You are going to want to check your insurance policy for this answer. Most policies extend coverage for spouses. However, they also write into the requirements of the insured that you must list all of the drivers in the household and inform them of any changes to such. This can vary by state and sometimes by company, so you will want to verify with your local agent.
You'll also want to consider having her on your policy as the MARRIED rate is normally LOWER than the SINGLE rate. Showing your spouse will "prove" you are married.
You might not want to let him/her drive your vehicle but that is between you and him/her.
Also, if the spouse has their own vehicle, the "multi-car" discount will also save you money.
Agent, Rural Mutual Insurance Co., Union Grove, WI
To the best of my knowledge in Wisconsin all licensed drivers within the household must be listed on your policy unless they have their own policy. Each state has it's own regulations about auto insurance coverage and regulations change from time to time. I would recommend that you contact your local agent to find out what the requirements are within your geographic area.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
In California all licensed drivers residing in the household must be included on the car policy. That information is more readily available and your insurance company and agent probably know about your wife and her driving record. She can, however, be excluded. In that case the insurance company is not obligated to honor any claim when your wife is operating the car. Of course, that is a very scary proposition.
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You might not want to let him/her drive your vehicle but that is between you and him/her.
Also, if the spouse has their own vehicle, the "multi-car" discount will also save you money.