Car Insurance for Unmarried Couples

Can unmarried couples share a car insurance policy? Learn how to handle car insurance and cohabitation.

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Car insurance basics for couples: when and when not to share a policy with your partner  

Although you might not realize it, being in a serious — but unmarried — relationship can have certain insurance implications. Cohabitation often creates a situation in which the sharing of vehicles occurs.

Car insurance for unmarried couples usually hinges on one question: should you or should you not share a policy? We dive into the nitty-gritty of adding your boyfriend, girlfriend or partner to your auto insurance policy below. 

 


 

When is it smart to share an insurance policy with your boyfriend or girlfriend?

 

When it's required by your insurance company:

If you’re living with your boyfriend or girlfriend, or if they use your vehicle frequently (more than 12 times per year), consider purchasing a shared car insurance policy. Most insurance companies will require anyone living in your residence to be added to your policy as a listed driver or be excluded altogether. If they are excluded from the policy, they should not drive your vehicle, as they would not have coverage in the event of a collision.

When you can get a discount:

By adding another driver — and, most likely, their vehicle — to your policy you can expect a multi-vehicle or multi-policy discount. This discount could come in handy if you’re bundling your home and auto or auto and renters policies with one insurance company.

 


 

When is it better to have a separate car insurance policy from your partner?

 

If you aren't living together or do not use each other's vehicles often:

Because your car insurance covers people who use your vehicle with your permission and don’t use it particularly often, they would receive coverage in the event of an accident.

If you or your partner has a bad driving record:

If your partner has a bad driving record, it might make sense to keep them off your policy. Keeping them off your car insurance policy would ensure you are not financially penalized for their driving mistakes.

If you or your partner has a low credit score:

Insurance companies in most states use credit score as a determining factor when setting rates. Like a poor driving record, a low credit score can impact your premium significantly.

If you or your partner drives an expensive car:

If you drive a Toyota and your significant other drives a Tesla, the difference in your car insurance costs will probably be substantial. Your insurance company softens the risk of covering such an expensive car by charging high premiums. If you’re worried about footing the bill if something happens to their luxury car, sharing a policy might not be a great idea.

 


 

Should you share car insurance with your girlfriend or boyfriend?

The decision to merge auto insurance policies with your partner is up to you. If your partner uses your vehicle regularly and you cohabitate, consider sharing your policy to avoid headaches with your insurance company. Get quick quotes for combined auto insurance policies by entering your ZIP code below.

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Recent Questions:

Car Insurance for Unmarried Couples

Can my boyfriend remove me from policy without my knowledge?

Yes. He can remove you from the policy without your consent or informing you.

Can I be added to my boyfriend's policy with my vehicle?

The answer would depend on where you live or park your vehicle the majority of the time. If you live with your boyfriend, you should be able to be added to his policy.

Can I get insurance on a car my girlfriend owns?

The vehicle will need to be insured at the address where it stays the majority of the time. Also in Florida, since registered vehicles must be insured by the person who owns them, your girlfriend will probably need to be listed as an additional driver on your policy before a company will offer coverage.

Can I sue my boyfriend's insurance for medical coverage?

Sorry to hear that you were hurt. If you are on the insurance policy you can file a claim under the Personal Injury Protection (PIP) coverage.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.