Auto Insurance Companies That Allow Spouse Exclusions (2022)
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UPDATED: Nov 3, 2021
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- Some states allow for named exclusions from auto insurance
- This can help you save money on your premiums
- If the excluded driver gets in an accident, you could be in financial trouble
If you’re looking for auto insurance companies that allow spouse exclusions, you may be limited by your local government.
However, some states that allow exclusions will happily give you auto insurance coverages that don’t consider spouses or other family members you name.
If you’re interested in finding rates for auto insurance companies that allow spouse exclusions, enter your ZIP code above into our free quote tool.
Which auto insurance companies allow spouse exclusions?
Whether or not an insurance company is able to give you a policy with a named driver exclusion isn’t always up to that company.
Each state regulates auto insurance and will decide whether to accept the risk that comes with named exclusions. Only some insurers in specific states are allowed to offer auto insurance exclusions.
Auto insurance companies that don’t allow spouse exclusions likely do so to avoid any risk that comes with leaving someone who has access to the vehicle off the policy.
The states that don’t allow named driver exclusions of any kind include:
- New York
States that require you to insure everyone in your household under one auto policy allow you to share your vehicle without the need for extra paperwork. Ultimately, this is meant to protect you and the insurance company from further complications arising from an excluded driver.
These states most likely prohibit named driver exclusions due to the risk that comes with that person still having physical access to the vehicle. An example from the Missouri state government shows how complex these named driver exclusions can be.
It’s best to know what limitations your state places on named driver exclusions before you buy auto insurance from companies that allow spouse exclusions.
If your state does offer a named driver exclusion, you’ll need to make sure the driver who is exempt from auto insurance coverage has no access to your vehicle whatsoever.
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How much are auto insurance rates from companies that allow spouse exclusions?
When you exclude a spouse who requires high-risk auto insurance. from your insurance policy, you can lower your auto insurance rates significantly.
Below are some examples of annual rates you could pay with a high-risk driver on your policy:
|Companies||Average Rates With a Clean Record||Average Rates With 1 speeding violation||Average Rates With 1 accident||Average Rates With 1 DUI|
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If your spouse has had any accidents, DUIs, or speeding tickets over the last three years, you’ll want to lower your rates by comparing auto insurance companies that allow spouse exclusions near you.
A named driver exclusion can prevent you from paying over $300/mo ($3,600/yr) on auto insurance.
What is an excluded driver?
An excluded driver is someone that you guarantee won’t have access to your vehicle. This can help states that require all drivers under the same roof to be insured on an auto policy.
Whether or not you exclude a driver from your insurance policy will largely depend on your circumstance as well as the legality in your state.
If the person you want to exclude from your policy is considered a high-risk driver, excluding them from your insurance policy could save you on your premiums.
If they don’t drive at all, this can help let an insurer know that they won’t have access to the vehicle.
What happens if an excluded driver gets in an accident?
If an excluded driver gets in an accident using your car, then you’re responsible for the cost of repairs. Excluding a driver from your policy means your insurance company will deny any claims filed when that person was driving.
Not only will you and that person likely be held responsible for the financial costs of the accident, but you may also lose your insurance coverage as well.
With consequences like these, it’s a little easier to see why some states would limit the availability of named driver exclusions.
How to Find Auto Insurance Companies That Allow Spouse Exclusions
Unless you live in a state that doesn’t allow for driver exclusions, you can likely find an insurer willing to give you an affordable policy.
Many affordable auto insurance companies allow spouse exclusions, so always remember to compare at least three different auto insurance quotes before you buy to find the best rates.
If you’d like to find quotes for auto insurance companies that allow spouse exclusions near you, enter your ZIP code into our free quote tool below.