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Q

Does my husband need to be listed on my car insurance policy when he does not carry his own car insurance and we live in the same house?


A

State laws differ however even if laws do not require your spouse, husband in this case, to be listed on your car insurance policy your insurer may require you to include him on the policy.

Most insurance companies require policyholders to list all licensed household members on their policy since that these people will normally have access to your vehicles and will probably drive the cars on the policy on a frequent basis. In some states if you do not tell your insurance company of all of the drivers in your household it can be deemed misrepresentation, a form of fraud.

If you do not want your husband on your policy then you may be able to have him excluded from the policy, if state laws and your insurance company's guidelines allow. Keep in mind though if you exclude your spouse and he does drive your car and gets into an accident your policy's coverage will not be extended to him in anyway.

In general, insurance companies do not tend to want to exclude a spouse who has been licensed so normally you will need to have him on your policy. You can get a quote with Safeco, Progressive, or Direct General on our site though and when purchasing, select the option to not include that driver on the policy and select the appropriate exclusion options to get an accurate rate. If your state and their underwriting guidelines for your situation allows you should be able to exclude your spouse.

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Remember that if you did exclude your husband then none of the coverages under your car insurance would extend to him in any way if he was to drive the vehicle(s) listed on your policy and cause an accident. So even in an emergency situation he should not drive your car if you exclude him from your policy.

If you do not want to exclude your spouse then he will need to be on the policy normally. If your husband has a car of his own to insure then putting both your vehicle and his on the same auto insurance policy could save you money with a multi-car policy instead of each having their own policy with different insurers. Click here for low cost insurance quotes for you and your husband.


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