My wife no longer drives for medical reasons but is on our insurance policy. Will my rate change if I take her off the policy?
The only rate change you might expect is a rate decrease. Because there are fewer people driving on the policy, there is less risk associated with your policy. Bear in mind, your insurance company might not allow her to be totally removed from the policy. She can be listed as a non-rated excluded driver. This is typical for spouses. Non-rated means she won’t raise your premium and she will not be insured to drive.