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 18, 2021

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Here's what you need to know...

  • Sharing a car insurance policy offers vehicle owners benefits. One of the major benefits is that you’ll be eligible for a multi-car insurance discount.
  • Not everyone qualifies for joint car insurance, but if you’re married, you can share your coverage even if you’re not both registered owners on the vehicles in the household.
  • Under the standard auto insurance policy agreement, you’re also eligible to share your car insurance with your parents your adult children, your domestic partner or other family members that you live with.
  • If you don’t share the same primary residence, you can’t apply for shared auto insurance because the rated garaging address will be different.
  • Some insurance companies will offer policyholders the option to share insurance with their roommates or friends, but the vehicles on the policy must be registered in both names to prove that each party has an insurable interest.
  • Be careful when you combine insurance. If the policy has two named insureds, you may have to get claims disbursements signed off before they can be cashed.

Not everyone likes to share, but sharing your car insurance comes with some major advantages. One of the biggest benefits of joint car insurance is the fact that you’ll be eligible for a sizable multi-car discount. If sharing sounds like something you’d like to do, you need to research who is eligible for joint car insurance and who isn’t. Compare car insurance rates now by using our FREE tool above!

When couples get married, they become one. This means that what a husband owns becomes the wife’s. Because of this, all couples living in the same household are eligible to share their car insurance plans after they walk down the aisle. While being married is a universal guideline that makes you eligible for a joint policy, it’s possible to share insurance with someone other than a spouse. Here is your guide to shared insurance and what you can do to save money.

What are the rules for shared insurance when you’re married?

Auto insurance is a contract and under the agreement, there’s a definition stating who qualifies to be a named insured. When you say your nuptials and you form a union with your spouse, you are eligible to drop one insurance policy and combine your plans from the moment your marriage certificate is issued.

Unmarried couples may have to prove that they are a co-signor on a loan or a registered owner of a covered auto, but this requirement doesn’t exist when you’re married.

The primary reason that the named insureds don’t need to be registered owners on all of the vehicles is because they are married. When you’re married, your property becomes your spouse’s property. This means that both spouses have an insurable interest on household cars regardless of whose name is on the registration. The only criteria that must be met includes:

  • Both spouses must be living in the same household
  • Both spouses must have an active driver license
  • Each driver must have an acceptable driving record that makes them eligible for coverage

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Do domestic partners qualify for the same joint policy benefits?

Domestic partners may not have a marriage certificate, but in the eyes of most insurers, if you’re registered with the state you’re treated the same as a married couple. Some companies won’t just accept a self-declared domestic partnership. With these companies, you’ll need to show that you have the official registration paperwork before you can combine your vehicles on one policy.

Each state has its own rules and some companies are more lenient than others. While partners do share a domestic life, under the law they don’t actually share all of their property like a married couple. You’ll need to do your research before you switch to the wrong carrier that doesn’t offer the best joint discounts.

What other parties qualify to share insurance with you?

An auto insurance policy is a very specific contract. If there’s any confusion surrounding who can and can’t share an auto insurance policy, you can look at the personal auto policy contract and find the definition of named insured. Based on what the insuring agreement says, the following people are defined as insureds:

  • A spouse living in the same household
  • An adult child living in the household
  • A parent living in the household
  • Other relatives living in the household

What are the guidelines to sharing a car insurance policy?

If you’re not married or in a registered domestic partnership with your secondary named insured, you’ll need to meet the ownership guidelines. In these cases, the registration on each car will need to state both names. If you’re related, there may be more leniency. Especially when the relation is between parents and their adult children.

If the registration doesn’t have both names for a non-related household member, many companies won’t allow you to share insurance.

The easiest way to tell if you’re eligible to share insurance is to do the ‘insurable interest’ test. You need to ask yourself if you would suffer any financial loss if the other party crashed their car or damaged someone’s property. If you answer no, then you probably won’t be eligible to combine your insurance with more reputable companies.

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What are the benefits of sharing auto insurance?

The biggest benefit of sharing auto insurance is that you will receive a 10 to 30 percent discount off of your premiums for each car on the policy. While this is enough to have roommates and relatives running to combine their policies, it’s not the only benefit. Here are the other benefits to consider:

  • You’ll receive multi-line discounts if a named insured on the policy has another line of coverage
  • You’ll be eligible for prior insurance and loyalty discounting if the policy has been effective for a while
  • You can make a single payment
  • You can make all of your changes at once when servicing your plan

What to Keep in Mind When You’re Combining Insurance

There are advantages, but if things go south with your friend or family member, you better be sure you have your policy structured right. There are two ways to or your policy when there are multiple named insureds. If you list both names with an ‘and’ between them, both parties must sign-off on a claims check. If you separate the names with an ‘and/or’, only one party needs to sign. Be sure that you know this as you build the policy or a spat could really land you in hot water.

Being married makes combining insurance easier, but it’s still possible to get joint insurance without saying ‘I do’s’. Make sure that you check the eligibility guidelines when you’re deciding on a policy. If you’d like to price the cost of coverage first, use an online rate comparison tool and find out how much you’ll save. After comparing premiums, apply for the plan that makes the most sense and save. Enter your zip code in our FREE tool below to compare car insurance rates now!