Can you get a joint car insurance policy?

A joint car insurance policy will ensure that either an additional driver or an additional vehicle is added to one policy. Combining policies can save you 25% on car insurance rates.

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 20, 2021

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Here's what you need to know...

  • Joint car insurance is usually defined as car insurance purchased to provide insurance to separate individuals
  • A single-vehicle should be insured with the primary owner as insured and the secondary driver as an additional driver
  • Coverage and deductibles should always be taken into regard when it comes to your joint financial situations

Whether or not you’re a married couple, you, your domestic partner, or roommate can access credits on your car insurance by purchasing joint car insurance. Joint car insurance is usually defined as car insurance purchased to provide insurance to separate individuals, no matter what their relationship.

Regardless of if want more affordable car insurance, or you don’t want to bother with the hassle of a separate policy, or you’re mining for multi-car discounts- if you are uncertain about purchasing a joint policy, read the guide below to help you make more confident car insurance decisions.

If you are shopping around for a policy, start comparing car insurance rates now by using our FREE tool above!

What are the occasions when joint car insurance may allow credits?

There are times when you are allowed to have joint car insurance, which includes:

  • Individuals living in the same household and sharing the use of one car
  • Individuals living in the same household with two vehicles
  • Married individuals in the same household with two vehicles

Unmarried couples and single drivers still qualify for joint auto insurance policies as long as the other person you are adding to your policy has your same residence.

What are the titles and ownership requirements for joint car insurance?

With regards to title and ownership requirements, the vehicles must fall under one of the following categories:

  • Titled in both names
  • Titled to one individual with driving privileges allowed to the other
  • Marital relationship between the drivers.

It is recommended that the insurance reflects the ownership.

A single vehicle should be insured with the primary owner as insured and the secondary driver as an additional driver.

How do insurance companies determine ratings for joint car insurance policies?

The rating formula is applied to all car insurance policies, no matter what the status of ownership on the vehicles.

The following rate considerations apply to joint policies, just as they do with other insurance policies.

These ratings are based upon:

If you are looking to upgrade the levels of coverage of your auto policy, your coverage choices may be limited if you or the person you want to insure has a poor driving record. Even if both of you are eligible drivers, rates for drivers tend to go up if someone on the policy lacks a clean driving record.

What things must be agreed upon for joint car insurance policies?

Even though a normal car insurance policy can be canceled by anyone listed on the policy, insurance companies prefer that individuals who live at the same address and purchase insurance together have proof of residence and marital status.

For that reason, questions may arise from the companies such as:

  • What qualifies as a domestic partner in your State?
  • How many years of living together as domestic partners?
  • Financial relationships – sharing expenses?

It would be wise to have a legal agreement setting out the terms of the relationship as regarding finances, shared expenses, and ownership of property. However, this isn’t always accessible for everyone and as a cohabitation situation can change, so can your qualification for joint coverage.

In a marriage or legal domestic partnership, these are expressed and limited by state law. It is a part of your auto insurance rights that you aren’t denied basic coverage options on the basis of relationship status. Each auto insurance provider may have different requirements for each auto insurance policy.

Are there any points of discussion I should take up with other people on my policy?

Decisions with regard to deductibles need to be made jointly and in a candid conversation.

Coverage and deductibles should always be taken into regard when it comes to your joint financial situations. If you are unable to come to an agreement, there are always separate car insurance policies.

Before purchasing insurance on automobiles in a joint insurance policy, it is wise to discuss the following points of coverage before asking for a quotation for car insurance:

  • Bodily Injury Liability Limits – usually expressed per person and per accident (Example. $100,000/300,000). Legal liability for accidents you may cause
  • Property Damage Liability – expressed per accident (Example, $50,000). Legal liability for accidents you may cause
  • Medical Payments – expressed per accident (Example, $10,000) – pays for injury to insured relating to medical emergencies resulting from car accidents
  • Property Damage – Comprehensive Insurance – damage to the automobile(s) insured for fire, theft, vandalism, hail, flood, animal damage, on an Actual Cash Value Basis
  • Property Damage – Collision Insurance – damage to the insured automobiles for collision with other objects, no matter whose fault
  • Uninsured/underinsured motorist protects insured individuals from injury resulting from an individual without insurance

Why should I acquire several quotes before deciding?

Before purchasing auto insurance coverage jointly, you need to determine if it is beneficial to purchase auto insurance together as a married couple.

If no credits would be allowed for a joint policy, it would be best to purchase separate insurance policies and just have the other individual in your home added as a secondary driver.

Rental companies may require both domestic partners to be covered at an additional premium if you plan to share driving responsibilities.

You may find that this is true in the case of married individuals also, so read the fine print.

Some insurance companies refuse to provide this type of coverage, but it is worth the effort to acquire separate quotes to determine if you can, indeed, qualify for a discount.

Keep in mind, even though you have insurance, you may be in line for receiving monetary penalties for your partner’s accidents.

Several quotes should allow you a variety of insurance companies and premiums to choose from with regard to your insurance, and allow you to achieve cheaper rates. Insurance savings may be in store.

Start comparing car insurance rates now by entering your zip code in our FREE tool below!