certain organization
  • working in a low-risk occupation

Marriage is wonderful in more ways than one. Just remember to think strategically when you are searching for the right kind of car insurance. Don’t forget to compare quotes in order to choose the best option for you and your spouse. Enter your ZIP code in our FREE comparison tool to get started!



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