If your wife does not have a license and does not drive does she need to be on your auto insurance policy when one insurance man said yes and another said no?

If she is Not Licensed and Does Not drive and her name is not on the vehicle registration or the Finance Note , Then " No " she does not have to be on your insurance policy. A policy will not normally cover an unlicensed driver. An exception might be if the car is loaned to someone who the owner believes to have a valid license but does not. Since you know your wife is NOT licensed, this could not apply. Another exception could be if the car is taken without the owner's permission. This would apply only if you were to have your wife charged with Grand Theft - Auto. My advice is to ignore everyone's advice, including mine up to this point, and get the opinion that counts from the agent writing the policy.