Best Car Insurance Companies That Require Spouses To Be on the Same Policy (2021)

Just about all car insurance companies require spouses to be on the same policy. This applies if you are living in the same house. If you are living apart, it’s perfectly fine to have separate car insurance plans. You can also get discounts on car insurance when you get married. If your spouse is a bad driver you may end up paying more for car insurance than you did when you were single. Companies like Progressive, GEICO, Allstate, and State Farm all insure married couples under the same policy.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 3, 2022

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The Highlights

  • There are no car insurance companies that don’t require spouses to be on the same policy
  • Insurance companies expect that in a marriage, both parties will have equal access to the insured vehicle
  • Many insurers make it mandatory for you and your spouse to be on the same policy
  • You can take your spouse off your policy if you separate, or you can make them an excluded driver on the policy

Taking the leap and getting married can be a happy and joyful time. It’s also a time to get your finances in order. Many things like housing and banking are easier to do jointly. So, how does your vehicle insurance fit in the picture?

Just like the other areas of your life that are now joined together, your auto insurance policy is probably now linked to your spouse. If they are now a married driver, the two of you may have to be on the same policy.

You may be thinking, are there exceptions to this rule? How can I get the best deal on car insurance now? What are the car insurance companies that require spouses to be on the same policy? Will my auto insurance rates go up now that I’m married?

Keep reading to find out the answers to all these questions and more.

Don’t wait to find out rates on car insurance for spouses on the same or separate policies. Use our free tool by entering your ZIP code above and get car insurance quotes from top companies in your city right away.

Which car insurance companies will insure married couples?

Several car insurance companies provide insurance to married couples, such as:

  • Allstate
  • Progressive
  • State Farm
  • GEICO

It’s best to compare quotes and read reviews like a Progressive insurance review before deciding on which company is right for you, as a newly married driver, and your husband or wife.

How can I add a spouse to my car insurance?

One of the many things on your to-do list for your wedding should be combining car insurance after marriage.

Inform your insurance company or get a quote so you know what your new rate will be. The next stage in the insurance updates after marriage is showing your spouse’s social security card and possibly your marriage certificate.

How does a spouse affect your car insurance rates?

Adding your spouse to your insurance coverage may not seem like a hardship. For most people, it isn’t. But what happens if your wife or husband has a poor credit score or driving record, might your rates go up?

The answer, unfortunately, is yes. If your new spouse has a speeding habit and has racked up some tickets, your premiums are likely to take a hit. Types of coverage available to you, as well as your insurance premiums may change.  That credit card or loan that is overdue will also affect you both.

The good news is, insurance companies also see married couples as being less likely to get into serious accidents. So married couples can actually take advantage of car insurance discounts, and enjoy cheaper rates.

How can I take a spouse off my policy?

Think about the pros and cons before you decide on excluding your spouse from your auto policy. Sure, you’ll save money.

However, you should consider this: what will happen if your husband or wife ever gets behind the wheel of your car and causes an accident? Your insurance company is likely to deny the claim.

If there’s any chance your spouse will ever drive your vehicle, it’s probably a good idea to pay the higher cost and put them on the policy.

This is likely to be less expensive than paying for the result of any injuries and other costs caused by an accident.

You can avoid an insurance rate hike by listing your spouse as an excluded driver on your policy. You’ll have to check with your insurance company to see if that’s permitted. Some will say yes, while others will say no. Your actual insurance policy may have coverage limits for different scenarios.

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What You Need to Know About Car Insurance Companies That Require Spouses To Be on Same Policy

Picking the best car insurance company isn’t always easy. This is especially true if you may be dealing with a surprise like your spouse’s past actions raising your insurance rates. That is why comparing quotes is always a good idea.

Now that you know everything you need to know about spouses on the same car insurance policy, you should make sure you’re getting the best deal. It couldn’t be easier with our free tool.

You can get free quotes on car insurance for married and unmarried couples by entering your ZIP code now.

Frequently Asked Questions: Car Insurance Companies That Require Spouses To Be on Same Policy

Have more questions about spouses on the same car insurance policy? Here are the answers to the most frequently asked ones.

#1 – Is it possible for married couples to have separate car insurance policies?

You will continue to have to be on the same policy as long as you’re married and your spouse shares a home with you. You can remove them off your insurance if you separate and they no longer live in the house.

#2 – Do car insurance companies ask for proof of marriage?

Yes, when you get insurance the insurer will usually ask for your marital status. If you state that you are married, you may have to provide a marriage certificate for verification.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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