Can a married couple have separate car insurance policies?

As long as a married couple does not share cars, they can have separate car insurance policies. Learn the requirements on car insurance for married couples.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 16, 2022

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Here's what you need to know...

  • Married couples can have separate car insurance policies if they each have their own car
  • Common reasons for separate policies are a poor credit score, a poor driving record, or an expensive car 
  • In most cases, it is cheaper and more practical for married couples to have one car insurance policy 

As long as a married couple does not share cars, they can have separate car insurance policies. While it is usually better for couples to share a car insurance policy for car insurance discounts, some couples choose to keep separate policies because of poor driving records, expensive cars, or similar financial reasons.  

We’ve covered when a married couple can have separate car insurance policies, when they should keep them separate, and when they should consider having one policy together. Read on to learn more about car insurance for married couples

When is it okay to have separate car insurance for married couples? 

Yes, married couples can have separate insurance policies. However, you must have different cars and put each other down as excluded drivers. Keep in mind that you risk being dropped by your insurer if the company finds out you’ve let your spouse drive your car even though you excluded your spouse from your insurance policy. 

Being dropped by an insurer can make it harder to find insurance coverage. So if you plan on your spouse driving your car, make sure you add them as a listed driver or policyholder on your auto insurance. 

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Why Married Couples Choose to Have Separate Policies 

There are several reasons married couples may choose to have separate car insurance policies. Some of the most common reasons for different car insurance coverage are: 

  • One spouse has a poor driving record. If one driver has high rates because of a poor driving record or has to carry high-risk insurance, it usually makes more sense to carry two separate policies. 
  • One spouse has an expensive car. If one driver has a sports car that the other spouse doesn’t drive, it’s usually best to have separate policies. 
  • One spouse has a poor credit score. If one driver has a poor credit score that results in high car insurance rates, some couples will choose to keep their policies separate. 

Often, it is better financially for a married couple to keep separate car insurance policies in these situations. Having two separate insurance policies in any of these situations can often be cheaper than having one car insurance policy together. 

When to Consider Combining Car Insurance for Marries Couples

If you don’t have one spouse with high rates or an expensive vehicle, combining car insurance policies usually makes more sense. Married couples typically qualify for discounts and lower rates, as two people are more likely to make consistent payments than just one driver. Married couples can also earn discounts like a multi-car discount. 

Some of the reasons to consider combining car insurance policies are: 

  • Cheaper rates. Usually, getting one insurance policy together earns you more affordable rates. Some insurers even have a discount for married couples. 
  • Easier to keep track of plan information. When you combine car insurance policies, you only have one renewal date and payment date to track.
  • Covered when driving each other’s vehicles. You will both be covered if you drive each other’s cars. 
  • Easier to bundle. One car insurance policy makes it easier to bundle joint policies like home insurance with your car insurance. 

Married couples often find it easier and cheaper to have a joint car insurance policy unless one spouse has extremely high rates. It is easier to get discounts and eliminates concerns about driving each other’s vehicles.

The Final Word on Separate Car Insurance Policies for Married Couples 

Married couples can have separate car insurance policies, but they need to list each other as an excluded driver on their car insurance policies and have different vehicles. It is better to share one car insurance policy in most cases unless one driver has exceptionally high insurance rates.  

If you are looking for a separate insurance policy for yourself, the best way to find affordable car insurance rates is to shop with car insurance providers in your area using an online rate comparison tool. 

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