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 26, 2020

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Key takeaways...

  • While it is a very rare occurrence, it is possible for spouses to have separate car insurance policies
  • A typical reason that one driver is excluded from an insurance policy is that one driver in the household has something negative on his or her credit report or insurance score
  • Before you and your spouse decide to get separate car insurance policies, make sure that you get quotes for both scenarios of separate policies and a joint one
  • If there is any driver in your household that you want specifically excluded from your insurance policy, you need to make sure to inform your auto insurance agent of this choice

The typical scenario for car insurance is that both spouses are insured under the same policy. This is mostly because there is a discount for having multiple policies with the same insurance company.

Also, it is simply more convenient to have everyone in the household under the same policy. While this situation tends to be the norm, it is not necessarily required.

You can choose to add whomever you want to your car insurance policy or exclude anyone that you do not want to be covered under it. You just need to make this choice clear to your car insurance agent.

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Adding a Spouse to Your Car Insurance Coverage


The main reason that you would want to make sure that you inform your car insurance agent about a spouse who may drive your car is that you want to have coverage in case your spouse gets into an accident while driving your car.

If you do not tell the car insurance agent that you are married, and your spouse has an accident while driving your car, then you could be denied coverage for the claim.

In addition to having coverage for the claim denied, you may also have a problem because you misrepresented vital information to your car insurance agent. When you first sign up for a car insurance policy, you will be asked about your marital status.

You also need to notify your car insurance agent if there is a change in your vital information while you are still insured, such as if you move, buy a new car or move into a household with another driver.

Failure to provide accurate information to your car insurance company could be grounds for your policy to be canceled before it is set to expire or for the insurance company to decide not to offer you coverage for another term.

To avoid these issues, you just need to let your car insurance agent know that you need to add a spouse to your policy because your spouse intends to drive your car.

The good news is that there are likely combined savings in store because it is cheaper to insure two policies with the same insurer than to have separate car insurance policies in general.

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Keeping a Separate Car Insurance Policy from Your Spouse

There are unique situations in which you may not necessarily want to have your spouse added to your car insurance company.

If you are living separately because you or your spouse are in the military, this could mean that your spouse does not need to drive a car while on a deployment.

Also, if one of you has a very bad driving record or credit score, you may want to avoid combining policies because someone’s rate will increase.

If you do decide to have totally separate car insurance policies, make sure that this decision makes the most financial sense for both of you.

The only way to know this for sure is to get a variety of quotes for auto insurance policies for both of you combined as well as for each individual driver.

This will take a little bit of time to check into, so be sure to set aside time to properly research various quotes before making a final decision.

Dropping a Spouse from Your Car Insurance Policy


It is very easy to have someone removed from your car insurance policy. It only requires a quick call to your insurer to let them know about your change in circumstances.

For something like a military deployment, you may be able to have coverage temporarily suspended for that spouse rather than removing that driver altogether.

Bear in mind that dropping a spouse or not adding a spouse to coverage for a certain vehicle means that the excluded driver should not be driving that vehicle at all.

You can get yourself in a very stressful situation if an excluded driver is caught driving your car anyway.

The excluded driver may even get in trouble under state law if he or she does not have some alternate form of car insurance coverage.

Recap on Adding a Spouse to Car Insurance Policies

In most cases, it just makes sense to have your spouse added to your car insurance policy. Not only will you both enjoy a lower combined rate in most cases, but it is also much more convenient to have just one policy per household.

If spouses are not added to each other’s insurance, then they should make sure not to drive each other’s cars so that they are not faced with no coverage, lawsuits, and thousands of dollars in damages following an accident involving the other spouse’s car.

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