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Car Insurance for Divorced Couples: What You Need to Know

Divorce is a stressful and complicated process that can affect many aspects of your life, including your car insurance. If you and your spouse share a car insurance policy, you may wonder how to separate it after divorce and what impact it will have on your rates and coverage. In this article, we will explain how divorce affects your car insurance, how to separate your car insurance after divorce, and some tips for saving money on car insurance after divorce.

How Divorce Affects Your Car Insurance

Car insurance policies are often based on joint ownership, so divorce and car insurance can be tricky1Some car insurance companies will let you stay on mutual insurance until the renewal date, but others expect you to have separate policies once the divorce is finalized21You should not separate your insurance policies until you have separate residences, however3Once you have separate living arrangements, you should update the garaging addresses and commuting distance of all vehicles, and then get separate car insurance policies34.

Breaking up and obtaining separate car insurance policies may mean that you will lose discounts offered for households with multiple policies1Most insurers require married couples to share car insurance policies if all cars are kept at the same residence3So does being divorced affect your car insurance? That usually depends on where your cars are kept overnight, which likely aligns with your living arrangements3:

Divorce can also affect your car insurance rates in other ways. For example, if you have a lower credit score after divorce, you may pay higher premiums in some states1If you change your name after divorce, you need to update your driver’s license, registration, and title documents, as well as inform your insurer of the name change1If you have a teenager of driving age, they may need to be listed as drivers on both parents’ car insurance policies, if they regularly park cars overnight at both parents’ residences3.

How to Separate Your Car Insurance After Divorce

Separating your car insurance after divorce can be a hassle, but it is necessary to avoid legal and financial problems. Here are some steps you should take before and after the divorce is finalized:

Tips for Saving Money on Car Insurance After Divorce

Divorce can have a negative impact on your finances, so you may want to save money on car insurance after divorce. Here are some tips to help you lower your premiums and find discounts:

FAQs About Car Insurance and Divorce

Here are some common questions and answers about car insurance and divorce:


Car insurance is one of the many things that can be affected by divorce. If you and your spouse share a car insurance policy, you should know how to separate it after divorce and what impact it will have on your rates and coverage. You should contact your insurer as soon as you decide to separate or divorce and inform them of the situation. They will advise you on the best course of action depending on your state laws and policy terms. You should also compare quotes from different insurers and update your information with your insurer once you have separate policies. Finally, you should look for ways to save money on car insurance after divorce, such as bundling your policies, increasing your deductible, driving less, driving safely, and improving your credit. By following these tips, you can make the transition easier and protect yourself and your vehicle.

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