Auto Insurance Companies That Allow Spouse Exclusions
Some states allow auto insurance exclusions, which means you intentionally remove someone from your auto policy. The top auto insurance companies that allow spouse exclusions are USAA, State Farm, and Progressive. You may want your spouse to be exempt from auto insurance if they’re a high-risk driver, which could otherwise cause your insurance rates to increase by 25% to 125%.
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UPDATED: Oct 19, 2021
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- The top auto insurance companies that allow spouse exclusions are USAA, State Farm, and Progressive
- An excluded driver is someone you purposefully remove from your auto insurance policy
- You may choose to exclude your spouse from your auto policy if they’re a high-risk driver
Auto insurance exclusions are legal in several states. You may exclude your spouse from your auto policy if they’re a risky driver. The top auto insurance companies that allow spouse exclusions are USAA, State Farm, and Progressive.
Below, discover what auto insurance companies allow spouse exclusions and determine if it’s right for you and your partner.
After reading about auto insurance quotes from companies that allow spouse exclusions, remember to enter your ZIP code into our free tool above to compare rates from the best providers near you.
What are the top auto insurance companies that allow spouse exclusions?
In some states, you can exclude someone in your household from your auto insurance policy, including your spouse.
By excluding your spouse, you’re guaranteeing they will never drive your vehicle.
The best auto insurance company that allows spouse exclusions is USAA Auto Insurance Company.
USAA provides the most affordable base quotes in almost every state, but the company is only available to military personnel and their families.
For couples who do qualify, USAA offers a handful of discounts that are easier to earn when you’re married, including:
- Homeowner discount
- Multi-car discount
- Multi-policy discount
You can qualify for these discounts even if you exclude your spouse from your USAA policy.
State Farm Auto Insurance Company also allows spouse exclusions and offers the same discounts, but the total rate reduction may be less than what USAA provides.
However, unlike USAA, any driver is eligible to purchase a policy from State Farm.
Progressive Auto Insurance Company is our next recommended provider in states that allow spousal driver exclusions.
Progressive is one of the best insurers for married couples in general; however, its rates are not the most competitive in all parts of the country.
Other affordable auto insurance companies that allow spouse exclusions include:
- Allstate Auto Insurance Company
- Farmers Auto Insurance Company
- GEICO Auto Insurance Company
- Liberty Mutual Auto Insurance Company
- Nationwide Auto Insurance Company
- Travelers Auto Insurance Company
However, you can only legally get auto insurance rates from companies that don’t allow spouse exclusions in some states.
This is because some lawmakers believe that driver exclusions essentially create uninsured drivers.
To buy auto insurance from companies that allow spouse exclusions, verify your local laws, then compare quotes online from multiple providers.
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What is an excluded driver?
An excluded driver is someone you purposefully remove from your auto insurance policy.
Typically, you exclude someone who lives in your home and is high-risk, so they’re causing your rates to increase.
By adding them as an excluded driver, you’re promising they will not drive your vehicle, so their risk level no longer affects your insurance costs.
Potential high-risk drivers you may choose to exclude from your auto policy include teenagers or people in your household with rocky driving records, DUIs, and other traffic violations.
What happens when you exclude a driver from your auto policy? First, call your provider and inform them of the change. Then, the provider updates your policy, specifying that they will not be covered.
But if you keep getting auto insurance quotes from companies that don’t allow spouse exclusions, it may be because of regional laws where you live. Not every state allows driver exclusions.
So if you live in the following states, then you can only choose from affordable auto insurance companies that don’t allow spouse exclusions:
- New York
- Rhode Island
Sometimes the process is complex, even in states where it’s legal to make your spouse exempt from auto insurance, as providers know it’s common for family members to borrow one another’s cars.
What happens if an excluded driver gets in an accident? Even in emergencies, they are not covered at all by your insurance policy. You must pay for all damages on your own.
So don’t exclude your spouse if there’s a chance they will drive your vehicle. However, they are still protected as a passenger in your car.
Your spouse likely still needs auto insurance coverage, especially if you exclude them from your policy, so look for an affordable basic policy or high-risk insurance policy.
According to the Insurance Information Institute (III), driving without insurance is illegal in most states, and if your partner is caught, they could be fined as high as $5,000.
The named exclusion does not cease at the end of your policy period. Instead, it carries over to all future renewals.
Therefore, to add your spouse back to your policy, you must talk directly with your provider.
Assuming your spouse is no longer as high-risk to insure, you shouldn’t have any issues adding them back; however, your rates will change to reflect their driving record.
How does marital status affect auto insurance costs?
Some providers view married people as more responsible than unmarried people and offer cheaper base rates for their auto insurance policies.
Data suggests married couples pay 5% less for auto insurance than single people, a savings of about $120 per year.
The cheapest auto insurance for married couples typically comes from Progressive and State Farm.
However, in some states, non-driving factors like marital status, credit score, and gender cannot be used to calculate insurance costs.
Married couples can also easily qualify for stackable discounts, leading to substantial savings, like multi-policy or homeowners deals.
However, the discounts are available to unmarried people as well.
In fact, you can combine auto insurance with people in your household that you’re not married to, just like you can exclude those drivers from your policy as well.
Auto Insurance Companies That Allow Spouse Exclusions: The Bottom Line
You may want your spouse exempt from auto insurance if they’re a high-risk driver causing your insurance rates to increase. In most states, all of the national providers allow spousal exclusion.
But depending on state laws where you live, you may have no choice but to buy auto insurance from companies that don’t allow spouse exclusions.
If you live where you can only buy coverage from an auto insurance company that doesn’t allow spouse exclusions, lower your rates by earning auto insurance discounts.
Also, consider increasing your deductibles or investing in a more basic insurance policy.
You’ve learned about auto insurance rates from companies that allow spouse exclusions; now enter your ZIP code into our free tool below to compare quotes from the best companies near you.