Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse). Adding your spouse to your policy ensures that both of you are covered in the event of an accident. If you and your spouse have a good driving record, a joint car insurance policy can save you money with lower premiums and a discount for multiple cars (if your insurer offers one). Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple.
Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. First, the insurance policy for the car you borrow will be used, and then the non-homeowners policy will apply if the damages exceed the limits of liability of the car owner. You should compare insurance quotes for non-homeowners from at least three companies to see who has the cheapest price for the coverage you want. This is useful because insurers often charge higher rates if their insurance coverage has recently expired.
However, if you share a home with someone who has a car that you borrow, you may have to be listed as a driver on the car owner's policy. If you have a license, don't own a car, but you regularly drive a car that belongs to someone else, you need insurance for non-owners. An auto insurance policy for a 16-year-old driver who just received their license is likely to be more expensive than a policy for an 18-year-old with more driving experience. As with a conventional policy, it's wise to compare car insurance quotes before purchasing a non-homeowner's insurance policy.
In addition, non-homeowner car insurance is used by high-risk drivers who must purchase a liability policy to keep a driver's license. If you're married and living in separate homes, that's fine and, in fact, it's necessary to have separate car insurance policies, since your vehicles are parked in different places. Most insurers also require that you don't have regular access to a car, such as a car that's owned by another member of your household. Car insurance for people other than the owner will take effect if you have an accident and the damages exceed the amount specified in the owner's liability coverage.
If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. The insurance company may not cover an accident that you cause while driving a car that you borrowed from someone who lives in the same household.