It might be possible to have two separate auto insurance policies for one vehicle. Insurance guidelines differ, so you must ask your car insurance company to see if it’s allowed.
Typically, this type of double insurance on a vehicle is unnecessary and may go against underwriting guidelines since one policy covers all vehicle drivers.
It’s unnecessary to place two car insurance policies on the same vehicle. This type of coverage is hard to buy separately from all the liability coverage required on a policy. A co-signer can request to be listed as an additional insured on a policy and can be notified of a policy’s status just like a lienholder.
Each person in this scenario must have an insurable interest in the vehicle. So, while it might be possible for two people to insure the same vehicle through different companies, it might be difficult to find insurance carriers that would permit this.
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Laura Longero
Executive Editor
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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