Cheap Auto Insurance Companies That Allow Spouse Exclusions in 2024
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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:
- Kansas
- Michigan
- New York
- Virginia
- Wisconsin
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:
Average Annual Auto Insurance Rates for High-Risk Drivers
| Companies | Average Rates With a Clean Record | Average Rates With 1 speeding violation | Average Rates With 1 accident | Average Rates With 1 DUI |
|---|---|---|---|---|
| Allstate | $3,820 | $4,484 | $4,988 | $6,261 |
| American Family | $2,694 | $3,026 | $3,723 | $4,330 |
| Farmers | $3,461 | $4,079 | $4,519 | $4,719 |
| Geico | $2,146 | $2,645 | $3,193 | $4,876 |
| Liberty Mutual | $4,774 | $5,701 | $6,205 | $7,613 |
| Nationwide | $2,746 | $3,114 | $3,397 | $4,543 |
| Progressive | $3,393 | $4,002 | $4,777 | $3,970 |
| State Farm | $2,821 | $3,186 | $3,396 | $3,637 |
| Travelers | $3,448 | $4,261 | $4,290 | $5,741 |
| USAA | $1,934 | $2,193 | $2,516 | $3,506 |
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.
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Frequently Asked Questions
Can I find Cheap Auto Insurance Companies That Allow Spouse Exclusions?
Yes, there are auto insurance companies that offer the option to exclude a spouse from your policy. By excluding your spouse, you may be able to secure lower premium rates, especially if your spouse has a poor driving record or other factors that could increase the overall insurance cost.
What is a spouse exclusion in auto insurance?
A spouse exclusion in auto insurance allows you to remove your spouse from your insurance policy. By doing so, your spouse will not be covered under the policy, and their driving history and characteristics will not be taken into account when calculating the premium. This exclusion can help reduce the cost of your auto insurance policy.
Why would I consider excluding my spouse from my auto insurance policy?
There are a few reasons why you might consider excluding your spouse from your auto insurance policy:
- Poor driving record: If your spouse has a history of traffic violations, accidents, or other factors that may negatively impact your insurance premiums, excluding them from the policy can help you secure lower rates.
- Separate vehicles: If you and your spouse each have separate vehicles and insurance policies, it may be more cost-effective to exclude them from your policy to avoid potential premium increases resulting from their driving history.
- Unlicensed spouse: If your spouse does not have a valid driver’s license or does not drive, excluding them from your policy can help eliminate unnecessary coverage and potentially reduce your premiums.
Are all auto insurance companies willing to allow spouse exclusions?
No, not all auto insurance companies allow spouse exclusions. The availability of spouse exclusions may vary from one insurance company to another. It’s important to check with individual insurance providers to determine if they offer this option and to understand their specific requirements and conditions.
How can I find auto insurance companies that allow spouse exclusions?
To find auto insurance companies that allow spouse exclusions, consider taking the following steps:
- Research online: Use search engines or insurance comparison websites to look for insurance companies that mention spouse exclusions or customizable policy options.
- Contact insurance providers: Reach out to insurance companies directly and inquire about their policy regarding spouse exclusions. Ask about any additional requirements, limitations, or potential effects on coverage.
- Compare quotes: Obtain quotes from multiple insurance providers that offer spouse exclusions. Compare the coverage options, rates, and any specific conditions or discounts they may offer.
- Understand the implications: Before excluding your spouse from your policy, make sure you understand the potential consequences. Excluding your spouse means they will not be covered under the policy, and any accidents or incidents they are involved in may not be covered by your insurance.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.