Can Husband And Wife Have Separate Auto Insurance? 
Auto insurance follows the car . The car is assigned to a household -LRB- address . -RRB- All the drivers in the household are considered when the insurance company issues the policy . Technically this would mean that a husband and wife living in the same household could not have separate policies . It does happen particularly when one has a very bad driving record and the preferred company refuses to insure that driver . Other substandard insurance companies will cover the driver in which case you have husbands and wives insured separately with different companies . The driver with the bad record is probably excluded from the car assigned to the driver with a good record . 