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 15, 2020

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Here's what you need to know...

  • Unmarried couples can get car insurance together, though it often depends on your car insurance needs and your provider’s requirements
  • If you have two vehicles, purchasing car insurance and creating a joint household through your provider may be an option
  • If the two of you have different providers, then you may need to add the other as an additional driver
  • Remember that some insurance providers offer discounts for multiple policies, so you may want to explore this option
  • Additionally, be sure to compare rates from different providers if you and your partner are looking to purchase insurance together

Purchasing car insurance as a couple when you’re unmarried can seem like a daunting process.

However, shopping for new car insurance or adding an unmarried partner to your policy is a simple change. Your needs may vary based on your living situation and how many cars you own.

When you’re considering the options, make sure to figure in any potential discounts for switching coverage or adding policies with your provider.

Compare car insurance quotes to find the best policy for your unique needs. Enter your zip code into our free rate comparison tool above to get started.

Table of Contents

Unmarried Couples and Sharing Car Insurance Policies

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Unmarried couples, like many platonic couples, can share car insurance coverage when they’re living in the same household or driving the same vehicle.

There are stipulations your insurance provider may place on the policy, though these vary based on the number of cars being insured and the living situation.

Insurance providers often require that you list individuals living in your household, regardless of marital status, on your insurance policy as a driver because your provider assumes someone living in your home may frequently operate your vehicle.

If you don’t want to list an individual on your policy and your provider discovers this omission, they may still raise your rates or consider non-renewing your policy.

Your other option is to specify that the other person in your home is an excluded driver, which means they are not allowed to operate your vehicle.

This label means they are not figured into your insurance coverage premiums, but if they do drive your vehicle your policy will not cover the loss.

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Options for Unmarried Couples and Car Insurance

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There are two primary choices when it comes to shared insurance households as an unmarried couple; each of these options requires both individuals to be a named insured on the policy.

While your insurance policy may cover individuals that are not listed, a named insured is someone the insurance provider is aware of and can provide additional assistance or information to when a loss occurs.

  • One option is to list each other on your respective policies if you own more than one car.
  • The other option is to have the owner of the shared car list the additional person as a driver.

Each option will affect your coverage in different ways, meaning you may qualify for additional discounts or end up paying higher premiums depending on how your policy changes.

When two households become one, at least from the perspective of an insurance provider, your policies are linked into one household and you both become drivers within the household.

Any vehicles listed in the household is assumed to be driven by either member of the household.

Joining into a single household works well when there’s at least one car per person; you are the primary driver of one and your partner is the primary driver of the other. However, your insurance provider will consider you both additional drivers on the other vehicles.

Joining into a household can afford other benefits, such as:

  • Easier claim resolution if you are driving another car from the household
  • Discounts for insuring multiple cars with the same provider
  • You can earn additional discounts for purchasing other product lines

Your other option applies to instances where you only have one vehicle or where you and your partner have different insurance providers. For coverage to apply you can list the other person on your policy as an additional driver, even if they are not in your household.

This provision is allowed since you are not insuring their vehicle, you are merely stating they may drive your car. If you are wanting to purchase coverage for the other person’s vehicle, this is not the correct option.

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Removing an Individual or Vehicle from Car Insurance

When it comes to changing your policy, removing an individual or a vehicle is still fairly straightforward. This change can occur when you move out of the house or if you decide you are no longer a couple.

Removing a driver follows the same process as adding a driver. Contact your insurance provider and let them know you need to remove the individual from your policy. You can choose to remove a vehicle in the same way.

If you are currently sharing joint policies with another person, it’s important to make sure the other party has insurance before you cancel their coverage.

Even when two people decide to part ways, it’s important to end the agreement in an amicable fashion.

Remember that your insurance provider may be providing you a discount if you have multiple policies, so be prepared to notice an increase if you remove a car insurance policy.

Things to Remember about Joint Policies

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If you insure someone on your policy that has moved out or no longer lives in your household, your insurance provider may choose to take different courses of action.

This scenario does not include an added driver since these are people that may operate your car but do not need to live in your home.

There are a few reasons why someone may want to remain part of your household after they’ve moved, such as:

  • Cheaper insurance pricing due to your address
  • Discounts they qualify for with multiple policies
  • An inability to locate coverage through an alternative provider

In many instances, your insurance provider will make a change to your policy. They will usually remove the party that no longer lives in your household and notifying you of the change.

However, they may also choose to pursue fraud charges if you’ve left this person on your policy for too long of if you’ve tried to claim losses that they should not have covered.

If a claim has already been paid out, your insurance provider may even require the settlement amount be paid back.

Although uncommon, deliberately fraudulent activities can even lead to fines and jail time. If you have questions about insuring another person on your policy, speak to your insurance provider.

It’s better to check ahead of time instead of putting yourself in a potentially illegal position.

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Conclusion

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Unmarried couples can purchase insurance coverage together or they can alter their current policies to meet their needs.

If you live together and have multiple cars, then purchasing multiple policies and sharing a household through your insurance provider is probably your best option.

This option allows you to have a policy for each vehicle while also claiming that you both may drive any vehicle on the policies.

If you have only the one vehicle or are not living together, then listing the other person as an added driver may be your only choice.

Car insurance providers are able to list someone as an additional driver on your policy if you believe they will be operating your car on a regular basis.

Make sure to shop around for coverage before making your choice, regardless of which path you pursue. Some insurance providers offer better discounts for multiple lines of insurance or for safe driving records, so compare three or four quotes beforehand.

Enter your zip code below to begin comparing today! You might be able to save hundreds on car insurance.