Do spouses have to be on the same auto insurance policy? Is it legal to have differentpolicies?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 4, 2018

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Insurance Question from Willingboro, NJ

Asked on 11/04/2018

Do spouses have to be on the same auto insurance policy? Is it legal to have differentpolicies? Do spouses have to be on the same auto insurance policy

Answer given on November 05, 2018

Spouses do not have to be on the same auto insurance policy. However, if you are keeping apart due to a driving record issue, it could back fire.  The insurance companies usually ask who is a driver in the house hold. If you do not declare your spouse, it could be an issue if they drive your car and there is an accident.  You can tell the insurance company that there is a separate policy, but they may want to exclude the spouse.  Also, if the cars are in both of your names, then there is a question if you buy a new car. Which policy will automatically cover the new car?  You get anywhere from 10-30 days to tell the insurance company about the new car. If there is an accident, there is duplicate coverage so the insurance companies may split the amount of a claim. 

If there is no issue regarding driving records, it may save you money to have all cars on one policy. You can get a multi car discount for having multiple cars on the policy. Make sure you are not throwing away any money.

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