Can your boyfriend add my car to his insurance?

Answer 1

If you live in the same household as your boyfriend, you may be able to combine insurances to lower your premiums. Each insurance company is different with their requirements of who qualifies for a multi-car discount. Some will require the two of you to be married, while others only require that you live in the same household.

It is important to consult with each of your agents to verify this information before you make a switch. Also ask the agent if you both must be registered owners of the cars in question to prevent confusion. The main issue there is whether you will be considered to each have an insurable interest in the car of the other.

Additionally, if the two of you are on the same policy, and one of you gets a ticket or has an accident, it can affect the entire premium. Therefore, to the extent that the boyfriend/girlfriend relationship may not be everlasting, it may be best to maintain separate insurance policies.