Can I Add My Girlfriend or Boyfriend to My Auto Insurance?

Yes, you can add your girlfriend or boyfriend to your auto insurance policy if you two live together or if they drive your vehicle regularly. Adding a girlfriend or boyfriend to auto insurance can be more expensive if they are a high-risk driver, so shop around for multiple auto insurance quotes before adding a significant other to your car insurance. Enter your ZIP code below to start comparing car insurance quotes for free.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Oct 30, 2020

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If you have a girlfriend or boyfriend who uses your car regularly and you are moving in together, then you might be considering adding your significant other to your car insurance policy.

Can I add my girlfriend or boyfriend to my auto insurance? Can I get insured on my boyfriend’s car? Are you eligible for discounts for adding your girlfriend or boyfriend? Can I add someone to my car that doesn’t live with me? Today, we’re explaining everything you need to know about adding your girlfriend or boyfriend to your car insurance plan and hopefully helping you grow your understanding of auto insurance.

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Yes, You Can Add a Boyfriend or Girlfriend to Your Car Insurance

First, let’s clarify something: you can absolutely add your boyfriend or girlfriend to your car insurance policy.

Generally, you would add your significant other to your car insurance policy when he or she lives at the same address. However, you may also add her to your car insurance policy if she lives at a different address but drives your car frequently.

Once your boyfriend or girlfriend has moved in with you, you may actually be required to add your significant other to your car insurance policy. Your car insurance company may request the names of every licensed driver at your address – including roommates and significant others.

Now that we’ve determined you can add your boyfriend or girlfriend to your car insurance policy, it’s time to ask a different question: should you add your boyfriend or girlfriend?

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Factors to Consider Before Adding a Significant Other to your Car Insurance

Some of the things to consider before adding your girlfriend or boyfriend to your car insurance policy include:

Do You Live Together? If you and your significant other live at the same address, then you are most likely required to add him or her to your car insurance policy. Your car insurance company requires you to list everyone residing at the same address who could potentially drive your car – even if they don’t drive the car regularly. If you fail to list your boyfriend or girlfriend, then he or she will not be covered when driving your vehicle – say, if your significant other occasionally borrows your car to run an errand.

How Often Does Your Significant Other Drive Your Car? If you and your significant other do not live together, then you may still want to add him or her to your insurance policy. Generally, when you lend your car to someone, you are also lending your car insurance to that person. A friend who drives your car occasionally, for example, will be covered under car insurance. However, if your significant other uses the car frequently, then he or she may be considered a primary driver. In that case, insurance could refuse to cover a claim in the event of an accident. If your boyfriend or girlfriend drives your car frequently, then it may be in your best interest to add him or her to your insurance policy.

Does Your Boyfriend or Girlfriend Have a Good Driving Record? Sometimes, it’s not in your best interest to add a significant other to your car insurance – say, if they have a bad driving record. If your significant other has multiple at-fault accident claims or DUIs, then your insurance company could consider that person a high-risk driver, causing your insurance premiums to jump.

Does Your Significant Other Have Bad Credit? Bad credit scores can lead to higher insurance premiums.

Pros and Cons of Adding a Boyfriend or Girlfriend to your Car Insurance

It’s not always a good idea to add your significant other to your car insurance policy. Things to consider include:

Pros:

  • Your significant other will definitely be covered by car insurance whenever he or she is operating your vehicle
  • There’s less chance your insurance company will challenge or deny a claim made while your significant other was driving
  • You may qualify for discounts (couples in domestic partnerships may get cheaper car insurance)
  • You may qualify for bundling discounts if insuring multiple vehicles together

Cons:

  • If your significant other has a bad driving record or bad credit, then your premiums could increase
  • If your significant other has a really bad driving record, then you may be required to list him or her as an excluded driver on your insurance policy to avoid higher rates, which means he or she will not be allowed to drive your vehicle

Final Word: Should You Add Your Boyfriend or Girlfriend to your Car Insurance Policy?

If your boyfriend or girlfriend has moved in with you, then you are most likely required to add your significant other as a listed driver on your insurance policy.

If you and your significant other live apart, however, then it’s up to your judgment. If your significant other drives your car frequently enough to be considered a primary driver, then any insurance claims made while he or she was driving may be denied. Consider listing your significant other on your insurance policy to avoid this headache.

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