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...

  • Choosing to add your girlfriend to your auto insurance may be necessary depending on your specific situation
  • If your vehicle is operated by your girlfriend on a frequent basis, then it is a good idea to add her
  • Additionally, if your girlfriend lives with you, your insurance company may require you to add her to your coverage
  • Before adding your girlfriend, it’s critical that you find out more about her insurance history and her driving record
  • A poor driving record or a history of insurance claims could cause your insurance premiums to go up, or it could cause your company to stop providing coverage altogether

When you choose to add a significant other, such as your girlfriend, to your car insurance policy, it’s not a decision to take lightly.

While there are situations that may make it necessary to add her onto your coverage, it’s important that you do enough research ahead of time to make the right decision for your needs.

The following are all points to consider:

  • how often she uses your car
  • what your housing situation is or will become
  • her previous insurance history and driving record

Find the best car insurance for your situation by entering your zip code above.

How often does your girlfriend drive your car?

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One of the main things that your insurance company will ask you about is how frequently your girlfriend uses your car. Any time that someone is operating a non-owned vehicle, the primary insurance policy is normally the one that provides coverage in an accident.

There are exceptions to this, such as unauthorized use or excluded drivers, and there are state-specific exceptions as well.

Depending on your insurance provider, there may be stipulations on when to add a driver to your policy and what requirements they must meet first.

If your girlfriend is living in your home and operates your vehicle once per month, your provider may not consider adding them a necessity. If they operate your vehicle once per week, your provider may have a different opinion.

It’s important to speak to your provider about any changes or potential situations like this before an accident occurs.

If there is a claim, but it’s discovered that your girlfriend should have been listed on the policy, then your insurance company may be unwilling to provide coverage for the loss.

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Where is your girlfriend currently living?

Another factor to include in your decision-making process is where your girlfriend currently lives.

Your insurance provider often looks at the individuals that reside with you in the home when determining your premium rates and your policy coverage options.

In many cases, an insurance company may consider anyone in the home that is legally able to drive a potential driver; this may mean you need to list them on your policy.

There are situations where you may be able to avoid adding your girlfriend to your policy, usually if she can provide a signed letter showing she has her insurance policy in force.

Regardless, it’s important to speak honestly to your provider about your housing situation and the others living in your home.

If there is a claim situation that arises, and your provider discovers that information was hidden from them that they requested or required, then your claim may be declared invalid. Also, this could constitute an act of insurance fraud, which may have severe consequences.

What are your girlfriend’s previous driving record and insurance history?

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A big determining factor for any insurance coverage is the individual’s driving record and insurance history. Although you may already have been accepted by your insurance provider, your girlfriend may not be.

Before you add her to your policy, it’s important to speak with her about the following:

  • her previous claim history
  • any traffic citations or violations
  • other pertinent information

If you add a driver with a poor driving record to your policy, your insurance carrier may increase your premium amount, alter your coverage options, or even cancel or non-renew your insurance policy.

If you are concerned about how your girlfriend’s record may affect your coverage, speak to your provider before making the chance.

If your current provider cannot meet your needs, you may want to shop around for a new insurance carrier.

Are there any unique exclusions or exceptions to be aware of?

Each state has a set of insurance rules and regulations that may affect how your coverage applies to other drivers. Some of these rules can even limit or exclude who is allowed to operate a vehicle if they are not listed on the policy.

If you live in a state like this, you may need to add your girlfriend to your policy before she uses your car. Otherwise, any claims you make could be voided or declared invalid.

Your policy terms normally carry information about exceptions and exclusions. If you are not sure what your state requires or restricts, speak to your insurance provider about your needs and your unique situation.

Choosing to add your girlfriend to your car insurance may be required depending on your situation. It’s important to take factors like your girlfriend’s previous driving record, her housing situation, and her previous insurance history into account before adding her.

If you have questions about how adding her as a driver may alter your policy, speak to your insurance provider before making any changes.

Compare car insurance companies today and see how much you could save.

References:

  1. http://www.iii.org/article/eight-auto-insurance-myths
  2. https://www.ameriprise.com/auto-home-insurance/learning-center/insurance-tips-for-drivers/auto-insurance-coverage-made-simple/what-is-excluded-driver.asp
  3. http://www.iii.org/issue-update/insurance-fraud
  4. http://www.naic.org/documents/consumer_alert_review_auto_coverage.htm
  5. http://thelawdictionary.org/exclusion/