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 19, 2021

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Here's what you need to know...

  • Most auto insurance companies require that you add your spouse to your auto insurance.
  • This is especially true if your spouse frequently drives your vehicle.
  • Not doing so can cause your auto insurance company to not pay on a claim or to require you to pay back premiums.
  • You may qualify for discounts by adding your husband to your insurance.
  • You should ask your car insurance company about any other discounts you may be eligible for.

Sometimes the ins and outs of car insurance can be confusing. If you have recently gotten married or purchased a vehicle, you may be wondering if you need to add your husband to your car insurance policy. The answer to this question can vary based on different circumstances.

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However, finding an affordable car insurance policy is simple and easy with the use of an online price comparison tool. These tools are a fast way to compare car insurance companies, policies, and quotes. Using one will give you the confidence that you are getting the best premium you can.

Should My Spouse be on My Car Insurance Policy?

This can be a confusing question with many different answers. If your spouse lives with you and drives your vehicle on a regular basis, then yes, you should have them on your car insurance policy. The same rings true for anyone who lives with you and drives your car frequently, be it your roommate, sibling, or girlfriend. Not adding them to your policy can turn into a disaster.

It’s much easier to do the right thing to begin with than to have to back pedal and dig deeper into your pockets.

If they are to get into an accident in your car, your car insurance company may refuse to pay the claim or they may make you pay back premiums for the months that they should have been on the auto insurance policy.

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Benefits of Adding Your Spouse to Your Auto Insurance Policy

By adding your spouse to your car insurance policy not only are you compliant with their rules and regulations, but you may also end up getting a discounted rate. Men and even some women, who are married will often see lower auto insurance premiums.

Married men are seen as less of a risk to auto insurance companies, as they are less likely to file claims, have DUIs and participate in risky driving behaviors.

You can also get a discount for having more than one driver and more than one vehicle on your car insurance policy. Married couples usually find financial benefit in each being on the insurance policy for every car that they own.

Other Car Insurance Discounts

In addition to multi-driver and multi-vehicle insurance discounts, you should ask your customer service representative or your insurance agent about other available discounts you may qualify for. Some auto insurance companies may not give you this discounts unless you specifically inquire about them.

Such discounts include:

  • Loyalty Discount- Many car insurance companies will give you a discounted rate for being their customer for a certain amount of time.
  • Veterans/Military Discount- Current members of the military and veterans can often get discounts on auto insurance.
  • Good Driver Discount- If you have not had any accidents or tickets in your recent driving history, you may be eligible for a good driver discount.
  • Defensive Driving Course Discount- Taking a defensive driving course or another type of driving class may qualify you for a discount on your premium.
  • Good Student Discount- Getting good grades in school helps many students achieve lower car insurance rates.
  • Multi-Policy Discount- Bundling all of your insurance needs, such as life and home, with one company can oftentimes save a significant amount of money overall.
  • Green Vehicle Discount- If your vehicle meets certain parameters such as being a hybrid or an alternative fuel vehicle, you may see additional discounts.
  • Pay in Full Discount- Paying your premium in full at the beginning of the year or the beginning of your six-month policy term can help save you money in the long run.
  • Paperless Billing Discount- It can pay if you decide to have all of your auto insurance statements, bills, and other documents delivered to you electronically. Some auto insurance companies also provide a discount if you pay your bill online.
  • Distant Student Discount- If you are going to college a certain distance from home and will be taking your vehicle with you, some car insurance companies will grant you an additional discount.
  • Car Safety Feature Discounts- If your vehicle has passive restraints, anti-lock brakes, anti-theft devices, airbags, or other important safety features, you can often qualify for more discounts.

Types of Auto Insurance Coverage

If you need to add your spouse to your auto insurance policy, now may be a good time to do a full review of your policy. It is recommended that you review your policy at least once per year anyway. Making sure you have the coverage you need and want will protect your financial interests.
Here is a review of the different car insurance policy types:

  • Liability- There are two types of liability coverage, bodily injury, and property. Liability is the minimum amount of mandated auto insurance required by most states. Liability covers damages you cause to others.
  • Collision- This type of coverage is optional and covers your costs if you are in an accident or hit something and your car needs to be repaired or replaced.
  • Comprehensive- This portion of your auto insurance policy covers other damages not covered under the collision portion of your policy such as fire, theft, vandalism, floods, hail, and other weather events.
  • Med Pay or PIP- Mandatory in some states, med pay, also known as personal injury protection, pays for your medical bills and sometimes lost wages in the event of an accident. In some cases, it may also cover paying for necessary household help as a direct result of a car accident.
  • Uninsured/Underinsured Driver- This type of coverage is also required in some states. If you are in an accident with another driver who does not have auto insurance or does not have enough auto insurance to cover the costs of the damages they caused, this portion of your policy will come into play.

While adding your spouse to your auto insurance policy may cause your insurance to increase, it is generally required by most insurance companies.

In some cases, you may even see your insurance go down due to your marriage and other applicable discounts.

If you need to find a lower rate for your auto insurance premiums or just want to be sure that you are receiving the best rates possible, try using an online auto insurance premium comparison tool. These tools make it quick and easy to save money. Enter your zip code in our FREE tool below to compare car insurance rates now!