Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 29, 2021

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Key Takeaways

  • There are car insurance companies that allow spouse exclusions
  • Spouse exclusions are not allowed in every state
  • The car insurance companies that allow spouse exclusions may also offer increased monthly rates

Married couples often choose to keep separate car insurance policies for a variety of reasons. But doing so comes with specific guidelines, and will likely raise your insurance rates.

An excluded driver is any driver that you ask your car insurance company not to cover, including spouses, and continue past your current policy. There are many car insurance companies that allow spouse exclusions.

Typically, having two separate policies costs more than a single policy with multiple drivers. Failure to adhere to some companies’ spouse exclusion regulations can result in a void policy.

Before learning more about the best car insurance companies that allow spouse exclusions and car insurance companies that don’t allow spouse exclusions, enter your ZIP code into our online tool to compare free quotes from car insurance companies near you today.

Are there car insurance companies that allow spouse exclusions?

You can buy car insurance from companies that allow spouse exclusions, but not without an increase in car insurance rates.

Spouse exclusions vary from each state, and most require married couples living in the same household to be under the same car insurance policy. Being on the same car insurance policy as your spouse ultimately saves money, especially with a multi-car discount.

Some states will not allow you to exclude family members from your car insurance policy, which includes your spouse. However, other states will allow car insurance exclusions under certain circumstances, like having an existing policy and not having a license.

Look at the following table for a list of what states allow driver exclusions on car insurance.

States that Allow Spouse Exclusions on Car Insurance
States that Allow Spouse ExclusionsAllows Spouse Exclusions?
District of Columbia
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
South Carolina
South Dakota
West Virginia
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If you choose to exclude your spouse from your policy, know that doing so will increase your car insurance rates. With separate policies, each policyholder has to pay the car insurance costs in full, whereas costs are split under the same policy.

Regardless of what you choose, be sure to compare car insurance rates from companies that allow spouse exclusions before you decide on a policy. Your age, driving record, and ZIP code could save you money on your car insurance rates with different companies.

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How to Find Affordable Car Insurance Companies That Allow Spouse Exclusions

Depending on your state, finding car insurance companies that allow spouse exclusions is not difficult. However, there are strict rules for doing so, and it will result in higher car insurance rates.

Luckily, there are a few options for you to choose from that will potentially lower your rates and save you money.

These options include talking with an insurance agent before excluding your spouse and seeking out car insurance discounts.

Before you decide to get a spouse exclusion, shop around. Compare car insurance quotes from car insurance companies that allow spouse exclusions and ones that do not. You might find a reputable provider that can offer you more affordable rates.

How can drivers with spouse exclusions save on car insurance?

Excluding your spouse from your car insurance policy is more expensive than paying for one together. There are more ways to save money on the same insurance policy than excluding your spouse.

You can split the costs, drive the same car, and get a multi-car discount with a joint car insurance policy. But, if you are looking to exclude your spouse from your car insurance policy, there are some ways you can still save money.

In the same way that you can benefit from your spouse’s good driving record, a spouse exclusion can save you money if your spouse has a bad driving record.

However, even though they vary from state to state, the stipulations for spouse exclusions are strict. A spouse exclusion is only valid under the following circumstances:

  • A couple is living in different homes (married or separated)
  • Your spouse does not have a driver’s license
  • You get married and list your spouse as a household member on your current policy
  • Your spouse does not intend to drive your vehicle

If your spouse is caught driving your vehicle while excluded from your car insurance, then your policy is void. Failure to fulfill any of these requirements results in spouse exclusion ineligibility or being dropped by your insurance company.

Another option that will save you money with a spouse exclusion is to look into car insurance discounts. The Insurance Information Institute lists car insurance discounts among the list of ways to save the most money on your car insurance.

Car insurance companies usually offer a wide variety of discounts that some drivers are unaware of. Multi-car, good driver, driver status, and other discounts could save you tons of money in the end.

It is imperative to talk with your insurance agent before making any changes to your policy to keep your car insurance rates as low as possible.

No matter what you choose, the best way to find affordable car insurance companies that allow spouse exclusions is to shop around. Comparing car insurance rates from companies that allow spouse exclusions helps you find the best companies for you.

Start your search for affordable car insurance companies that allow spouse exclusions today. Enter your ZIP code below to compare quotes from companies in your area for free.