Divorce insurance law doesn’t spell out exactly when a separate policy is needed for each divorced individual. Each auto insurance company has its own time line for when the divorced driver needs to have a separate policy. A common time period used by insurance companies is thirty days after the divorced is finalized. The purpose of auto insurance is to deflect some of the risk associated with driving. When going through a divorce, most people want to separate many aspects of their life from their ex-spouse as soon as they can.

Divorce car insurance discounts can be harder to find than the discounts available to married couples; however, many people change their insurance as soon as they are separated to ensure they will not be affected negatively by any actions of the person from whom they are being divorced. By starting to shop and compare insurance policies early, a person can be prepared so that there is one less thing to worry about when the divorce is finalized.