Can Husband And Wife Have Separate Auto Insurance? 
That is a great question ! You can , but there are usually circumstances that make it necessary for separate policies , since as a rule spouses are included as drivers on the single policy . It is easier for the insurer , and cheaper for you if you do . However , if a vehicle is used by one spouse strictly for business , and the other spouse is not a driver of that vehicle , it can happen that you have separate policies . If one spouse has a very poor driving record and has a last resort insurer it is also possible . If you just got married , and have n't yet consolidated the policies , it is also possible . I hope that helps - thanks for asking ! 