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Do I have to list my spouse on my policy?
My wife has her own car insurance policy. We both have our own cars and don't want to be on the same policy. I'm looking to switch insurance companies. Do I need to list her on my policy?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Whether you need to list your wife as a driver on your
car insurance
policy will depend on the company.Since every car insurance company requires your marital status, they will likely ask you for her information as you’re married. However, since she has her own insurance, your future company may be okay with her exclusion.
When a driver is excluded from a policy, they don’t have coverage under your insurance. If they were to drive the vehicle and get into an accident, your insurance would not cover the damage.
Because of this, most insurance companies require you to list a spouse as a driver or a named insured. Since you are married, companies assume you share everything, including vehicles.
While you may not want to add your wife to your policy, it can often benefit you. Most married couples have lower insurance rates. Your wife also can still keep her own insurance. Adding her as a driver doesn’t mean you have to add her vehicle to your policy or change your coverage.
Before deciding what company to switch to, you should request
car insurance quotes
. You can list yourself and your wife as drivers to determine what the best rate would be. You may end up saving more than what you were previously paying. If you’d like help shopping for policies, try using the
Jerry
app. Jerry compares rates from the top providers and delivers the best deals to your phone in minutes, saving you time and money.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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