Compare Car Insurance Companies That Allow Spouse Exclusions [2021]

If you're looking to find quotes from car insurance companies that allow spouse exclusions, you may be in luck depending on which state you live in. While each local government decides its own car insurance regulations, you can find rates from car insurance companies that allow spouse exclusions rates as low as $25 a month.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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® Joel Ohman

UPDATED: Sep 21, 2021

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Here's What You Need to Know

  • Car exclusions are available, depending on locations
  • If your state allows it, you can save money on your monthly premiums
  • Car exclusions opens you up to new risks

Finding car insurance companies that allow spouse exclusions are paramount to getting more savings on your policy. The best auto insurance companies will allow spouse exclusions.

While there are some limitations on car insurance exclusions, you may be able to exclude your spouse depending on which state you live in. This can save you money over the long term but can also cost you big time if you’re not careful.

Curious about your rates from car insurance companies that allow spouse exclusions? Enter your ZIP code into our free quote tool to get an idea of what you can pay.

Car Insurance Companies that Allow Spouse Exclusions

The insurers that allow you to exclude your spouse will largely depend on the state you live in, as is the case with a lot of car insurance regulations. Some states allow freedom to select exclusions, some allow them with limitations, and some states have banned them altogether.

When you exclude someone from your policy, you’re guaranteeing that they won’t ever be behind the wheel of your vehicle. This has the added benefit of potentially lowering your premiums if the named driver has a bad driving history that would be viewed as risky.

While you might be curious about finding a company that lets you exclude your spouse, it would make a lot more sense to first examine the local exclusion policies for your state. This can save you the headache of looking for a company in a state that doesn’t allow exclusions at all.

What states allow driver exclusion?

Each state will have different rules regarding car insurance regulations, mostly due to the fact that roads and driving conditions differ across the country. Some states like Arizona, California, and Texas all allow for named exclusions, while states like New York don’t allow them at all.

The table below shows which states allow driver exclusions:

Driver Exclusion Availability by State
StateAvailability
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
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Just like the III shows, car insurance requirements change vastly between states. So it follows that each state would make up its own mind about excluding spouses from car insurance.

Car Insurance Companies That Don’t Allow Spouse Exclusions

Each state will limit who can be excluded from a car insurance policy. Most car insurers offer some kind of exclusions that limit what they’ll cover due to negligence or facts that come to light during the investigation.

If an insurer does offer an exclusion, the named person cannot have access to vehicles under that policy. If they crash or are crashed into while driving the vehicle, it’s almost certain that the insurance will not cover your vehicle or the damages done to that person.

Furthermore, the person who was driving your vehicle isn’t insured and you may be found financially responsible when your vehicle is the cause of an accident. This could put the person in financial jeopardy on top of having to repair a damaged vehicle.

In states that don’t allow exclusions, that person would most likely be covered under “permissive use” which extends your coverage to them when they borrow your vehicle. That being said, this can raise your rates a good bit.

If you live in an area that doesn’t allow for driver exclusions, you might be worried about the state’s most reckless drivers and wish to avoid the hassle that an exclusion process might bring.

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What is an excluded driver?

A “named exclusion” is when you guarantee to your insurance company that a specified person won’t have access to your vehicles. This is typically done to let an insurer know that one or more high-risk drivers that live with you won’t have access to your vehicle.

Since insurers consider the chance of accident when deciding how much to charge you per month, it makes sense that you’d want to minimize that risk by leaving off the drivers that don’t have access to your vehicle.

Otherwise, an insurer might view your proximity to that person as a heightened risk.

In states that don’t allow those exclusions, your rates are based on everyone who lives with you. This can transfer to higher rates if you have any younger or risky drivers under your roof.

How a Car Insurance Exclusion Can Save You Money

If you’re going to exclude a driver due to young age or risky driving history, you’re likely to save money on your monthly premiums. When you remove the risk that person poses by guaranteeing they’re not going to be driving your vehicle, your insurability will improve.

Who can be excluded?

In the states that allow car insurance exclusions, anyone you name can be excluded from receiving coverage on your policy, but make sure it’s someone you can guarantee won’t be behind the wheel of your vehicle.

If an excluded driver does get behind the wheel and gets into an accident,  your insurance coverage goes out the window. You and the excluded person will be personally financially responsible for any damages to property, vehicles, or people done by the driver’s negligence.

Car Insurance Companies That Don’t Allow Spouse Exclusions: The Bottom Line

Deciding to exclude someone from your policy can save you a fair amount of money each month on your premiums. That being said, you’ll have to guarantee that the named person will never get behind the wheel of your vehicle, or else you’ll be paying out of pocket for the damages.

To get a quote from car insurance companies that don’t allow spouse exclusions, enter your ZIP code into our free quote tool to get an idea of what you can pay.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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