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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 husband and wife who want to retain their own separate policies or a situation where there is a child who has their own car, separate from their parents, and thus their own policy.

Typically it is cheaper to have members of a household and their vehicles on the same policy since there can be a multi-car discount. Also, insurance companies generally require all licensed household members to be listed on a policy, so even with separate polices, each insurance provider will likely require the other household members to listed on each other's polices. This can add expense.

If you're considering splitting car insurance policies between you and your spouse, read our guide on marriage and car insurance policies.

If you have a teen or new driver in the house, read our guide on car insurance for young drivers.

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