Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Some insurers may require you to contact a representative to remove a driver and provide proof that the driver no longer lives with you. Since companies may vary as to the exact process, check with your insurer for more details. In most cases, you can add an unmarried couple to your car insurance policy if you both share a permanent residence.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person.
Whether you should add a boyfriend, girlfriend, fiancé, or domestic partner to your car insurance policy depends on your insurance company. With most insurers, unmarried couples can share a joint auto insurance policy or add to each other as drivers listed on separate policies. Sharing car insurance with someone else can result in a lower price than buying two separate policies. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence.
Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. If you share car insurance with your girlfriend, boyfriend, fiancé or domestic partner and you break up, your partner will have to take out their own insurance policy, since they no longer live together or drive each other's vehicles.
Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver.