Do I have to add my spouse on my auto insurance policy?

My wife has a terrible driving record. Farmers is saying I have to add her to my policy but the rate will skyrocket if I do. She never drives my car, why would I have to include her?

Answer provided by
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Shannon Martin
Answered on Jun 25, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“With all carriers, spouses must be included in the policy. Since you are married, in some ways, you are seen as “one” person. Since you are married, if she drives your car and gets sued, you are sued too. Having your spouse as a part of the policy protects both people.
That being said, if your wife never drives your car, ask your Farmers agent if she can be excluded from the policy. By completing a driver exclusion form, your wife would be noted on the policy but not rated for. This means if she were to drive your car and there was an accident, the claim would be denied.
Not all carriers offer driver exclusions for spouses. If Farmers doesn’t, you may want to shop for car insurance quotes online for one that will.”
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