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Devlaukor Asked March 10, 2026

Driver's license and insurance.

My husband with dementia (MHwD)(88) no longer drives; car is in both his name and mine. Should I renew his license (for ID) and do I need to change insurance to say that he's no longer driving? Or should I take his name off the registration (which would necessitate insurance change)?

JoAnn29 Aug 14, 2026
This post is from March. OP has not posted since then.
Reporting to close for comments.

97yroldmom Aug 14, 2026
Just don’t let the DL expire before getting the ID if that is the route you decide to take. Laws have changed and it is more complicated to get a DL or ID than you might remember from the past. I would keep him on the insurance, especially if the cost were less.

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MAYDAY Aug 13, 2026
Maybe start shopping other insurance companies.. start fresh(?)

MAYDAY Aug 13, 2026
DMV Should allow you to get him a free state ID, no license required..
just keep the car title as is, and notify insurance he is no longer driving.

these are good questions to ask your insurance co.

if you have AAA automobile club, some offices have DMV Services..

DaughterByLaw Mar 28, 2026
Some of this varies by state and definitely by insurance co.

Here in MN, when my in-laws surrendered their DLs, they both got state IDs instead. They wanted to keep their car (we drove them around in it). As their POA, I talked to their insurance (USAA) and we adjusted drivers - FIL was still the owner of the auto and the insurance policy, but was a non-driver. My husband and I were added as drivers. There was a very small increase I believe but not significant.

If you get a bad result from your insurance co, it might be time to shop around and see what result you can get from others. If the shifting from two to one driver causes a big increase, consider adding someone else (with a clean record) as an occasional driver on your policy.

SandyRC Mar 16, 2026
I took my husband off the car insurance. He is listed as non driver. Got id for him no driver license
var listed in my name

PaulfromWV Mar 15, 2026
Thanks for asking this. I was wondering if I should call the insurance company to remove my spouse. Had no idea the rates would go up.

Telemachos Mar 14, 2026
i live in Virginia. My wife stopped driving two years ago. She has dementia. When I called my insurance company to remove her name, I was told the premium would increase. I was flabbergasted and thought the phone rep made a mistake. I called several days later and spoke to different rep. Same answer.
MAYDAY Aug 13, 2026
Geez... insurance companies... unbelievable
MichaelT Mar 14, 2026
Removing his name from the insurance will actually cost you more money because of the higher single rate. You would also have to show his surrendered drivers license to drop him. He can get a state issued ID without having to pass a test or vision screening.

CaringWifeAZ Mar 14, 2026
You can get a State ID from the DMV.
You probably don't need to change the insurance, if he's not driving at all, and not likely to get the keys and sneak out. But, if you want to change the insurance, then you should take his name off the registration as well. You might see a cost savings by removing him as an insured driver. If there is a small chance that he might get in the car and drive somewhere, keep the insurance for him!

From my experience, Insurance companies are reluctant to remove anyone from the household, just in case they might drive the vehicle. I had to convince my insurance company that my husband is bed-bound, with partial paralysis and dementia, and could not even get in the car without my help.

kathygms Mar 14, 2026
In CO too, when my husband's driver's license needed to be renewed I got a state ID, no cost. I called USAA to take him off the insurance and I would lose the multiple driver discount so I left him on.

Patathome01 Mar 14, 2026
Get your husband only a state ID. In CA it’s called a senior citizen photo ID. Remove him from the car ownership, and if on the insurance, remove his name there too.

Wyncia Mar 14, 2026
In CO taking the no longer driving spouse off the auto insurance did not change the premium. That seemed unfair.

StarJoan Mar 14, 2026
Does your state offer an ID that isn't a drives license? Here in Virginia we can get an official ID.

JoAnn29 Mar 10, 2026
I think you need to go to your local DMV office. Different states have different laws. You may need a doctors letter saying he now has Dementia. You may have to have him with you. You can change his license to an ID only. The registration you will need to ask the DMV about. Call your insurance company about taking him off the policy. Like laws, Insurance companies are different too.

Geaton777 Mar 10, 2026
Don’t renew as a DL, he needs a state ID only. Call your DMV to find out the process.

Yes, take his name off the insurance as a driver.

If his name is on the car title as “and” I would also take his name off of it.

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