Can you have two car insurance policies in the same household?

It might be possible for there to be two car insurance policies in one household, depending on the insurance companies involved and the circumstances. Some companies will not allow it because of state laws and liability exposure.

Two car insurance policies can be held in the same household in certain situations. This can include a married couple who wants to retain separate policies or a situation where a child has their own car, separate from their parents, with their own policy.

Typically, it is cheaper to have household members and their vehicles on the same policy because of multi-car discounts and discounts for married couples. Also, insurance companies generally require all licensed household members to be listed on a policy, so even with separate policies, each insurance provider will likely require the other household members to listed on each other’s policies.

If you’re considering splitting car insurance policies between you and your spouse, check out the marriage and car insurance policy guide.

If you have a teen or new driver in the house, check out the guide to car insurance for young drivers.

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Laura Longero

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Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

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Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

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Advertised example rates are returned based on the driver's self-reported data and the driver meeting certain criteria. Also, safe driver and other discounts may have been applied to achieve the advertised rate, which may not be available to the average consumer. Your actual quoted rate may vary greatly and may be subject to adjustment based on verification of your self-reported data.