Can I Add My Girlfriend to My USAA Car Insurance Policy?

Adding your girlfriend to your USAA auto insurance policy can help provide protection for both of you while driving each other’s cars. It also allows you to take advantage of any available multi-car discounts. But can you add a girlfriend who is not your legal spouse to your USAA policy?

The short answer is yes. USAA allows members to extend their auto insurance coverage to domestic partners, including unmarried girlfriends. This article explains everything you need to know about adding your girlfriend to your USAA car insurance policy.

Who is Eligible to be Added to a USAA Policy?

USAA is unique in that its products and services are only available to military members, veterans, and their families. To be eligible for USAA auto insurance, you must be:

• An active, retired, or honorably separated U.S. military officer or enlisted personnel
• A cadet or midshipman at a U.S. service academy or in an ROTC program
• An officer candidate in an OCS program
• A current or former U.S. military academy student
• A current or former dependent or spouse of an eligible USAA member

As long as you fall into one of those categories, you can add the following people to your USAA policy:

• Legal spouse
• Children or stepchildren
• Other relatives who live with you
• Domestic partner, including an unmarried girlfriend

So even if you and your girlfriend are not married, she can still be covered under your USAA insurance as a domestic partner.

Requirements for Adding a Domestic Partner

To add an unmarried partner like a girlfriend to your policy, there are a few requirements:

• You and your partner must have lived together for at least 6 months
• You must provide documents proving you live together (lease, joint bank account, etc.)
• Your partner must be licensed to drive
• Your partner cannot have been dishonorably discharged from the military

As long as you meet those criteria, you can start the process of adding your girlfriend as a driver to your USAA car insurance policy.

How to Add Your Girlfriend to Your USAA Insurance

Adding your girlfriend to your existing USAA policy is straightforward:

1. Contact your USAA agent. Call or email your agent to start the process.

2. Provide details about your girlfriend. Be ready to provide her full name, birthdate, driver’s license number, and any other info requested.

3. Complete the domestic partner affidavit. You’ll need to sign a form validating your girlfriend qualifies as a domestic partner.

4. Provide proof of shared residency. Supply documents like a shared lease or bills to confirm you live together.

5. Get listed as a driver. Your agent will add your girlfriend to the policy as an additional insured driver.

6. Review new policy terms. Your premiums and coverage options may change, so review the new terms closely.

The process is designed to be quick and easy. In most cases, your girlfriend can be added in just a few days.

Benefits of Adding Your Girlfriend to Your USAA Insurance

There are some nice perks to having your unmarried partner on your USAA policy:

• Peace of mind when sharing a car – You’ll both have liability and collision coverage when driving each other’s vehicle.

• Multi-car discounts – Insuring two or more cars on the same policy is cheaper than having separate insurance.

• Convenient billing – You’ll only have one insurance bill to pay every month.

• Bundle home insurance – It’s easier to bundle home and auto policies when you’re both insured by USAA.

• Easier claims process – You can file claims easily on each other’s behalf if you’re both covered drivers.

For unmarried couples, adding your girlfriend to your USAA insurance gives you protection and discounts you wouldn’t have with separate policies.

Potential Downsides of Joint Insurance

While there are many positives to putting your girlfriend on your car insurance, there are a couple potential drawbacks to consider:

• Higher premiums – Adding another driver and car may increase your overall insurance rates.

• Both drivers affected by claims – Accidents or violations by one driver impact the policy rates for both people.

• Breaking up is complicated – Removing an ex from your policy after a breakup can be messy.

• No protection if unmarried – Unlike for married couples, there are no spousal legal protections if you split up.

However, for most couples the benefits outweigh the risks when deciding to get joint USAA car insurance.

What Happens If You Get Married?

If you and your girlfriend eventually get married, you will need to notify USAA to update your policy. Here’s what changes when you change from domestic partner to spouse:

• Your wife is now eligible for full USAA membership.

• You need to provide a copy of your marriage certificate.

• Your wife can get her own USAA accounts and policies.

• You may get access to additional USAA products like life insurance.

• Your wife gets legal spousal protections under the policy.

• Filing claims and billing stays largely the same.

• You’ll still qualify for any multi-vehicle discounts.

Overall, the transition from unmarried girlfriend to wife is simple for USAA members. Just provide proof of marriage to get her fully integrated into your USAA insurance.

Answers to Common Questions

Here are answers to some frequently asked questions about adding girlfriends to USAA auto insurance:

Can I add my live-in girlfriend to my USAA policy?

Yes, as long as you have lived together for 6+ months and provide proof of shared residency.

What if my girlfriend has a poor driving record?

USAA may charge higher premiums or require her to take defensive driving courses before adding her.

Can my girlfriend get USAA insurance even if she isn’t military?

Yes, unmarried partners are eligible for USAA insurance through the eligible military member.

What if my girlfriend is in a same-sex relationship with me?

USAA provides equal benefits to same-sex and heterosexual domestic partners.

What happens if my girlfriend wrecks my car?

As long as she’s listed as a driver, damage will be covered under your collision coverage minus the deductible.

Can I insure my girlfriend’s car even if I’m not the owner?

Yes, USAA policies cover both owned and non-owned vehicles that policyholders drive regularly.

Adding an unmarried partner to your policy gives you comprehensive coverage and discounts while driving each other’s cars. As long as you meet the eligibility criteria, USAA makes it easy to add girlfriends and other domestic partners. Contact a USAA agent to get a quote on joint coverage today.