Can you have a joint car insurance policy?

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Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in...

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Chris Harrigan has an economy 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...

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Reviewed byChris Harrigan
Former Insurance Claims Manager

UPDATED: Feb 18, 2019

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Key takeaways...
  • There are situations where you can have a joint car insurance policy
  • To have a joint car insurance policy you usually need to live in the same residence
  • There are discounts available for joint car insurance companies and they vary by company

Everyone is looking for a way to pay cheaper auto insurance. Having a joint car insurance policy can have pros and cons. Here are the groups that typically can have a joint car insurance policy:

  • Married couples
  • Engaged couples
  • Roommates
  • Parents and children

Make sure you and others in your family are getting the best price on auto insurance. Enter your zip code above and begin comparing quotes from top companies in your area!

Married Couples

Marriage usually involves joining all of your finances and assets including your insurance. In most cases, it is very beneficial to join policies. But in certain circumstances, it may do more harm than good.

Usually being married and joining your insurance policies will give you a multi-car discount. Depending on your insurance company that could be huge savings!

You also may qualify for any household discounts that your spouse may already have in place at his or her auto insurance company.

If you both have two different insurance companies, it would be helpful to get a joint quote from both to see which company will give the greatest amount of discounts.

If your spouse has a bad driving record, chances are high that your insurance rate will go up if you two join policies. In most cases, an insurance company requires you to add your spouse to your insurance.

If you just can’t swing the extra premium, talk to your car insurance company about excluding your spouse from the policy. Not all states and insurance companies will offer this option.

Tickets and accidents don’t stay on your driving record forever. After your spouse’s driving record clears, you may want to revisit having a joint policy. The savings can be significant. Your car insurance provider should be able to tell you when the driving record will be clear again.

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There are some happy couples who choose to start combining their lives before the wedding. You can certainly add your fiance to your insurance policy with no problem.

Sometimes you are able to get the same benefits as if you were married, so it’s best to talk to your agent to see what your company can offer you in terms of discounts.

If your fiance has a not so pretty driving record, you can keep the policies separate with no hassle. You are not always obligated to add your fiance to your car insurance policy.

Parents and Children

It is very common for children to be joined to their parent’s insurance policy. It is actually encouraged for a young driver to be added onto their parent’s policy as soon as he or she is of driving age.

Being listed on your parent’s car insurance policy gives you insurance experience history which means that their first insurance policy on their own will be much less expensive.

Depending on your situation and the auto insurance company, you may be able to stay on your parent’s car insurance policy after you move out.

You always want to talk to your insurance company about your options and come up with a plan before making any big changes.

Non-family Relationships

These situations include:

  • Roommates
  • Business partners

Roommates don’t often combine their car insurance policies but there are situations where it would make sense.

You may qualify for any household discounts that your roommate has on his or her policy. By adding yourself to their policy, you may be able to save some money!

The household discounts and qualifications are different for every insurance company so be sure to compare your options.

Business partners often have a joint car insurance policy. A car insurance company will allow you to join policies with someone if they have an insurable interest in the vehicle.

So you are able to add your business partner if you both own the vehicle or if your business or partnership is in ownership of the vehicle.

One of the benefits to this is that sometimes if your partner has a better credit score, they can be listed on the policy first and you both benefit from the savings.

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Weigh the Pros and Cons

There are pros and cons to joint insurance policies. In most situations, the pros outweigh the cons.

If you are in a situation where your car insurance company will let you join policies, it is a great way to get some extra savings and put some money in your pocket. And who doesn’t love savings?

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