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

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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

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?

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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.

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.

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Are you and your spouse going through a separation?

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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.

Conclusion

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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!

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