If your car insurance cover anybody over 25 and your hubsand got his own insurance do you have to put him on your insurance?

this is a common question. it really depends on the company you are referring to. most major carriers require both spouses to be on the policy with the exception for the following reasons:

1-spouse not licensed

2-spouse cannot drive for medical reasons

3-spouse lives out of the country

some companies will let you exclude your spouse from the policy. this means that he/she is listed and acknowledged as a licensed driver in your household but does not drive your vehicle. if you have your spouse excluded from your policy and they get in an at-fault accident in your vehicle there will not be coverage.

usually it is cheaper to be rated as married on the auto insurance policy so you may want to get a quote for that. also, you should get the multiple vehicle discount.