Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
Yes, you can have two car insurance policies in the same household in certain situations. For instance, you can have separate policies if you live with a roommate rather than a family member or if you do not share vehicles with the other drivers in your household.
If anyone else in your household uses your car regularly and you do not wish to share a car insurance policy with them, you may add them as a driver to your policy so they are covered when driving your car. Depending on your insurance company, you may actually be required to list or specifically exclude any driving-age people living at your residence. Listing someone as a driver is not the same as sharing a car insurance policy because listing a driver simply means they’re covered when driving your car, while sharing a policy means your separate vehicles are insured under one policy.
When You Can Have Multiple Car Insurance Policies In One Household
- You have roommates who aren’t family. If you live with someone you are not related to and you do not regularly share vehicles, you will most likely be able to get separate policies. On the other hand, some providers (like Progressive) require married couples who live in the same household to share a car insurance policy, though this is not the case for every insurer.
- You are worried about another driver in your home making your car insurance policy more expensive. You can get two different insurance policies if you do not share vehicles. However, some insurance companies require you to list all driving-age individuals in your household on your policy, so their driving record might affect your insurance anyway. In this case, you can make your roommate an “excluded driver” so their driving record does not affect your insurance.
- The vehicles are registered to different owners. When there are multiple vehicles and each is registered to a different person, it makes having separate policies easier to justify. It is difficult to insure a vehicle that is not registered to you, and some states do not allow it.
Although having separate policies makes sense in a lot of situations, it’s important to remember that you may actually save money by sharing one policy and getting a multi-car discount. A multi-car discount applies if you have two or more vehicles insured with the same insurance company. Sharing a policy is generally cheaper overall, too.
To learn more, check out WalletHub’s guide to how car insurance works.
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