Can Married Couples Have Separate Auto Insurance?

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Although marriage is a declaration of love, government agencies and private businesses view it as a business contract that allows two individuals to combine their legal and financial affairs. Married couples often choose to file join tax returns, open joint bank accounts and sign up for joint automotive insurance. However, some married individuals desire to keep separate automotive insurance policies.

Background

Auto insurance carriers typically allow married couples to keep separate automotive insurance policies. This is because companies still recognize that married individuals are unique persons with their own driving histories and payment habits. Getting married usually will not affect the rates or premiums an individual must pay on his automotive insurance.

Advantages

One advantage of keeping separate insurance policies after marriage is that individuals' insurance premiums will likely fall from their previous rates. This is because auto insurance companies view married drivers as more responsible drivers, making them lower risks to file claims, according to a 2011 article from CarInsuranceRates.com, a vehicle insurance informational website.

Disadvantages

Although insurance companies allow married couples to keep separate insurance policies, it usually does not make financial sense for drivers to do so. This is because joint insurance policy premiums typically cost less than those for two separate individuals. Additionally, separate policies means separate coverage -- if one marriage partner wishes to drive her spouse's vehicle, she will not be protected, according to an April 2009 article from Car Insurance.com, an online automobile information resource.

Considerations

If one marriage partner has a history of incidents, accidents and claims, keeping separate insurance policies may save couples money. This is because car insurance companies will raise married couples' insurance premiums due to one partner's adverse driving history, regardless of how good the other individual's vehicular operation record is. Additionally, married individuals who drive separate cars may benefit from keeping distinct automotive insurance policies because rates and coverage amounts may vary widely between two different vehicles.

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