Compare Best Car Insurance Companies That Allow Spouse Exclusions [2023]
If you're looking to find quotes from car insurance companies that allow spouse exclusions, you may be in luck depending on which state you live in. While each local government decides its own car insurance regulations, you can find rates from car insurance companies that allow spouse exclusions rates as low as $25 a month.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 10, 2023
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UPDATED: Jun 10, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Car exclusions are available, depending on locations
- If your state allows it, you can save money on your monthly premiums
- Car exclusions opens you up to new risks
Finding car insurance companies that allow spouse exclusions are paramount to getting more savings on your policy. The best auto insurance companies will allow spouse exclusions.
While there are some limitations on car insurance exclusions, you may be able to exclude your spouse depending on which state you live in. This can save you money over the long term but can also cost you big time if you’re not careful.
Curious about your rates from car insurance companies that allow spouse exclusions? Enter your ZIP code into our free quote tool to get an idea of what you can pay.
Car Insurance Companies that Allow Spouse Exclusions
The insurers that allow you to exclude your spouse will largely depend on the state you live in, as is the case with a lot of car insurance regulations. Some states allow freedom to select exclusions, some allow them with limitations, and some states have banned them altogether.
When you exclude someone from your policy, you’re guaranteeing that they won’t ever be behind the wheel of your vehicle. This has the added benefit of potentially lowering your premiums if the named driver has a bad driving history that would be viewed as risky.
While you might be curious about finding a company that lets you exclude your spouse, it would make a lot more sense to first examine the local exclusion policies for your state. This can save you the headache of looking for a company in a state that doesn’t allow exclusions at all.
What states allow driver exclusion?
Each state will have different rules regarding car insurance regulations, mostly due to the fact that roads and driving conditions differ across the country. Some states like Arizona, California, and Texas all allow for named exclusions, while states like New York don’t allow them at all.
The table below shows which states allow driver exclusions:
State | Availability |
---|---|
Alabama | ✓ |
Alaska | ✓ |
Arizona | ✓ |
Arkansas | ✓ |
California | ✓ |
Colorado | ✓ |
Connecticut | ✓ |
Delaware | ✓ |
Florida | ✓ |
Georgia | ✓ |
Hawaii | ✗ |
Idaho | ✓ |
Illinois | ✓ |
Indiana | ✓ |
Iowa | ✓ |
Kansas | ✗ |
Kentucky | ✓ |
Louisiana | ✓ |
Maine | ✓ |
Maryland | ✓ |
Massachusetts | ✓ |
Michigan | ✗ |
Minnesota | ✗ |
Mississippi | ✓ |
Missouri | ✓ |
Montana | ✓ |
Nebraska | ✓ |
Nevada | ✓ |
New Hampshire | ✓ |
New Jersey | ✓ |
New Mexico | ✓ |
New York | ✗ |
North Carolina | ✗ |
North Dakota | ✓ |
Ohio | ✓ |
Oklahoma | ✓ |
Oregon | ✓ |
Pennsylvania | ✓ |
Rhode Island | ✗ |
South Carolina | ✓ |
South Dakota | ✓ |
Tennessee | ✓ |
Texas | ✓ |
Utah | ✓ |
Vermont | ✗ |
Virginia | ✗ |
Washington | ✗ |
West Virginia | ✓ |
Wisconsin | ✓ |
Wyoming | ✓ |
Just like the III shows, car insurance requirements change vastly between states. So it follows that each state would make up its own mind about excluding spouses from car insurance.
Car Insurance Companies That Don’t Allow Spouse Exclusions
Each state will limit who can be excluded from a car insurance policy. Most car insurers offer some kind of exclusions that limit what they’ll cover due to negligence or facts that come to light during the investigation.
If an insurer does offer an exclusion, the named person cannot have access to vehicles under that policy. If they crash or are crashed into while driving the vehicle, it’s almost certain that the insurance will not cover your vehicle or the damages done to that person.
Furthermore, the person who was driving your vehicle isn’t insured and you may be found financially responsible when your vehicle is the cause of an accident. This could put the person in financial jeopardy on top of having to repair a damaged vehicle.
In states that don’t allow exclusions, that person would most likely be covered under “permissive use” which extends your coverage to them when they borrow your vehicle. That being said, this can raise your rates a good bit.
If you live in an area that doesn’t allow for driver exclusions, you might be worried about the state’s most reckless drivers and wish to avoid the hassle that an exclusion process might bring.
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What is an excluded driver?
A “named exclusion” is when you guarantee to your insurance company that a specified person won’t have access to your vehicles. This is typically done to let an insurer know that one or more high-risk drivers that live with you won’t have access to your vehicle.
Since insurers consider the chance of accident when deciding how much to charge you per month, it makes sense that you’d want to minimize that risk by leaving off the drivers that don’t have access to your vehicle.
Otherwise, an insurer might view your proximity to that person as a heightened risk.
In states that don’t allow those exclusions, your rates are based on everyone who lives with you. This can transfer to higher rates if you have any younger or risky drivers under your roof.
How a Car Insurance Exclusion Can Save You Money
If you’re going to exclude a driver due to young age or risky driving history, you’re likely to save money on your monthly premiums. When you remove the risk that person poses by guaranteeing they’re not going to be driving your vehicle, your insurability will improve.
Who can be excluded?
In the states that allow car insurance exclusions, anyone you name can be excluded from receiving coverage on your policy, but make sure it’s someone you can guarantee won’t be behind the wheel of your vehicle.
If an excluded driver does get behind the wheel and gets into an accident, your insurance coverage goes out the window. You and the excluded person will be personally financially responsible for any damages to property, vehicles, or people done by the driver’s negligence.
Car Insurance Companies That Don’t Allow Spouse Exclusions: The Bottom Line
Deciding to exclude someone from your policy can save you a fair amount of money each month on your premiums. That being said, you’ll have to guarantee that the named person will never get behind the wheel of your vehicle, or else you’ll be paying out of pocket for the damages.
To get a quote from car insurance companies that don’t allow spouse exclusions, enter your ZIP code into our free quote tool to get an idea of what you can pay.
Frequently Asked Questions
What is a spouse exclusion in car insurance?
A spouse exclusion is a provision in a car insurance policy that allows the policyholder to exclude their spouse from coverage. This means that if the excluded spouse drives the insured vehicle and gets into an accident, the insurance company will not provide coverage for any damages or injuries.
Why would someone want to exclude their spouse from car insurance coverage?
There are several reasons why someone may want to exclude their spouse from car insurance coverage. For example, if the spouse has a poor driving record or a history of accidents, excluding them from the policy can help prevent an increase in insurance premiums. Additionally, if the spouse has their own separate car insurance policy, excluding them from the other policy can help avoid duplication of coverage.
Are all car insurance companies willing to provide spouse exclusions?
No, not all car insurance companies allow spouse exclusions. Each insurance company sets its own policies and guidelines regarding spouse exclusions, so it’s important to check with individual providers to determine if this option is available.
Which car insurance companies are known to allow spouse exclusions?
While the availability of spouse exclusions can vary, some car insurance companies that are known to allow this option include:
- Company X
- Company Y
- Company Z
How can I find the best car insurance company that allows spouse exclusions?
To find the best car insurance company that allows spouse exclusions, consider the following steps:
- Research and compare multiple insurance providers: Look for companies that offer spouse exclusions and compare their coverage options, prices, customer reviews, and financial stability.
- Assess your specific needs: Determine what coverage options are important to you and ensure that the insurance company you choose can meet those needs.
- Request quotes: Reach out to the insurance companies you are considering and request personalized quotes based on your requirements.
- Evaluate the quotes: Compare the quotes you receive, taking into account the coverage limits, deductibles, and any additional benefits or discounts offered.
- Consider customer service: Read reviews and consider the reputation of each insurance company in terms of customer service, claims handling, and responsiveness.
- Make an informed decision: Based on your research, quotes, and overall assessment, choose the car insurance company that best fits your needs and budget while allowing spouse exclusions.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
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.