Car Insurance for Domestic Partnerships

If you cohabitate, you can add a domestic partner to a policy, but you need to have separate policies if you each own a car. Learn more about car insurance for domestic partnerships.

Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: May 31, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

The Rundown

  • Add your domestic partner to your policy if you live under the same roof
  • You may need to do this even if you don’t cohabitate, but your partner often drives your car
  • If you each have your own cars you can maintain separate policies but should be on each other’s policies if you live together

If you are in a committed but unmarried relationship, you may be thinking about how this affects your vehicle insurance. Should you share a policy and does living together create a more complex situation from an insurance point of view? We know that you want to do the right thing to avoid any problems, but that it’s not always easy to get the answers. This is why we have looked into the details for you here.

If you’re looking for car insurance, domestic partners could be covered. Read on to find out.

What You Need to Know About Car Insurance for Domestic Partners

If you’ve decided to live together but not get married, your insurance company may require you to add your boyfriend or girlfriend to your current policy. You cannot simply treat them as a “permissive user,” as this type of agreement is for people who do not live in the same house and may have occasional vehicle use.

If you don’t live together, the situation is different, and it may not be necessary to add your partner to your policy. However, you should check with your insurance company to see if there are any specific restrictions related to this. Ask them if they have a limit to the number of times that the same permissive user can get behind the wheel of the vehicle each year. 

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

Do you need to be married to be on the same car insurance policy?

You do not need to be married to be listed on the same insurance policy. Thus, if you’re looking for auto insurance as an unmarried couple living together and sharing a vehicle, ask your insurance company to add the other person. Remember, car insurance companies typically want to list all drivers living in the same home on the car insurance policy.

What if you live together and own separate vehicles?

If both of you own your own cars, you can have separate auto insurance policies. If you choose this path, you should list both people on each other’s policies if you live under the same roof. You can also take out a shared policy for both vehicles. Ask your insurance company if they can extend any discount for multiple policies. Some companies may use these to reward customers for their loyalty.

Will my insurance cost more if I add my partner?

Insurance companies look at the driving history, age, and other factors for each person that they add to an existing policy. In this case, you may have to pay more for your policy when you add a live-in domestic partner to your car insurance.

If your significant other has a poor driving record, you may want to consider whether to add them to your insurance policy or not. Remember, while it may be possible to add them as a permissive user if they do not live in the same household, check with your insurer for limitations. Likewise, insurance companies often use a credit score when setting rates. If your domestic partner has a very low credit score, this could lead to far higher quoted rates.

Can you combine car insurance policies?

You may want to know if you can have a combined policy if both of you live together but own separate vehicles. Car insurance companies rely on a factor known as “insurable interest” when issuing a policy. Although car insurance companies once considered unmarried couples to lack insurable interest in each other’s cars, that’s no longer the case. With most insurance companies you can share a policy if you can prove a committed relationship and live together.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

The Bottom Line on Domestic Partnership Car Insurance

If you are in a domestic partnership and live under the same roof, you will typically need to add your partner to your car insurance. If you each have your own car, you can maintain separate policies but should consider adding each person to the other’s policy. You can also get a joint policy if you share the same address.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption