Car insurance for unmarried couples
In most cases, you can add an unmarried significant other to your car insurance policy if you both share a permanent residence. Sharing car insurance with another person may result in a lower price than purchasing two separate policies.
Can I add my girlfriend or boyfriend to my car insurance?
Most insurers allow you to add a significant other, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together. Depending on the insurer, a significant other can also add their vehicle to a joint policy if both cars are kept at the same permanent residence.
With most insurers, unmarried couples can share a joint car insurance policy or add each other as listed drivers to separate policies. There can be pros and cons to sharing a policy, so check with your insurer to see if shared or separate coverage is best for you.
How can I add my significant other to my policy?
There are a couple of ways to add a significant other to your policy:
- Sharing a policy: If you share a vehicle or have separate vehicles at the same residence, you may be able to purchase a policy together. This would cover all your vehicles and allow you to drive the other person's car and be covered. In addition, you may qualify for a multi-car discount. 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.
Am I required to add my significant other to my policy?
Whether you are required to add a boyfriend, girlfriend, fiancé, or domestic partner to your car insurance policy will depend on your insurance company. Most insurance companies want to be aware of any licensed drivers living in the household with access to a vehicle. 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.
What happens if we get married or break up?
Once you tie the knot and are living together, most insurers expect you to share a policy with your spouse, so carrying separate policies may no longer be an option.
If you're sharing car insurance with your girlfriend, boyfriend, fiancé, or domestic partner and you break up, your significant other will have to get their own insurance policy as you're no longer living together or driving each other's vehicles. In this situation, you will both need to get a separate policy as soon as possible so you don't risk being uninsured.
Add a significant other to your policy at Progressive
Current Progressive customers
Log in to your policy or call 1-866-749-7436 to add your significant other. You'll need their date of birth, driving history, and license information, as well as their vehicle identification number (VIN) if you plan to add their vehicle to a joint policy.