Getting married can lower your car insurance costs, but does your spouse need to be on your Geico policy? This article will examine if and when you must add your spouse to Geico insurance after marriage.
Spouse Coverage Requirements with Geico
In most cases, Geico requires adding your spouse to your auto policy once you are married. Here’s why:
- It provides liability protection for both you and your spouse.
- This is true even if your spouse has their own car and insurance.
- There are exceptions in some states that allow separate policies for married couples.
- But in general, Geico mandates spouses to prevent coverage gaps.
Impacts of Adding Your Spouse
Adding your husband or wife as a driver will likely affect your rates and coverage:
Rates May Go Up or Down
- Premiums depend on both driving records. A good driver can lower rates.
- Discounts may apply by bundling home or life insurance.
Gaps if Spouse Not Added
- No liability protection if your spouse drives your car uninsured.
- No coverage for spouse’s injuries in your vehicles.
Steps to Add Your Spouse to Your Geico Policy
Here is the process to add your spouse to insurance after getting married:
- Inform Geico of your marriage and spouse’s info.
- Provide your spouse’s driver’s license, VINs, and driving history.
- Geico will run a background check on your spouse’s record.
- You’ll be issued an updated policy and new premium.
- Consider bundling home, life or motorcycle policies for possible discounts.
When You May Not Need Spouse Coverage
In certain cases, you may not need to add your spouse:
- If your spouse does not drive your insured vehicles.
- If you live in a state allowing separate policies for married couples.
- If an exclusion form prevents your spouse from driving certain cars.
Overall, Geico does require married couples to add each other to auto insurance in most states and situations. This provides important protection for both spouses and prevents coverage gaps. Consider the pros and cons, discounts available, and your state’s specific laws. With some married couples, excluding your spouse from your Geico policy may make sense after reviewing options.
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