Best Car Insurance for Unmarried Couples in 2025 (Top 10 Companies)

State Farm, USAA, and Progressive take the top spots as the best car insurance options for unmarried couples, renowned for their competitive rates and comprehensive coverage.

Delve into this comprehensive guide to explore why these companies stand out, offering tailored solutions that perfectly fit the needs and circumstances of unmarried couples.

Our Top 10 Company Picks: Best Car Insurance for Unmarried Couples

With a focus on affordability and quality service, you can confidently compare quotes and find the ideal coverage to protect you and your partner on the road.

Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool above to instantly compare quotes near you.

Car Insurance for Unmarried Couples: Monthly Rates by Coverage Level & Provider

Adding Your Fiancé to Your Auto Insurance

The sharing of a household by an unmarried couple is referred to as cohabitation. In a cohabitation situation, can you share insurance? The short answer is yes but with some caveats, which we’ll discuss in this and the following sections.

What is unmarried couple car insurance? Can I add my boyfriend to my car insurance? What about my girlfriend? My domestic partner? Should I add my significant other to my car insurance?  Unmarried couples can share car insurance coverage when they’re living in the same household or driving the same vehicle. (For more information, read our “Can I add my girlfriend to my car insurance policy?“).

There are stipulations your insurance provider may place on the policy, though these vary based on the number of cars being insured and the living situation.

Insurance providers often require that you list individuals living in your household on your insurance policy as a driver, regardless of marital status, because your provider assumes someone living in your home may operate your vehicle.

If you don’t want to list an individual on your policy and your provider discovers this omission, this could be a red flag they use to consider raising your rates or even not renewing your policy.

Your other option is to specify that the other person in your home is an excluded driver, which means they cannot operate your vehicle.

This label means they are not figured into your insurance coverage premiums, and your policy will not cover the loss if they do drive your vehicle.

Read More: Does car insurance cover excluded drivers?

Insurance Policy With Your Domestic Partner

If your partner lives with you, you share a vehicle, or they frequently drive your vehicle, it’s a good idea to consider sharing an insurance policy. Also, having multiple drivers (and often multiple vehicles) can mean policy discounts that reduce your rates.

The first step to joint car insurance for unmarried couples is understanding your car insurance policy. When considering the options, make sure to figure in any potential discounts for switching coverage or adding policies with your provider. Read this guide for steps you can take to get the right insurance for your needs.

When is a good idea to maintain separate car insurance policies? If you don’t live together or don’t regularly use each other’s vehicles, it may not make sense to share a policy.

In some cases, it may cost you more to share a policy than to maintain separate coverage. For example, if your partner has a poor driving record or some other factor that designates them as high-risk (like poor credit), keeping your policies separate will probably save you money.

Options for Unmarried Couples for Having Car Insurance

There are two primary choices for shared insurance households as an unmarried couple; each of these options requires both individuals to be a named insured on the policy.

While your insurance policy may cover individuals that are not listed, a named insured is someone the insurance provider is aware of and can provide additional assistance or information to when a loss occurs.

• One option is to list each other on your respective policies if you own more than one car
• The other option is to have the owner of the shared car list the additional person as a driver

Each option will affect your coverage in different ways, meaning you may qualify for additional discounts or end up paying higher rates depending on how your policy changes.

When two households become one, at least from an insurance provider’s perspective, your policies are linked into one joint policy within a single. To gain profound insights, consult our extensive guide titled “Compare Joint Ownership Car Insurance.”

Assumption of Vehicle Usage: Shared Responsibility Within the Household

Joining two households into one single household on a single policy works well when there’s at least one car per person; you are the primary driver of one, and your partner is the primary driver of the other. However, your insurance provider will consider you both additional drivers on the other vehicles.

There are other benefits to a single household policy, including:

• Easier claim resolution if you are driving another car from the household
• Earning additional discounts for purchasing other product lines
• Multi-car insurance discounts for insuring multiple cars with the same provider

Take a look at this table for specifics on how much you can save with multi-car discounts.

Multi-Car Insurance Discount Amount by Company

Your other option applies to instances where you only have one vehicle or where you and your partner have different insurance providers. For coverage to apply, you can list the other person on your policy as an additional driver, even if they are not in your household.

This provision is allowed since you are not insuring their vehicle; you are merely stating they may drive your car. If you want to purchase joint coverage, this is not the correct option.

Removing Individuals or Vehicles From Car Insurance

When it comes to changing your policy, removing an individual or a vehicle is fairly straightforward. This change can occur when you move out of the house or decide you are no longer a couple.

Removing a driver follows the same process as adding a driver. Contact your insurance provider to remove the individual from your policy. You can choose to remove a vehicle in the same way.

If you are currently sharing joint policies with another person, it’s important to make sure the other party has insurance before you cancel their coverage.

Even when two people decide to part ways, it’s important to end the agreement amicably.

Remember that your insurance provider may be providing you a discount if you have multiple policies, so be prepared for a possible increase if you remove a vehicle (or driver) from your insurance policy. For a comprehensive overview, explore our detailed resource titled “Multiple Policy Car Insurance Discounts.”

Exploring Real-World Insurance Solutions: Case Studies

In the dynamic landscape of car insurance, individual needs and preferences play a crucial role in determining the best coverage options. These case studies provide a glimpse into how different individuals and families navigate their unique insurance requirements.

From families adjusting to new drivers to professionals seeking tailored coverage and tech enthusiasts embracing digital solutions, each scenario sheds light on the practical application of insurance policies in everyday life. Let’s delve into these real-life examples to understand how various insurance companies meet distinct client needs.

• Case Study #1 – Home Safety Upgrade: An unmarried couple decides to renovate their home for added security. With their homeowners insurance policy, they receive coverage for the installation of advanced security systems, ensuring enhanced protection for their shared residence and peace of mind for their future together.
• Case Study #2 – Road Trip Mishap: While embarking on a cross-country road trip, an unmarried couple’s vehicle breaks down in a remote area. Utilizing their roadside assistance coverage, they swiftly receive towing services and repairs, allowing them to resume their journey and continue making unforgettable memories together.
• Case Study #3 – Joint Vehicle Purchase: Opting to purchase a new car together, an unmarried couple secures a joint auto insurance policy. With customized coverage tailored to their unique needs, they enjoy comprehensive protection for their shared vehicle, fostering trust and security in their partnership. To gain in-depth knowledge, consult our comprehensive resource titled “Understanding Your Car Insurance Policy.”

Mike enjoyed a seamless digital experience with Progressive, from easy policy management through their app to discounts aligned with his safe driving habits.

The tech-forward approach of Progressive resonated well with his lifestyle, offering both convenience and cost savings.

Joint Car Insurance for Unmarried Couples: The Bottom Line

Unmarried couples can purchase insurance coverage together (a joint policy), or they can alter their current policies to meet their needs. For detailed information, refer to our comprehensive report titled “Compare Joint Ownership Car Insurance: Rates, Discounts, & Requirements.”

With joint coverage, all your vehicles and both you and your partner are covered under a single policy, enabling you to have a single insurance bill. This may be difficult, however, if the primary policyholder doesn’t own all the vehicles.

This allows you to have a policy for each vehicle while ensuring you may drive any vehicle on the policies.

If you have only the one vehicle or are not living together, then listing the other person as an added driver may be your only choice.

Car insurance providers can list someone as an additional driver on your policy if you believe they will regularly operate your car.

Make sure to shop around for coverage before making your choice, regardless of which path you pursue. Some insurance providers offer better discounts for multiple lines of insurance or safe driving records, so compare three or four quotes beforehand.

Ready to buy joint car insurance for unmarried couples? Enter your ZIP code in our free tool to begin comparing rates for joint car insurance for unmarried couples today and save on your rates.