Advertiser Disclosure

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 cheap auto insurance coverage for you. Use our tool below to get started, and make sure to look for multi-vehicle discounts. Or, for an easier process, call (844) 246-8209 for free quotes.

 

In this article:

 

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:

  1. 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.
  2. Uninsured: If your girlfriend or boyfriend is uninsured, your insurance company will probably not allow you to grant permissive use to him or her.
  3. 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.
  4. 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:

  1. 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.
  2. 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 pay for two separate policies.
  3. 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.
  4. 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:

  1. Your girlfriend or boyfriend holds 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.
  2. 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.
  3. Your significant other 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 number of insurance claims filed. Because of this, insurance companies often raise the rates of those with poor credit scores.
  4. 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.
  5. Your partner has less than nine years of driving experience: Adding him or her to your policy could increase your rates.
  6. Your girlfriend or boyfriend has had an accident in the last three years and was found at fault: Drivers with recent accidents are considered more risky to insure, so your rates could increase.

 


 

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.

  USAA State Farm Geico

Overall Rating

5.0

4.5

4.5

AM Best Financial Strength Rating

A++

A++

A++

J.D. Power Claims Servicing Score

5

3

3

Usage-Based Insurance

Accident Forgiveness

New Car Replacement

 

Multi-Car Discount

Varies

20%

25%

 

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.

Use our tool below or call (844) 246-8209 to start comparing personalized car insurance quotes.

 

 


 

FAQ About Car Insurance For Unmarried Couples

Can I add my girlfriend or boyfriend to my car insurance?

Yes, you can add your girlfriend or boyfriend to your car insurance. If you live at the same address, your car insurance company will consider them a member of your household and request that you add him or her to your car insurance policy. If your girlfriend or boyfriend frequently drives your car (more than 10 to 15 times a year), you should also add them to your car insurance policy.

Can I add my girlfriend to my USAA car insurance?

USAA allows you to add your girlfriend to your policy. To do so, your girlfriend must reside at the same address as you.

Can you have two insurance policies on the same car?

You can technically have two car insurance policies on the same vehicle, but it is not recommended. Double-insuring a vehicle may violate the policies of one or both insurance companies.

In addition, if one of your insurance companies finds out that you own another policy on the same vehicle, that company may ask the other company to pay future claims. This could cause your claim payments to be delayed or not paid by either provider.

Can you have two policies in the same household?

Two car insurance policies can be held in the same household for certain reasons. If someone in the household owns a classic or luxury car, they may need a different car insurance policy to cover that specific vehicle. Insurance companies often require all members of a household who are licensed to be listed on a policy though.

If you hold two or more car insurance policies, you will likely have to add all of the other household members to each of your policies. Listing additional drivers can sometimes add cost to your plan, especially when a young driver is added. Because of that possibility, it is wise to stick with one auto insurance policy per household when possible.

Can you have two policies on different vehicles?

It is legal to have two car insurance policies on different vehicles. A common reason to do this is when your carrier can’t provide insurance on one of your vehicles, such as a classic car or luxury vehicle. However, having two car insurance policies on different vehicles generally costs you more money, so it is not recommended.

Many insurance providers offer multi-car discounts. And if you live in a household with multiple people, your existing insurance policy may require that all drivers in your household be added to your existing policy. This can potentially raise the rate of your insurance premiums, so it is best to take advantage of the one plan you already have if you’re considering adding your girlfriend to your car insurance policy.

 


 

Methodology

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.

 

More on car insurance: