Is it possible to insure a car under my name but list my husband as the primary driver?

In most states, the names on a vehicle's registration and insurance policy don't have to match from a legal perspective, but insurers can decide not to insure a person whose name is not on the vehicle's registration.

You can list other drivers on your policy, such as your spouse, but only the named insured driver can make changes to the policy.

Named insured drivers typically are the owners of an insurance policy on a car they own or lease, and policies can have more than one named insured driver, such as a spouse.

If your spouse doesn't have a separate vehicle, they should be listed as a driver on your car insurance policy to ensure they are covered.

In New York, if a driver uses two names on their vehicle's registration, both names must also appear on the car's insurance policy.

Having your car's registration and insurance in different names can make filing an insurance claim more difficult.

Most insurance companies conduct thorough investigations to verify the identity of drivers when processing claims, so it's essential to ensure accurate information.

Insurers generally charge lower premiums for married couples than for individual drivers, making it cheaper for spouses to come together and be covered under one policy after marriage.

You may get additional car insurance discounts for insuring more than one car and driver on the same policy.

As the named insured driver, you are responsible for the vehicle and any damages or accidents that occur while someone else is driving.

One of the conditions of having a named driver is that they do not use the car more than you, as the main driver.

Some people will add a named driver who will actually be the primary user, such as parents adding their inexperienced son or daughter.

A named insured driver cannot be removed from a policy without their consent, as they are the policyholder.

Additional drivers may be listed on a policy, but only named insured drivers can make changes to a policy.

When filing a claim, insurance companies often investigate the circumstances surrounding the accident, including who was driving the vehicle at the time of the incident.