Do you have to list household members on your auto insurance policy?

I am recently married and wondering if I need to list my husband on my insurance policy. I can't afford for my rates to increase on my policy, and my husband never drives my vehicle. Am I required to list him anyway?

Answer
“Most car insurance companies require that you list any members of the household who are of driving age on your policy. Insurance companies want to know who has access to the vehicle in case of an accident or claim.
Now that you are married, you will need to update your marital status with your carrier. There’s often a discount for married couples, so you may actually see a reduction in your rate after adding your husband.
With that being said, every carrier has different rules. Some may allow you to exclude your husband since he never drives your car. Some may require that he be listed and rated as a driver since you are married.
You should inform your current carrier and see if your premium is impacted. If it does increase, you always have the ability to shop around for a lower rate. “
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Emily Maracle
Answered on Apr 30, 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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