Adding multiple vehicles to a car insurance policy can often save you money. If you’ve been dating someone for a while, you may be wondering, “Can I add my girlfriend or boyfriend to my car insurance?”
The short answer is yes, but it will depend on your situation. In this guide, our review team addresses when to add your girlfriend or boyfriend to your car insurance policy and when not to. We also discuss some of the best car insurance companies in the industry.
If you’re interested in making a change to your insurance policy, we recommend getting several auto insurance quotes from top providers so you can compare them and find the cheapest auto insurance coverage for you.
Can I Add My Girlfriend Or Boyfriend To My Car Insurance?
Yes, you can add your girlfriend or boyfriend to your car insurance. Generally, if you and your significant other live at the same address, your car insurance company will consider them a member of your household and request that you add your boyfriend or girlfriend to your car insurance policy.
If your girlfriend or boyfriend drives your car frequently (more than 10 to 15 times a year), you should also add them to your car insurance policy, even if you do not live together.
What Is Permissive Use?
If your girlfriend or boyfriend does not live with you and infrequently uses your vehicle, she or he might already be covered under your insurance policy’s permissive use clause. The clause covers people who drive your vehicle less than 10 to 15 times a year and who have your consent to drive your vehicle.
There are some exceptions to a permissive use clause. If your significant other falls under any of these restrictions, she or he may need to be added as a listed driver on your policy:
- Member of household: If your significant other lives with you and plans to drive your vehicle, he or she needs to be added to your insurance policy.
- Uninsured: If your girlfriend or boyfriend is uninsured, your insurance company will probably not allow you to grant permissive use to him or her.
- Little to no driving experience: If your boyfriend or girlfriend has little to no driving experience, they may not be covered under your permissive use clause.
- Business use: If your girlfriend or boyfriend plans to use your car for business purposes, driving your vehicle for that reason may exclude her or him from your permissive use clause.
When Should I Add My Boyfriend Or Girlfriend To My Car Insurance?
Adding your significant other to your car insurance can save money and hassle for a variety of reasons. Here are some situations in which it is a good idea to combine policies:
Your Partner Lives With You
If your girlfriend or boyfriend lives with you and plans to drive your car regularly, she or he should be added to your policy. Insurance companies often require that people in your household who will be driving your vehicle be added to your policy.
Your Girlfriend Or Boyfriend Frequently Drives Your Vehicle
Most car insurance companies require people who drive your vehicle frequently to be added to your policy. “Regular usage” is typically defined by someone who drives a vehicle more than 10 to 15 times a year. If your significant other needs to be added to your policy because of regular usage, your car insurance rates will likely be raised. Insurance companies sometimes offer multi-line discounts to encourage adding additional people to your policy. So, it is often best to share one policy than to pay for two separate policies.
You Each Own A Vehicle
Insurance companies offer multi-car discounts for policies. If your partner owns a vehicle, you could each get a discount by combining policies.
Your Boyfriend Or Girlfriend Doesn’t Have Car Insurance
If your girlfriend or boyfriend doesn’t have their own car insurance, they will not typically be covered under the permissive use clause of your auto insurance policy, so you should add him or her to your policy.
When Should I Not Add My Boyfriend Or Girlfriend To My Insurance?
Adding your partner to your car insurance isn’t always a smart decision. Below are six reasons to not combine policies.
Your Partner Has A Bad Driving Record
This could significantly raise your rates if add her or him to your policy, as poor drivers are more expensive to insure.
You Don’t Borrow Each Other’s Vehicles Often
You will both likely be covered driving the other’s vehicle under the permissive use clause of your insurance policy. If you live together though, it is wise to call your insurance agent and make sure that this is okay first.
Your Partner Has A Poor Credit Score
Adding your girlfriend or boyfriend to your policy could raise your auto insurance rates. Car insurance companies have found a correlation between poor credit scores and the number of insurance claims filed. Because of this, insurance companies often raise the rates of those with poor credit scores.
However, insurance companies in California, Hawaii, and Massachusetts are not allowed to use credit scores to set insurance rates.
One Of You Drives An Expensive Vehicle
In this case, it might be best to keep your own insurance policies. The rates of the other driver could increase significantly by adding themselves to an existing policy with an expensive vehicle.
Your Partner Has Fewer Than Nine Years Of Driving Experience
Adding him or her to your policy could increase your rates.
Your Partner Has A Recent Accident
Drivers with recent accidents are considered riskier to insure. If your partner got in an accident within the last three years, they could be seen as a high-risk driver, and your insurance premiums could increase.
How To Add Your Partner To Your Car Insurance
There are basically two different ways you can combine car insurance policies with your girlfriend, boyfriend, or partner. You could simply call your agent and add them to your existing policy, or you could shop around as a couple and start a new policy together.
Calling to put an additional driver on your policy is the easiest option, but you have to accept whatever insurance costs the company sets. On the other hand, you could take time to compare free quotes from different insurance companies and start a new policy together. This lets you see which offers the best multi-vehicle discounts and car insurance quotes.
Our Recommended Car Insurance Providers
If you plan to make a change to your auto insurance policy, you should shop around to see if you can get a better deal with a different company. Here are three of our top-rated providers.
|AM Best Financial Strength Rating||A++||A++||A++|
|J.D. Power Claims Servicing Score||5||3||3|
|New Car Replacement||✓||✓|
Whenever you shop for insurance, we recommend getting quotes from multiple insurers so you can compare cheap car insurance coverage choices. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
FAQ About Car Insurance For Unmarried Couples
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.