A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 14, 2021

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Important facts to know...

  • When you buy auto insurance, it’s important to structure your insurance policy right to avoid coverage and claims issues
  • With most companies, you’ll need to add your boyfriend as a driver if he has regular access to your vehicle
  • If your boyfriend lives in the household, you will need to either list him or rate him as a driver
  • When a household driver has his own insurance policy, they won’t have an impact on your rates but should be disclosed
  • When you only let your boyfriend drive your car occasionally, he’ll be considered a permissive user

If you’re like most people, you don’t let just anyone drive your car. You must friend develop a relationship with that person and build trust before you’ll even consider lending your car to a friend to drive on a short trip to the store.

It’s not an everyday thing, but knowing that anyone you let drive your car is covered under your insurance is imperative.

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You’re much more likely to allow your boyfriend to drive your car than you are to allow your friend. If you’re going on a date or you want to have a few drinks, it’s nice to know that your boyfriend will be there to drive so that you don’t have to.

Before you get too excited, here’s what you need to know about adding your boyfriend as a driver:

Who needs to be listed as a driver under your insurance?

The key to structuring your insurance policy right is to know when an additional driver needs to be listed on your policy and when a driver doesn’t need to be.

If everyone was covered to drive your vehicle at any time they pleased, you’d never have to worry about paying the insurance premium increases to add new drivers to your insurance.

The insurance company sets rules to protect the carrier from losing out on profits. In your contract, it specifically says that you must list all household drivers on your policy for coverage.

As long as the driver lives in your house and has access to your cars, that driver should be named on your policy declarations page.

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Can you add a driver to your policy if they don’t live in the household?

If you and your boyfriend don’t live together, it doesn’t mean that automatically don’t have to list him to your policy as a driver. You’re more likely to be required to add him when he’s permanently in the home, but the possibility still exists when the two of you live separately.

When you and your partner live at the same address, your car insurance company will consider them a member of the household and ask you to add your boyfriend to the policy.

Usually, you’re only required to add a driver who’s not living in your home to your insurance when they have regular access to your vehicle.

If you let your boyfriend drive your car whenever he wants to or he has a set of spare keys, he needs to be a rated driver.

This ensures that the insurance provider won’t deny an insurance claim or ask too many questions when you file a claim after an accident.

What happens if your boyfriend rarely drives your car?

If your boyfriend doesn’t have his own set of keys and he rarely drives your car, it’s a different scenario.

Since he doesn’t frequently drive the vehicle and he doesn’t have access to it whenever he pleases, he doesn’t need to be added to your policy as long as he doesn’t live in your home.

Instead of adding your boyfriend as a rated driver, he’ll be covered when he drives your car under the permissive user provision written into all standard car insurance contracts.

The provision says that someone who drives your car after you give express or implicit permission will be covered as if they were a listed driver. The following permissive user guidelines have to be met:

  • The driver must be licensed to drive in the US
  • The driver must be experienced behind the wheel
  • The driver must have an acceptable driving record
  • The driver can’t live in the home
  • The driver can’t have regular access to your car
  • The driver can’t have an insurable interest in the vehicle being operated

Are there any exceptions to a permissive use clause?

There are some exceptions to this rule. If your partner meets any of these restrictions, he may need to be added as a listed driver on your policy.

  • Member of household-If your boyfriend lives with you and wants to drive your car, he needs to be added to your policy.
  • Uninsured driver-If your boyfriend is uninsured, your insurance company won’t probably let you grant permissive use to him.
  • Little to no driving experience-If your boyfriend has poor driving experience, he won’t be covered under a permissive use clause.
  • Business use-If your boyfriend plans to use your car for business purposes, driving your car may exclude him from the permissive use clause.

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If your boyfriend has his own car, does he still need to be added?

If your boyfriend does have regular access to your car or live in your home, there’s an exception to the rule that says that drivers who have their own insurance don’t need to be rated on your policy.

If he lives in the home, you should still disclose him as a resident to your insurer.

So if your boyfriend owns a car in his name and has his own policy in force, he won’t have an impact on your rates even if he’s rated. When you disclose the driver to your insurance agent, he’ll be listed as a deferred operator.

This means that he won’t change your policy rate even if he has a bad record since auto insurance companies can’t charge premiums twice for the same driver.

Can you share an insurance policy with your boyfriend if you both own cars?

In the past, only drivers who were related by blood and the married couple could share the same auto insurance policies.

Now, with some companies, there are some more lenient rules that say that domestic partners and even unmarried couples can get insurance on their vehicles together.

There are still rules that must be met when you’re combining your insurance:

  1. First, the two of you must live in the same home.
  2. Second, the policy must be in both of your names separated by the word “or” so that you can satisfy registration requirements. As long as the vehicles are stored at the same address, you shouldn’t have any issues.

What are the benefits of combining your insurance?

If you’re in a long-term relationship, there could be some valuable benefits to combining your insurance:

  • The first benefit is that both you and your boyfriend will receive a multi-car discount off of your premiums when you combine your auto insurance coverage.
  • The next benefit is that it is much more convenient to service one policy.

Always be sure to check and see if you need to add your boyfriend to your insurance before he drives your car.

You’ll need his birth date, full name, driver’s license number, and occupation to list him. If you’re not happy with the rate you’re being quoted to add him, get instant quotes online and see if you’re paying too much for auto insurance. Try our free rate tool today!