Question

Is car insurance cheaper if your spouse can't drive?

Spouse goes blind. Will your insurance be cheaper if you remove them from auto insurance because of blindness?

Jan 13, 2019 Arlington, TN

Answer
Ava Lynch

Jan 13, 2019

You would not be able to remove your spouse from the policy, even if they don't drive. What you would need to do is exclude them as a driver. This means they are not covered to drive the vehicle. If you exclude them, that means their driving history does not impact your rate. If your spouse has accidents or violations on their record, excluding them from the policy can lower the rate. With that being said, some insurance companies do charge a fee for excluded drivers so if your spouse has a clean record and your company charges an exclusion fee, your rate can actually increase. The best thing to do is contact your current company to find out what the best course of action is for your specific situation. Good luck and if you have any questions, don't hesitate to ask.

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