I'm listed as the primary driver instead of my wife, but I've never driven or had license in 71 years. Should I be charged as a driver on the policy?

Hello, Your wife should most definitely be listed as the primary insured on the policy since she is the primary driver. Since you do not drive, you can be excluded.

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Could I get a lower rate on my car insurance by making my significant other the primary driver on the policy?

While there is no guarantee that buying a policy in your partner's name with you as an additional driver would be any lower than your current rate, it is possible. Since credit is a fairly important factor when pricing car insurance, making your partner the primary driver could lower the rate if their credit is significantly better than yours.
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