Advantages of combining insurance
Sharing a policy is generally cheaper, as you'll split the cost of certain coverages. Plus, if you're in a one-car household, you avoid paying to insure the same car twice.
You benefit from your spouse's clean driving record:
If you've had violations or accidents, your spouse's clean driving history may result in a more competitive rate.
You can share cars:
You're covered when driving each other's cars. No need to let your insurer know who's driving what or when.
It's easier to maintain a single policy than manage two.
Multi car discount:
Progressive and many other insurers offer discounts for having multiple vehicles on one policy.
How to add your spouse to your policy
How coverages work with your spouse
Here's a refresher on common coverage situations if you combine policies
Your spouse drives your car and damages it
It's usually covered if you added comprehensive and collision for your car. You'll just have to pay the deductible. FYI: You add comprehensive and collision specific to each car, not each driver.
You drive your spouse's car and damage it
Similar to above, it's usually covered if comprehensive and collision were added.
Your spouse drives your car and hits someone else
They should be covered. If they're at fault, any damages they cause to other cars, property (mailboxes, phone poles, etc.) and others' injuries should be covered by bodily injury and property damage liability. This coverage comes standard and extends to all drivers on the policy, no matter what car they're driving. The same limits apply.
You drive your spouse's car and hit someone else
Exact same coverage situations as above.
How coverages work if you have separate policies: Your coverages would work similarly, but everything is more complicated. For example: Your spouse is driving your car and hits someone else. There are two separate claims here–damages they cause to others and damages to your car. Which company will handle and pay each claim can vary based on the accident, damages, and who is officially at fault. That's why it's usually easier to combine policies.
It's usually easier to combine policies with your spouse.
FAQs for insurance with spouse
What if we want separate policies?
If you are married and living in the same household, Progressive and many other companies require you and your spouse to be covered on the same policy. But, if you're living in separate households, then it's OK and actually necessary to have separate policies because your vehicles are garaged at different locations.
What if I want to exclude my spouse?
In many states, you have the option to exclude your spouse as a driver. Other states allow you to exclude a spouse, but only for certain reasons, such as if they're not licensed or already have insurance. Finally, in some states, you will not have the option to exclude family members and your spouse will automatically be covered.
Who should be listed first on the policy?
If you are listing your spouse as a driver then their driving history will equally affect your rate, and it won't matter who is listed first.
What happens if we get a divorce?
You'll likely want to get separate policies. Insurers may handle this differently, but at Progressive, if you're the primary policyholder (meaning the first name listed on the policy), you don't have to get a new policy. The second name listed on your policy, known as the “second named insured,” can be “spun off” onto their own policy. If you have Progressive, you can log in to your policy to complete this online or call one of our licensed agents at 866-749-7436 who will walk you through the process.
Once that occurs and both parties are covered separately, the primary policyholder will remove the second named insured from the original policy.
- You and your husband share a Progressive policy.
- You plan to divorce, and your name is listed first on the policy.
- You'll stay on the policy, and your husband will start a new one.
- Once your husband is covered, you'll remove his name from the policy.
Now that I'm divorced, will my policy price increase?
While it's true being married is a favorable status to insurance providers, you may still be eligible for discounts—but you should check with your insurance company. If you have Progressive, you'll also keep your Loyalty Rewards and/or Continuous Insurance Discount.
Do you recognize common-law marriage?
Common-law marriage is recognized in some states, and your coverage will work the same way as if you were married.