Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

Can my wife get a car insurance policy when both our names are on the title?

Our insurance is about to run out on our car. My license is also getting suspended. Can my wife get car insurance in her own name if the car is registered in both our names?

Jan 23, 2023 Concord, CA

Answer
Author profile picture

Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Thank you for reaching out to The Zebra!

Car insurance can be very confusing, especially when it comes to who is listed on the title and who needs to be listed on the policy. In insurance we want all registered owners of the vehicle to be rated, listed, or excluded on the policy. Rating a driver means they can drive the vehicle that is listed on the policy.  Listing a driver on a policy typically means they are a household driver that is able to prove they are insured on their own separate policy. Excluding a driver means that the driver cannot drive the vehicle under any circumstances. In your instance, you'll both need to be on the policy.

Most insurance companies will want to have you excluded on the policy since your license is expired. Once your license is no longer suspended you can then be added back on and rated on the policy.

If you need to get an SR-22 to get your license active then it is possible for you both to be rated on the policy to drive the vehicle.  An SR-22 is proof of insurance that is provided to the state to get a license activated if it was due to major violations (DUI, reckless driving, multiple speeding violations). You can call our agency to get a personalized quote for you at 888-444-8949 and they will be able to assist you with getting a quote for your specific scenario.


Hope this helps!

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare auto insurance rates and save up to $670 per year!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Husband backed into a pole in his work's parking lot how to handle insurance

There are a few different factors to consider.First, most insurance companies require you to report any incident that occurs with the car, even if a claim is not filed. Check with your specific company for their guidelines.Second, look at your car insurance policy to see what kind of coverage you h…
Jul 19, 2018 Austin, TX

I started a claim but canceled it with no payout. Why is it on my CLUE report?

Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really t…
Jul 7, 2019 La Mirada, CA

Will my spouse, or myself, get the best rate for insuring our shared car?

This is an excellent question! Insurance is very complex, so trying to find the best rate can be a challenge. In this instance with both you and your wife having clean records and being close in age, the rate shouldn't be too much different if you were to switch out who the primary driver is o…
Dec 12, 2022 Saint Paul, MN

What happens if my quote for repairs is higher than value of car?

There are several things to think about here. One, it sounds like your vehicle is totaled. The definition of a totaled vehicle varies by state. California is what is called a total loss formula state. This means a vehicle is determined to be a total loss if the cost of repairs (your $7,000) plus th…
Aug 8, 2018 Vallejo, CA