Can you be on the same car insurance if you’re not married? Yes, if you share a car.

If you are living together and sharing a vehicle, you do not have to be married to be on the same car insurance policy. But joint car insurance for married couples is more challenging. If you both own your own vehicles separately, you can still be listed on each other’s policies but may not be able to combine them.

Key Highlights
  • Most car insurance companies require that all household members be listed on your auto insurance, whether they are married or not.
  • If unmarried persons own their cars individually, they must have separate auto insurance policies too. But each can be listed as a driver on the other’s policy.
  • Adding another person to your auto insurance policy may raise your rates, depending on their driving history.

How does car insurance work if we're living together, unmarried and sharing a car?

If you’re living together and sharing a vehicle, then you don’t have to be married to be on the same car insurance policy. “If both people are living in the same household, then both should be able to be listed on the same insurance policy, even if they are not married or related,” says Loretta Worters, vice president of the Insurance Information Institute.

In fact, you may have to add your partner to your car insurance if they’re living with you. You may have to add any other roommates to your insurance policy, too. “Most car insurance companies require that you list all household members on your auto insurance policy,” says Worters.

Depending on the person’s driving history and other factors, you may end up paying more when adding drivers to your policy.

How does car insurance work if we're living together, unmarried but own and drive different cars?

Can unmarried couples be on the same car insurance? Not on one combined policy for both cars and drivers. It is important to note that if you and your partner are unmarried and living together, but own and drive different vehicles, you may not be able to combine your insurance policies together.

A car insurance policy must be in the name of the person who owns the vehicle. If you want to add not only the person to your policy but their car as well, then it may get tricky.

Most car insurance companies require that you have insurable interest in a car to insure it under your policy. In other words, you cannot insure a vehicle under your policy that you do not own. Therefore, if you are not listed as an owner on your partner’s vehicle, you will not be able to insure that vehicle on your policy.

Separate policies, but list each other as drivers

You may end up with two policies in the household. If that is the case, you may need to still list your partner as a driver on your vehicle (since you live in the same household), and your partner may also be required to list you on his or her policy.

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