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Am I required to tell my auto insurance company that I got married?
Do I have to tell GEICO that I got married? My wife doesn't drive and doesn't have a driver's license. I don't want to pay to have her listed on my policy for no reason.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You are required to update
GEICO
on your new marital status, but instead of costing money, it will likely lower the rate of your auto policy! In cases where a spouse hasn’t ever had a driver’s license and doesn’t intend to start driving, they are added as named insured on the policy and listed as a non-driver.
Why bother adding her at all then, right? The state looks at married couples as one entity. If you are sued due to a car accident, both you and your spouse would be named in the suit and you would both need representation. Since she is a part of the policy, she would be protected just like you are.
Adding your spouse comes with additional benefits. They will be able to make changes to the policy on your behalf and you will still get the married discount.
Since marriage licenses are public records, your insurance company would likely find out about your marriage and require you to add her to the policy anyway. If this happens, they may add her as an active driver and you would have to prove that she doesn’t have a license. Being upfront will save you time and money in the long run.
If you’re not satisfied with your rates currently, you can also use the
Jerry
app to compare quotes from dozens of car insurance carriers. Jerry does all the hard work of gathering competitive quotes and delivers the best deals to your phone in minutes for free.Congratulations and enjoy the (hopefully) long-lasting honeymoon phase!”
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- Gregory R.
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