One of the first things that people considering divorce do is to start trying to figure out all of the different parts of their lives that will change. One of the most important financial obligations many people have is their auto insurance. One question for many people about car insurance and divorce is at what point they should have separate, individual auto insurance policies.

Car insurance divorce laws in most states protect the individual and require that the agent or insurance company act responsibly and not drop a person’s coverage without direct permission. Reputable, well-rated companies will protect each individual. If a spouse threatens to drop the insurance, then the spouse should contact their insurance company. In these cases, most companies will offer to write a separate policy.

An individual should get a separate car insurance policy as soon as they change their address or their spouse changes their address. The location of where the driver lives is an important risk factor to insurance companies and it is best for the driver to protect themselves by informing their insurance company of important changes in their situation.