Add your spouse to your automobile insurance policy (2022)

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Thinking of adding a spouse to your auto insurance policy? In most cases, this is a good idea. Insurance companies expect drivers to let others borrow their cars, especially spouses. But what are the benefits of adding your spouse to your auto insurance, and should you always do so? This article examines these questions to help you decide.

Once you are married, now is a good time to re-evaluate your auto insurance options. If you want to find the best auto insurance business, be sure to shop around and compare quotes. Enter your postal code below or call (844) 246-8209 to get some free and personalized quotes for your vehicle.

In this article:

Should you add a spouse to your insurance policy?

Most insurance companies require that you add your spouse to your auto insurance policy. You are generally expected to list all licensed drivers in your household on your policy. Insurance companies assume that these people can use your car on a regular basis.

Failure to add your spouse to your insurance policy after they move in with you could be a violation of your auto insurance contract. If your spouse has an accident with your car and is not listed on your policy, your claim may be refused.

Even if you don’t have to add your spouse to your insurance, it’s usually worth doing for several reasons. The benefits are a little different depending on whether you and your spouse share a vehicle or drive separate cars. In both cases, it is generally recommended to appear on each other’s fonts.

If you and your spouse share a vehicle, your spouse should definitely be added to your coverage. Your rates are likely to increase when you add another person to your policy, however, this is certainly cheaper than buying a second policy for your spouse.

If your spouse has a better driving record and a better credit rating, you might even consider registering the car in your spouse’s name and having them as the primary policy holder.

Even if you and your spouse have separate vehicles, you should consider signing up on each other’s policies. In this case, consider purchasing both policies with the same insurer. If you and your partner have different auto insurance providers, you should consolidate.

Adding a spouse to your policy will likely increase it slightly. However, if you buy two policies from the same insurer, you will likely qualify for a multi-car discount. You will likely pay less for your bundled policies than you will pay individually with separate policies.

Plus, when your insurer finds out you’re married, there’s a good chance your rates will drop. Married people tend to file fewer claims and therefore can generally get lower premiums.

Finally, it is convenient to have two policies grouped under one account. You can manage your policies in one place and pay your bill together, rather than juggling multiple companies and vendors, each of which may have a different claims process and billing cycle.

How to add your husband or wife to your auto insurance

If you’re ready to add your spouse to your auto insurance, simply contact your insurer (or your spouse’s insurer) and ask them to do so.

When you add your spouse to your policy, you can either add your spouse as a joint owner of the policy or as a registered driver. Co-owners have control over the policy and can file claims, change coverage and pay bills themselves. A listed driver is covered by a policy, but cannot do any of the things mentioned above.

In most cases, there is no reason not to register your spouse as a co-owner.

When not to add a spouse

Why would not are you adding your spouse to your coverage? One of the reasons may be if they have a very bad driving record. If they are considered particularly risky to insure, it may be better if they have their own high risk policy.

You can specifically exclude a spouse from coverage. However, not all auto insurance companies will allow you to do this. Contact your insurer and ask if this option interests you. If you decide to register your spouse as an excluded driver, it means that he will never be able to drive your vehicle.

Best recommendations for auto insurance

Marriage can ultimately lead to lower auto insurance premiums, especially if both people have strong driving histories. Bundling fonts is often cheaper than buying two fonts separately. If you’ve been recently married, now is a great time to re-evaluate your auto insurance options. During your research, consider two vendors that performed well in our industry-wide review: USAA and Progressive.

Enter your zip code below or call our designated quotation team at (844) 246-8209 to compare free auto insurance quotes from providers in your area.

USAA was founded in 1922 and has since grown into one of the largest auto insurance companies in the United States. Originally founded by military officers, USAA continues to provide insurance and banking products exclusively to military personnel and their families. If you or your spouse is eligible for a USAA policy, both of you can purchase USAA auto insurance after you marry. If this is an option for you, we recommend that you get a quote from the insurer. USAA is the only auto insurance provider that we have rated 5.0 out of 5.0 stars.

USAA customers value excellent customer service and a smooth complaints process. In the 2019 JD Power Study on Auto Insurance in the United StatesSM Overall Customer Satisfaction Index (by US region), USAA achieved a comprehensive score of 5 out of 5 (“top rated”) in each region. JD Power results are generated by contacting over 40,000 customers. Customers are encouraged to rank their insurers based on the following factors:

  • Interaction
  • Policy Offers
  • Price
  • Billing process
  • Policy information
  • Complaints

USAA also receives top marks from AM Best (A ++). It is a company with a solid financial base and a reputation for trust. To find out more, read our full USAA Auto Insurance Review.

We rate progressive insurance 4.5 out of 5.0 stars. Depending on the discounts you are entitled to, a progressive policy may be your cheapest option. We believe that progressive auto insurance is a particularly attractive option for high-risk drivers because of offers such as small and large accident remission.

Some of the discounts offered by Progressive include:

  • Good student discount
  • Discounts for multiple vehicles
  • Discount on multiple policies
  • Anti-theft discount
  • Owner discount
  • Continuous coverage discount

We have found that Progressive receives a relatively low volume of customer complaints through the Better Business Bureau. The company has a long history of service, and it’s a good bet if you can find a policy with the rates you want. Read our full Gradual review of auto insurance to learn more.

Frequently Asked Questions


In an effort to provide accurate and unbiased information to consumers, our team of experts collect data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a rating in each of the following categories, as well as an overall weighted rating out of 5.0 stars.

  • Industry Ranking: Insurers with strong financial ratings and client-focused business practices receive the highest scores in this category.
  • Availablity: We consider availability by state as well as exclusions for specific groups of drivers.
  • Blanket: This rating is based on the types of insurance available, maximum coverage limits and supplemental policies.
  • Cost and discounts: Our research team reviews sample quotes for a variety of drivers in each state. Companies with lower prices and plenty of auto insurance discount opportunities receive the highest scores.
  • Customer service: We comb through customer reviews and consumer review studies from experts like JD Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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