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?

“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.”
Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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