Almost always yes. State laws differ, but even if your state insurance laws don't require your spouse to be listed on your car insurance policy, your insurer may require it. Most insurance companies require policyholders to list all licensed household members on their policy since these people will normally have access to your vehicles and will probably drive the cars on the policy on a frequent basis.
How marriage affects car insurance rates
In many cases, marriage lowers your insurance rates, so you should think twice before insisting on separate policies. If both partners have clean records, the savings can be significant. CarInsurance.com ran quotes for a couple in Oklahoma City for minimum liability insurance, and saw that adding each other on their policies cut 30 percent off their combined rates.
If you don't want to exclude your spouse, then he or she will need to be on the policy normally. If your spouse has a car and it is on a different policy, then putting both your vehicles on the same auto insurance policy could save you money with a multi-car policy.
When one partner has a bad driving record, however, the total price of car insurance for the couple increased. So you may have good reason to exclude your spouse from your policy, assuming you're okay with each partner driving his/her own car. Keep in mind though if you exclude your spouse and he or she does drive your car and gets into an accident, your policy's coverage will not be extended to him or her in any way.
Excluding your spouse from your policy
If you don't want your spouse on your policy, you may be able to have him or her excluded from the policy, if state laws and your insurance company's guidelines allow. If you do exclude your spouse, none of the coverages under your car insurance would extend to him or her. So even in an emergency situation, he/she should not drive your car if you exclude your spouse from your policy.
In some states, if you don't tell your insurance company about all of the drivers in your household, it can be deemed misrepresentation, a form of fraud. The state laws extend liability to household members, so insurance companies have to ask and extend coverage to them too.