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 Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Adding your boyfriend to your insurance policy may be necessary based on your situation
  • If your boyfriend drives your car frequently, then it may be a smart idea to add him to your policy
  • Also, if your boyfriend lives in your home, your insurance provider may require you to add him to your policy
  • However, it’s important to know what your boyfriend’s previous driving record and insurance history contain before you add him
  • Make sure to research any state-specific exclusions or limitations that your policy may contain before you add your boyfriend to your policy

Deciding to add someone to your insurance policy is not a decision to take lightly, but there are situations that may make it necessary.

When it comes to a significant other such as your boyfriend, the answer may be more complex than a simple yes or no answer.

Compare rates from top insurers and see how much it would cost to add someone to your policy. There are a couple of factors to take into consideration before you add him to your policy.

Should you consider how often your boyfriend operates your vehicle?


One of the first things to consider is how often your boyfriend is operating your vehicle. Whenever someone other than you operates your vehicle, it will usually be your insurance policy covering any potential loss, regardless of any insurance carried by the driver of the car.

When it comes to car insurance and adding drivers, your insurance policy may have stipulations on when you need to add a driver to your insurance.

For instance, if your boyfriend lives with you and drives your car on a weekly basis, your insurance company may consider him a primary driver. If this is the case, your insurance provider may require you to list him on your policy.

If your boyfriend is not listed on your policy and gets into an accident while driving your car, then your provider may be hesitant or unwilling to cover any claims he is at fault for.

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Can your boyfriend’s driving record affect your policy?

When you add another driver to your policy, there is the potential that their driving record or insurance history can influence your policy.

If you add your boyfriend to your insurance policy, make sure to ask him about the following:

  • His driving history including any accidents
  • His claims history
  • Other auto-related incidents that you should be aware of

Adding a driver that has a poor driving record can increase your policy premiums, raise your insurance risk score, or cause your provider to cancel or non-renew your policy.

If you have questions about how your policy may be affected by adding your boyfriend, speak to your insurance provider before making the change.

If your current provider is unwilling or unable to add your boyfriend, you may want to consider looking for a different insurance provider to meet your needs.

Can your boyfriend’s living situation be a factor?


There are several factors that your provider takes into consideration when determining your coverage costs and limits. One thing that your provider may look at when writing your policy or deciding to renew it is the individuals that live in your home with you.

For example, if you and your boyfriend share a home, then your insurance provider may be more likely to assume he is operating your vehicle often enough to necessitate being added to your policy.

Every provider is different, and if you can prove your boyfriend has his own car insurance and registered vehicle, adding him may not be necessary.

It’s important to be honest with your insurance company when they are quoting your coverage or making any policy changes.

If there is an accident or claim situation that occurs and your insurance provider discovers that inaccurate information was provided, they may void or nullify your claim.

This could even be considered insurance fraud, which could result in more serious consequences.

Watch out for any exclusions or other circumstances

Every state has different insurance regulations in place, some of which may limit or exclude who can operate a vehicle if they are not listed on the policy.

If you have not listed your boyfriend on your insurance policy and he is involved in an accident, this could result in your claim being declared invalid. If this is the case, you may be financially responsible for any property damage or bodily injury that has occurred.

Exclusions and other policy limitations are taking away coverage from an insurance policy. Due to this, it’s normally required by law that they are written out and are very specific in what is being excluded or limited.

It’s important that you speak to your insurance provider about any limitations before an incident occurs.

Adding your boyfriend to your insurance policy may be a necessity based on your unique situation.

However, it’s important that you take into consideration the following:

  • Your insurance provider’s requirements
  • Your boyfriend’s previous driving record and insurance history
  • Any exclusions or limitations listed in your policy

If you have additional questions that your insurance provider is unable to answer, you may want to speak to your state’s Department of Insurance. They may be able to answer additional questions that your potential or current insurance provider is unable to.

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