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: Oct 13, 2020

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Key takeaways...

  • In most cases, your spouse should be on your car insurance, especially if they frequently drive your car and live with you
  • Not putting your spouse on your car insurance can have consequences and is not worth the risk
  • Although adding your spouse to your car insurance policy may increase your rates, you may also be eligible for additional discounts
  • There are also other ways to decrease the amount you pay for your car insurance premiums

You want to be honest with your insurance company. However, you also do not want to do anything that could jeopardize your current premium and make it sky rocket. If you have not added your spouse to your car insurance policy, it is probably wise to do so now to avoid potential consequences.

Even when you add your spouse to your car insurance, there are things you can do to help keep your car insurance premiums low. One of these things is to use an online car insurance rate comparison tool.

These tools are a fast and easy way to ensure you are receiving the post possible premium on your car insurance. Compare car insurance rates now by using our FREE quote tool above!

Does my spouse need to be on my car insurance?

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Although there may be circumstances, such as not living with your spouse, that would make adding he or she to your auto insurance policy unnecessary, in most cases you need to do so.

Anyone living at your home that uses your car on any kind of a regular basis should be on your car insurance.

If you have different circumstances than most married couples or are not sure if your spouse really needs to be on your auto insurance policy, you should check with your car insurance company or agent to find out what their requirements are.

If you are separated, your spouse is deployed, or your spouse never drives your vehicle, you may not need to add them.

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Consequences for Not Adding Your Spouse to You Car Insurance Policy

If you decide not to add your spouse to your car insurance policy and your car insurance company finds out or there is an accident while your spouse is driving you may face one or more of the following consequences:

It is always best to be honest with your insurance company, even if it cost you more money in the long run.

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Potential Discounts for Married Couples

Even though your premium may increase by adding your spouse to your car insurance policy, it may also make you eligible for certain discounts.

For instance, many men see their premiums go down once they are married. This is because, in general, auto insurance companies see married men as much less of a risk.

Overall, married men are less likely to get tickets, be in accidents, file claims, and get DUIs than single men.

In addition, your car insurance company may give you a multi-driver or multi-vehicle discount when you add your spouse to your policy or combine car insurance policies.

Decreasing Your Premium with Other Discounts


In addition to multi-vehicle or multi-driver discounts, many insurance companies offer a plethora of other car insurance premium discounts.

However, you may have to specifically ask for these discounts in order to receive them. Some of these discounts include:

  • Green Car Discount – You may be eligible for a discount if your car is a hybrid or uses alternative fuel.
  • Safety Feature Discount – Cars that have anti-theft devices, passive restraints, airbags, anti-lock brakes, and other safety features often garner additional premium discounts.
  • Low Mileage Discount – If you do not drive your vehicle much each week or every year, you could qualify for a lower auto insurance rate.
  • Loyalty Discount – Remaining with the same car insurance company for several years can pay off in the form of a discount.
  • Multi-Policy Discount – Having more than one type of insurance policy with the same company can help decrease your premium. Consider getting life, auto, and renter’s or homeowner’s insurance from the same insurance company.
  • Good Driver Discount – Being a good driver without any recent accidents or tickets can help you get lower rates.
  • Good Student Discount – If you get good grades in college or high school, your car insurance company may cut you a break on your premium.
  • Distant Student Discount – Going to school a certain number of miles away from your home may also qualify you for an auto insurance discount.
  • Military or Veteran Discount – If you are a past or present member of the United States military, most insurance companies will grant you some sort of discount.
  • Pay in Full Discount – Although it can be a large bill, paying your 6 or 12-month premium up front instead of on a monthly basis can decrease the total amount that you pay.
  • Paperless Billing Discount – Many car insurance companies are trying to go green. In order to give you the incentive to help them, some will give you a discount to sign up for paperless billing or paying your bill online.

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Other Money-Saving Strategies for Drivers

Even if you don’t qualify for any of the aforementioned discounts or if you do qualify but still need to bring your premium down, there are additional ways to save money on your auto insurance premium such as:

  • Comparison Shopping – As with making any major purchase in life, it is always wise to shop around. Compare policies, companies, and rates before purchasing a policy. The easiest way to do this is with a price comparison tool online.
  • Increasing Your Deductible – Look at increasing your deductibles. Doing this will usually lower your monthly premium. However, be sure you have the financial means to pay those deductibles should you need to file a claim.
  • Improving Your Credit Score – As most insurance companies use a credit-based insurance score to determine your premium, improving your credit score should, over time, improve your premium rates.
  • Decreasing Coverage on Older Vehicles – If you have an older vehicle that is paid off, you may want to consider only taking out the minimum legally required insurance on it.
  • Purchase Your Car with Insurance Premiums in Mind – If you are in the market for a vehicle, contact your insurance company to find out what kinds of cars will qualify for lower insurance premiums.

If you are married, you most likely should add your spouse to your car insurance. If you have unusual circumstances, contact your insurance company to find out more about their own requirements.

If you need to decrease the amount you pay each month for your car insurance premium, consider using a car insurance rate comparison tool.

These tools make it quick and convenient to compare different rates and policies to be sure you are getting the best prices. Enter your zip code in our FREE quote tool below to compare car insurance rates instantly!