Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Deciding to add your boyfriend to your car insurance policy may be a necessity, but this can depend on your situation
  • If your boyfriend uses your car frequently, it may be a good decision to add her to the policy
  • Also, if your boyfriend is living with you, you may want to check with your insurance company; adding household members may be a requirement depending on the provider
  • Before you choose to add your boyfriend, it’s important that you ask him more about his driving record and his insurance history
  • If your boyfriend has a poor driving record or numerous insurance claims, your provider could raise your premiums or decide that they cannot provide you with the coverage you need

Choosing to add your boyfriend or a significant other to your car insurance policy is not a simple or quick decision.

There may be times in your life that it may be required to add someone onto your policy; when someone lives in your home or operates your car frequently, for example.

It’s important to do your research before you add someone to your policy since their previous choices and history can influence your policy.

Compare car insurance quotes and see how much you could save on your premium.

Your Boyfriend and His Use Of Your Car

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One important thing you should remember is that your insurance company will ask questions about how often your boyfriend is using your car.

Whenever a vehicle is involved in an accident, the car’s primary insurance coverage is the policy that provides coverage in the situation; there are instances where this can vary.

When an unauthorized driver or excluded driver uses your vehicle, for instance, there may be denials of coverage as well.

The insurance carrier your policy is through may have additional requirements or stipulations regarding an additional driver, when you should add them, and what requirements they need to meet.

If your boyfriend lives in your home with you, adding him may be something your insurance carrier considers necessary. Someone living in your home may be seen as a frequent user, regardless of how often they use the car.

Remember that you should speak to your insurance provider about any situations such as these before an accident or claim situation occurs.

If a claim situation occurs, and it’s discovered that you should have listed you boyfriend on the policy, the insurance carrier may be hesitant or unwilling to cover any portion of the loss.

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Your Boyfriend and His Housing Situation

An additional factor you should consider before making your decision is your boyfriend’s living situation.

As mentioned previously, your insurance provider will look at the individuals that live in your home when they are quoting your policy coverage; the individuals in your home can influence your premium costs as well.

In some situations, insurance providers may decide that anyone living with you could be a potential driver, which means you may need to list them on your policy.

There are times where you may not need to list your boyfriend on your policy, usually when he provides proof of coverage through another insurance carrier; this proof often needs to be a signed affidavit from the carrier.

This information would be provided to your insurance carrier to show that he already carries coverage and does not need to purchase additional coverage.

When you are getting your insurance quote, speak to your carrier honestly about who lives in your home and how they use your vehicle.

If you fail to provide information to your insurance carrier and there is an accident, they could determine that they are not required to cover the loss.

This could occur when the person involved should have been listed on the policy before the accident occurring.

Failing to add an individual to your insurance policy through omission of details or facts could also constitute an act of insurance fraud, which can have several incredibly severe consequences.

Your Boyfriend, His Driving Record, and His Insurance History

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Another major piece of information that your insurance carrier will look at when you choose to add your boyfriend will be his driving record and his insurance history.

Your insurance carrier may have reviewed you and provided you with coverage, but your boyfriend may not meet the risk profile they are looking to meet.

Before you choose to add him to your policy, speak to your boyfriend about his previous history.

If you choose to add another driver to your policy, and they have a poor driving record, your provider may choose to:

  • increase your premium
  • alter your policy coverage
  • cancel your policy

If you are wondering how adding your boyfriend to your policy could alter your coverage, speak to your insurance provider before making any changes.

If you find that your current provider is unable to meet your needs, shopping around for a new provider may be your best option.

Your Boyfriend and Any Exclusions To Your Policy

Every state has their insurance rules and regulations; these can affect how coverage applies to drivers that are not listed on your policy.

These policy terms and exclusions can limit or exclude drivers that are allowed to use your car if they are not a listed driver on your insurance policy.

If your state has stipulations like this, you may want to add your boyfriend to your policy before letting him use your car.

Failing to add an individual to your policy before letting them use your car can be a problem if there is a claim situation.

Claims you make for non-listed drivers could be declared invalid, or your provider may determine they are not obligated to cover the loss.

If you are unsure what your state’s rules or regulations are, speak to your carrier about your needs and situation; they can help you evaluate your policy to make sure it protect you from several potential losses.

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Conclusion

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When you choose to add your boyfriend to your car insurance policy, it’s important that you assess the situation and gather the details first.

Adding your boyfriend to your policy may be a requirement depending on your unique situation, which should be discussed with your insurance provider if you have any concerns.

Additionally, your boyfriend’s previous choices can be an influence or factor when your provider reviews your policy coverage. Things that your provider may look at include:

  • driving record
  • insurance history
  • living situation
  • age

They may decide that adding him creates too much additional risk for your policy.

If your provider cannot meet your needs for coverage due to the addition of your boyfriend, you may want to look at other providers.

Each provider offers different levels of coverage for different situations and premium costs, so pursue multiple providers to learn more about what each one has to offer. Use our free rate tool today to find the best price for auto insurance.