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Can a married couple have separate car insurance policies?

Is it possible for a husband and wife to have individual car insurance policies? My wife drives one vehicle while I drive the other 100% of the time. This is due to our commutes.

May 8, 2019 Spring Hill, FL

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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Yes, you can have two separate policies. This can have its benefits in some cases. However, you will still need to be listed on each other's policies as household members/spouses but you can be excluded. Being excluded means you would not be covered under the policy at all. With that being said, it is typically more cost-effective to have one policy. You will qualify for more discounts, such as multi-vehicle, which leads to better rates. Good luck and if you have any questions, don't hesitate to ask.

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