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Q

Can a married couple in Wisconsin have two different auto insurance policies on separate vehicles? Can you exclude your spouse from the policy?


A

A married couple can have two separate car insurance policies on two different vehicles; they will however need to include each other as drivers on each policy.

Some individuals like to keep their own car insurance policy on their own vehicle, which is acceptable though when they are married they will need to inform their car insurance company and add their spouse onto the policy as a driver.

In some states if your spouse has a bad driving record and you want to keep them off of your separate policy, so your rates will not be affected, you can do so with a named driver exclusion. However named-driver exclusions are not allowed in Wisconsin.

Under section 632.32 (6) (b) 1, of the Wisconsin Statutes, an automobile policy which includes Liability coverage may not exclude coverage for persons related by blood, marriage or adoption to the insured. So WI law here specifically does not allow for a spouse or child to be excluded from your car insurance policy.

The Wisconsin Office of the Commissioner of Insurance told us that named-driver exclusions are also not allowed for persons unrelated to the insured. If a driver has the permission of the named insured to drive the vehicle and when the use is covered under the terms of the owner's policy than pursuant to WI Statute 632.32 (3) (a) and (b) and (5) (a) the person should be covered (and not excluded).

Wisconsin law basically says that when a car owner has a Liability car insurance policy in place its coverage must apply in the same manner to any person using the vehicle and needs to extend to any person legally responsible for the use of the motor vehicle. So exclusions are not allowed.

Combining auto insurance policies when you get married is typically cheaper since you would get a multi-car discount with most automobile insurance companies. However if you are married couple and each of you want to keep a separate policy on your vehicle, it should be permitted as long as you list each other on each of your policies.

Whether keeping your own policy or combining policies with your spouse, use CarInsurance.com and to automatically find the best car insurance rates available. We offer multiple company insurance rates for personal auto insurance and the ability to purchase from one place; we are ahead of other online insurance companies. Start your free auto insurance quote here to see how companies compete for your business.


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