Allstate Auto Insurance: Adding Your Spouse

If you're married, you're almost always required to list your spouse on your car insurance policy. While Allstate does not offer a specific marriage discount, married couples typically pay lower premiums for joint insurance policies than single drivers. To add your spouse to your Allstate auto insurance, you can log in to your account online and navigate to the Update a Policy page, where you can select Add a Car and enter the necessary information.

Adding a spouse to your Allstate auto insurance policy may lower your premium

Adding a Spouse to Your Allstate Auto Insurance Policy: What You Need to Know

If you're an Allstate customer and recently married, you may be wondering how to add your spouse to your auto insurance policy. It's important to note that while you are not legally required to add your spouse to your car insurance, most insurance companies, including Allstate, will require you to list all licensed household members on your policy. This is because they usually have access to your vehicles, and failing to do so can be considered fraud in some states.

Benefits of Adding Your Spouse

Adding a spouse to your Allstate auto insurance policy may lead to a lower premium. Married couples typically pay around 4% to 10% less for car insurance than single drivers, as they are seen as less likely to file a claim. However, this is not always the case, and adding your spouse could increase your premium if they have a poor driving record or low credit score.

Excluding Your Spouse

If your spouse has a poor driving record or low credit score and does not plan to drive the family car, you may want to consider excluding them from your policy. This could reduce your premium, but it's important to note that named-driver exclusions are not allowed in some states or by all insurance companies. In the event that your spouse does drive your car and is excluded from your policy, your insurance company may deny any claims arising from an accident.

Steps to Add Your Spouse

To add your spouse to your Allstate auto insurance policy, you will need to contact Allstate directly. You can do this by calling their customer service line or by logging into your online account and updating your policy. Provide all the necessary information about your spouse, including their driver's license details and vehicle information if they have their own car.

Shopping for Quotes

Before adding your spouse to your policy, it's a good idea to shop around for quotes from other insurance companies. Compare rates and discounts offered to find the best deal for your situation. You can use online tools or speak to insurance agents directly to find the right coverage for your family.

You are not legally required to add your spouse to your auto insurance policy

While it is common for spouses to be listed together on an auto insurance policy, it is not a legal requirement. You are not legally required to add your spouse to your auto insurance policy, even if they are a licensed driver in your household. However, there are a few things to keep in mind when considering whether or not to add your spouse to your policy.

Firstly, state laws and insurance company policies differ, but most insurance companies will require you to list all licensed household members on your policy since they usually have access to your vehicles. Failing to do so could be considered misrepresentation or fraud in some states. Therefore, it is important to check with your insurance company and understand their specific requirements.

Secondly, adding your spouse to your auto insurance policy can offer benefits, such as potential discounts and lower rates. Insurance companies often view married couples positively, assuming higher responsibility and stability compared to single individuals. This can result in lower premiums for married couples. Additionally, combining your auto insurance plans can save you money, especially if both spouses have clean driving records.

On the other hand, if your spouse has a poor driving record or a low credit score, adding them to your policy could increase your premiums. In this case, you may want to consider excluding them from your policy. However, keep in mind that if they ever drive your car and are in an accident, your insurance company may refuse to cover the claim if they are not listed on your policy.

In summary, while you are not legally required to add your spouse to your auto insurance policy, it is important to consider the potential benefits and drawbacks. Communicate with your insurance company to understand their specific requirements and make an informed decision based on your situation.

If your spouse has a poor driving record, you may want to exclude them from your policy

If you exclude your spouse from your auto policy, you are guaranteeing that they will never drive your vehicle. This is because if they do drive your car and get into an accident, they will not be covered by your insurance policy. You will have to pay for all damages yourself. Therefore, if your spouse is ever going to drive your car, you should not exclude them from your policy.

If you exclude your spouse from your policy, they will still need their own auto insurance coverage. Driving without insurance is illegal in most states, and your spouse could be fined as high as $5,000 if they are caught.

To exclude your spouse from your policy, call your insurance provider and inform them of the change. They will update your policy to specify that your spouse will not be covered. Keep in mind that the named exclusion will carry over to all future renewals, so if you want to add your spouse back to your policy in the future, you will need to talk directly with your provider.

If your spouse has a poor driving record but you don't want to exclude them from your policy, you can keep separate policies and add each other to the other person's policy. However, this may result in higher rates, as insurance companies typically consider all licensed drivers in a household when calculating rates.

If your spouse has their own car, they may already have insurance coverage

If your spouse has their own car insurance policy, you may be able to request that they remain off your policy. To do this, you will typically need to provide an affidavit confirming their coverage and share the policy information with your insurance company. It is important to keep your insurance company informed of any changes, as failing to do so could be considered insurance fraud.

Additionally, if your spouse has a poor driving record or a low credit score, and they never plan to drive your car, excluding them from your policy may reduce your premiums. However, named-driver exclusions are not allowed in some states or by all insurance companies, so it is essential to review your insurance company's guidelines.

On the other hand, if your spouse has a clean driving record, adding them to your policy could result in savings. Married couples with clean driving records could save between 4% and 10% by combining their auto insurance plans into one. Sharing a policy is generally cheaper because you split the cost of certain coverages, and you benefit from your spouse's clean driving record.

You can remove your spouse from your auto insurance policy if you separate or divorce

Yes, you can remove your spouse from your auto insurance policy if you separate or divorce. This is a significant decision that requires careful consideration, as insurance policies are legal contracts, and making changes without following the proper procedures can have consequences. Several situations may prompt the need to remove your spouse from your car insurance policy, the most common being separation or divorce.

If you and your spouse are sharing a home, they will need to get an auto insurance policy in their name before you can remove them from your policy. Your insurer may even require an affidavit from your spouse's new auto insurance company to confirm the policy and coverage information before removal. Once you and your spouse have established separate addresses, they can get their own auto insurance coverage, and you can drop them from your car insurance policy.

If you are the Primary Named Insured (PNI) on a car insurance policy and have simply named your spouse as an active driver, you can remove them and make other changes to the policy yourself. If you are not the PNI, you can only remove yourself from the car insurance policy. To remove your spouse from a joint car insurance policy, you will need their signed consent and then follow the proper procedure, which will depend on your insurance company's rules.

Before removing your spouse from your policy, most insurance companies will require their permission and proof of replacement auto insurance. To take your spouse off your car insurance policy, check with your insurer to confirm the steps you need to take. These may include:

• Establishing yourself as the primary named insured on your account
• Obtaining your spouse's signed consent to remove them from the policy
• Providing proof of your spouse's new insurance policy

Frequently asked questions