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
Nathan Foster

Jan 23, 2023

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!


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