Some insurers may not allow unmarried couples to share a joint car insurance policy, so check with your insurer. Adding each other as listed drivers: If you want to keep separate policies but drive each other's cars regularly, you can add each other as listed drivers on the policy. Your insurance provider may also require you to add your significant other if they drive your car regularly.
Excluded: If your significant other has a poor driving record or multiple claims, adding them as a driver on your policy may push your rate up. If this is the case, you can exclude them as a driver on your policy in certain states. Some states or insurers may not allow a driver in the same household to be excluded from the policy, so check with your insurer. However, this means there will be no coverage at all if they drive your vehicle, and you could be liable to cover any damage they cause out of pocket.
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Insights Explore our data-based deep dives to understand the latest trends on and off the road. Life Lanes Get quick tips for navigating life, from car- and home-ownership to going on adventures. 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.
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:. 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:.
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. Most car insurance companies require people who drive your vehicle frequently to be added to your policy. 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. Insurance companies offer multi-car discounts for policies. If your partner owns a vehicle, you could each get a discount by combining policies. Below are six reasons to not combine policies.
This could significantly raise your rates if add her or him to your policy, as poor drivers are more expensive to insure. If you live together though, it is wise to call your insurance agent and make sure that this is okay first. 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. 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.
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. There are basically two different ways you can combine car insurance policies with your girlfriend, boyfriend, or partner.
With an automobile, for example, the insurable interest would be ownership in the vehicle itself. Life is not quite as simple anymore, though. For one thing, with the advent of legally-recognized domestic partnerships and the considerable number of unmarried couples living together, the lines between "married" and "single" have been blurred.
Today, lots of unmarried couples jointly own significant assets and real property—homes, furniture, pets—as well as share tangible interests in other items, like cars. As a result, the clear distinctions between what an insurable interest is and is not have also become blurred, leading insurance companies to rethink the rules they follow in writing policies.
One change a lot of insurers have made is starting to allow unmarried couples, including those in domestic partnerships, to purchase joint auto insurance policies. There are two main reasons for this. The first is that insurance companies understand that many couples today, although not legally married, are in long-term committed relationships that provide a level of stability and lower risk that insurers are looking for.
Second, there is a growing demand for joint insurance by unmarried couples, and insurance carriers want to get in on the action. Because this is a relatively new area of insurance, the processes and details involved are still evolving. There are a lot of factors at play, including state laws and different insurance company rules and definitions. The truth is that if you are thinking about getting a policy that includes your partner's car, you are going to have to do some research and probably talk to several insurers to see, first, if they offer joint policies and, second, what rules they have to qualify.
Here are a few things to keep in mind:. If one partner has a bad driving record , a joint policy may end up costing the partner with the better record more on his or her premiums, and that would be true if you were married to one another as well.
Also, remember that doing things jointly may end up causing problems if and when you want to "unjoin" them in the future. So, let's return to the original question: Can I insure my boyfriend's car? The best answer is that, given the right conditions, you probably can. But when all is said and done, you may not want to. Actively scan device characteristics for identification.
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