Married couples do not have to combine insurance policies. However, it usually makes sense to do so. Combining policies can qualify couples for discounts and lower rates. If you and your spouse have a good driving record, the savings you may qualify for can be significant.

Can my husband and I have different insurance?

You have the option of putting both spouses on one plan or selecting two different plans. You can pick separate plans even if you’re enrolling in the exchange with premium subsidies. To qualify for subsidies, married enrollees must file a joint tax return, but they don’t have to be on the same health insurance plan.

Does car insurance cover both husband and wife?

The named insured is the person or people named in the policy. Liability policies cover named insureds no matter what car they are driving. Spouse. Even if a spouse of the named insured is not named on a policy, auto liability insurance almost always covers the spouse as well, while driving any car.

Do you have to have separate car insurance if you are married?

If your rates go up, you are free to change companies and find the cheapest car insurance for your situation. If you are just married, you do not have to combine your auto insurance. Many couples go for years, or forever with separate insurance. Whether combing auto insurance policies is up to you and your spouse.

When do spouses have to be on the same insurance policy?

They may be able to continue keeping separate policies after they’re married, but they’ll usually need to be listed on each other’s policies after they move in together. It’s usually cheaper for spouses to come together and be covered under one policy after they’re married.

Can a spouse be excluded from a car insurance policy?

If you have separate policies and you want to minimize your spouse’s effect on your rates, you can name her as an excluded driver. That’s a commitment to your insurer that your spouse isn’t going to drive your car. If she does, your policy won’t cover any damages.

Do you have to have insurance for two cars?

Automobile insurance policies, however, usually do not have to be combined. Most companies offer lower rates for married couples and multi-car discounts, so adding a second car can save you money, but there are reasons to keep policies separate. Investigate your options thoroughly before acting.