Can my boyfriend and I be on the same car insurance?
Asked by: Mrs. Meredith Glover DDS | Last update: July 18, 2025Score: 4.5/5 (1 votes)
Can unmarried couples be on the same car insurance?
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.
Can my boyfriend put me on his insurance if we aren't married?
Generally NO. Neither the law nor insurance companies recognize ``boyfriend'' or ``girlfriend'' as a status. With very few exceptions, you both need to have your own insurance until you are married. Same thing with car insurance.
Is it cheaper for a couple to be on same car insurance?
If you and your spouse have good driving records, a joint car insurance policy can save you money with lower premiums and a multi-car discount (if your insurer offers one).
Does my car insurance cover my boyfriend driving my car?
When it comes to insurance coverage, policies in California typically follow the vehicle, meaning that your policy would cover damages even if someone else was driving your car. However, there are exceptions to this coverage, which we will discuss in the following subsections.
Can I Add My Boyfriend to My Car Insurance?
What happens if my boyfriend is driving my car and gets in an accident?
If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.
Can my son drive my car if he is not insured?
Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.
Can my husband drive my car if he is not on my insurance?
Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.
Do you have to live at the same address for car insurance?
If you and your friend don't currently share an address, then they won't be able to be on your car insurance policy — even if they're planning to move in at a later date. However, as soon as they move in and their permanent address is the same as yours, you can update your policy to add your friend.
Does insurance go up if you add a driver?
Typically, adding drivers to your policy can increase your premium. For example, there is a reason adding a teenage or newly licensed driver to an auto policy can result in an increase in insurance premiums.
Can two people have insurance on the same car?
Although having two auto insurance policies on one vehicle isn't illegal, it can cause confusion that may lead to an unpaid claim. Therefore, it's recommended that you try to avoid double insurance for a vehicle unless it's truly necessary.
What states do not recognize domestic partnerships?
Some states, such as Florida, New York, and Texas, do not provide for domestic partnerships at the state level. However, exceptions do exist. The same is true in Florida, where state-wide provisions for registering domestic partnerships do not exist.
Can a non spouse be on insurance?
Include an unmarried domestic partner only if you have a child together or you'll claim your partner as a tax dependent. Don't include people you just live with — unless they're a spouse, tax dependent, or covered by another exception in this chart.
Can I get on my boyfriends insurance if we aren t married?
Most insurance companies allow unmarried couples to combine coverage—and thereby get discounts and other valuable benefits.
Is my girlfriend covered if she drives my car?
Someone who borrows your vehicle can be covered up to the full extent of your policy's auto insurance coverages.
Is a spouse automatically covered under car insurance?
Spouse – Even if the spouse is not specifically named on the insurance policy, most liability insurance will cover the spouse. However, there may be some exceptions, such as if the spouse is specifically excluded or if the spouses no longer reside together.
Can you put someone who doesn't live with you on your car insurance?
Yes. Even if your college student moves away to attend school, you can typically keep them on your car insurance policy.
What happens if you don't update your address with car insurance?
Failing to update the garaging address when moving home. This can impact your insurance coverage as when making a claim, the coverage will be based on your previous address and could result in not being able to claim any money back from the insurer.
Does your car insurance address have to match your ID?
The short answer: yes, your insurance policy, your driver's license as well as your vehicle registration should all have the same (current) address. Let's explore the reasons why you should get this done quickly after a move.
Does my boyfriend have to be on my car insurance?
Suppose your boyfriend or girlfriend is living with you and they use your vehicle regularly. Since they're using your vehicle more often, your insurer may require you to add them to your policy as a driver.
How does insurance work if you borrow a car?
Generally, insurance coverage follows the vehicle rather than the driver. So in most instances, as long as the owner of the car has insurance, it's covered even if someone other than the owner is driving it — as long as they have the owner's permission.
How do I exclude my spouse from my car insurance?
How do I exclude a driver from my car insurance policy? To exclude a driver from your insurance policy, contact your auto insurance company. You may have to fill out and sign a driver exclusion form. However, be aware that the rules for excluding drivers vary by insurer, and not all states allow for excluded drivers.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.
What happens if someone borrows your car and gets in an accident?
Vehicle Owners Are Liable Under California Law
This law holds a vehicle's owner responsible for collisions caused by the driver of the vehicle – even if the driver is not the owner. Liability is determined by identifying the actual owner of the vehicle.
Can my son drive my car if he doesn't live with me?
If your son doesn't live with you but needs to borrow your car, he can do so with your permission. It is known as permissive use, which means that when someone who doesn't live with you gets permission to borrow your car, they are also “borrowing” your auto insurance coverage.