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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • Joint car insurance policy is cheaper and offers discounts to the partners who have had a good driving record
  • The insurance companies do not limit joint car insurance policies to the married people alone
  • It is important to review your partners driving record before settling for joint car insurance policy

Joint car insurance policy applies when the company includes more than one person in an insurance coverage. The two have equal rights over their policies and each one of them consents to any changes that the other makes on the insurance coverage.

The changes may include leaving the policy or removing a joint partner from the coverage. Only people living in the same house can have a joint car insurance policy.

The groups that can have the insurance coverage include:

  • married spouses
  • engaged couples
  • parents and children
  • roommates

Sometimes business partners may consider having a joint policy.

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Importance of a Joint Car Insurance Policy


There are a few factors to consider as you think about a joint car insurance policy:

  • Fair Pricing – Insurance companies provide fair prices to people who do not hold a record of irresponsible driving. If you own a car under two names, it is cheaper to have both parties on one insurance policy rather than have two separately.
  • Easier Ownership Transfer – Joint insurance account holders require holding an account together before settling for that insurance coverage.
  • Discounts – The joint account holders get to enjoy several discounts that the single owner does not have. This may include the married drivers and good student discounts.

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When do you qualify for a joint car insurance policy?

It is not everyone who is eligible for a joint car insurance policy. The insurance provider requires that you live together and each have a driver’s license.

Another requirement from an insurance company is that the two parties involved should have experience and hold no bad driving record. If the parties do not satisfy either of that, then they would have to go for an alternative insurance policy.

Car Insurance Policy for Married and Engaged Couples


Most insurance companies are more open to spouses and engaged partners, because the two of them may have a family or are expecting to have one in the future. Therefore, they tend to stay away from risky behavior thus posing fewer risks to the insurer.

Lower risks equate to lower premiums.

It is a requirement in some states for one to include a spouse in their insurance policy although other states do not have that requirement.

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Other Scenarios 

Once a child reaches driving age, it is important to include them in a joint car insurance policy. Some insurance companies may allow the children to use the parent’s joint coverage even after moving out of the house.

Joint insurance policies among roommates are not very common, but some insurance companies cover the interested parties.

Business partners, on the other hand, require having an insurable interest in the vehicles if they are planning to have a joint car insurance policy.

One of the partners may have a better credit score compared to the other. Having a joint insurance cover allows the other partner to enjoy the savings.

Partners in a joint car insurance policy may end up paying very high premiums if one of them does not have an excellent driving record. The joint policy may end up costing more compared to two separate policies.

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Additional Insured


Alternatively, the involved parties in a joint account may opt for an “additional insured plan.” In this case, there is the primary driver who uses the car more than the other partner does. It also applies to spouses who live away from each other.

The insurance company adds the person who does not drive the car frequently as an additional insured on the policy. In this case, the insurer asks for the address and the name of the additional insured only.

This works so well if the driver with the bad driving record is not the additional insured. The company sends notifications to all the people included in the insurance policy through the addresses provided.

In this kind of insurance plan, the unskilled driver may have the temptation of fronting. Fronting is where one driver chooses to cut the costs of another driver’s car insurance.

It mostly occurs when one of the drivers has a bad driving record and is subject to high premium rates. The additional insured may declare themselves as the primary insured if the main driver has issues with insurance companies.


One of the advantages of joint car insurance is a broad range of insurance discounts. Most people do not get to enjoy the discounts since they are not aware of them.

It is ideal to check with your insurance provider on certain discounts that you can enjoy. Some of the discounts for the joint policy include the married drivers and the good students’ discounts.

Married partners enjoy seven percent lower premiums than a single person from the insurance companies. On the other hand, the good students who attain a “B” average in their class work receive a cut on their insurance premiums.

All in all, it is good to shop around and compare quotes from different insurers and opt for the one that offers you the best deal. Compare quotes today using our free rate tool!