Auto Insurance Companies That Require Spouses to Be on the Same Policy
Auto insurance companies that require spouses to be on the same policy generally do so because you will be driving each other’s cars. Although car auto insurance companies that require spouses to be on the same policy offer lower rates and discounts for married couples, it’s not always the best idea to share a policy. If your spouse has a bad driving record, consider finding a way to have separate policies to keep rates low.
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UPDATED: Nov 3, 2021
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- Most auto insurance companies require you to add your spouse to your insurance policy
- Many companies offer auto insurance discounts and lower rates to married couples
- Depending on the state that you live in, you may be able to exclude your spouse from your auto insurance policy
When you get married you naturally start combining your lives. Although combining car insurance after marriage can usually save you money, there are times that it doesn’t work in your favor.
However, auto insurance companies that require spouses to be on the same policy usually offer lower rates and an extra discount to married couples.
If you are married, shop around for auto insurance that gives you both the best rates. Compare multiple auto insurance companies to find the best coverage with low rates.
Keep reading to learn more about car insurance companies that require spouses to be on the same policy. Enter your ZIP code to compare free quotes from companies in your area today.
What auto insurance companies require spouses to be on the same policy?
Most auto insurance companies make you list your spouse on your policy. The reason is simple. If you live in the same house, there is a very high chance that you drive each other’s cars.
Rates from auto insurance companies that require spouses to be on the same policy are usually lower because they feel drivers who are married are less risky and are safer drivers.
In fact, married people are generally healthier and live longer than single people according to the Centers for Disease Control.
This table shows you average annual rates for drivers based on age, gender, and marital status.
|Company||Average Annual Rates Single 17-Year-Old Female||Average Annual Rates Single 17-Year-Old Male||Average Annual Rates Single 25-Year-Old Female||Average Annual Rates Single 25-Year-Old Male||Average Annual Rates Married 35-Year-Old Female||Average Annual Rates Married 35-Year-Old Male||Average Annual Rates Married 60-Year-Old Female||Average Annual Rates Married 60-Year-Old Male|
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Older married drivers have much cheaper rates. Younger drivers who aren’t married are seen as riskier drivers.
Adding your spouse to your policy is easy. You just have to contact your auto insurance company and tell them you have gotten married.
Do car insurance companies ask for proof of marriage?
Depending on your company, you may have to provide a copy of your marriage certificate as well as an updated driver’s license with a name change.
Why would you not want to share an auto insurance policy with your spouse?
Although it is usually cheaper for a married couple to share an auto insurance policy, there are multiple reasons to consider excluding your spouse from car insurance.
Quotes from auto insurance companies that require spouses to be on the same policy can be more expensive if one of you has less than perfect criteria.
If your spouse has a bad driving record, drives an expensive car, or even has bad credit, both of your auto insurance rates can go up if your policy is combined.
While most companies want you to share a policy, you may be able to find auto insurance companies that don’t require spouses to be on the same policy in certain states.
Each state will have its own rules about what auto insurance companies can and cannot require.
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How can married couples save money on auto insurance?
Most companies offer auto insurance discounts married couples can take advantage of. Not only do many insurers offer a married couples discount, but many other discounts may apply as well such as a multi-vehicle discount.
This table shows you common auto insurance discounts from the top companies. The amount of the discount is listed if it is known.
|Auto Insurance Discounts||Allstate (%)||American Family (%)||Farmers (%)||GEICO (%)||Liberty Mutual (%)||Nationwide (%)||Progressive (%)||State Farm (%)||Travelers (%)||USAA (%)|
|Adaptive Cruise Control||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Daytime Running Lights||x||x||x||1||5||5||x||N/A||x||x|
|Electronic Stability Control||x||x||x||N/A||5||x||x||N/A||N/A||N/A|
|Forward Collision Warning||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Lane Departure Warning||N/A||N/A||N/A||N/A||x||x||x||N/A||N/A||N/A|
|New Customer/New Plan||N/A||N/A||N/A||N/A||x||N/A||N/A||N/A||N/A||N/A|
|Seat Belt Use||N/A||N/A||N/A||15||N/A||N/A||N/A||N/A||N/A||N/A|
|Students & Alumni||N/A||x||N/A||x||10||7||N/A||N/A||N/A||N/A|
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For even greater savings, bundle multiple discounts and take advantage of lower rates for married couples.
Auto Insurance Companies that Require Spouses to be on the Same Policy: The Bottom Line
Most auto insurance companies require your spouse to be listed on your policy. However, some states allow you to exclude your spouse.
In general, married couples save money on car insurance by sharing a policy since many companies offer lower rates and more discounts to married people.
Shop around to find the cheapest auto insurance rates for married couples. Find the best company with the lowest rates that gives perks for being married.
Now that you know about auto insurance companies that require spouses to be on the same policy, enter your ZIP code to compare quotes from companies near you for free.