For most couples, yes. Spouses should usually have their auto insurance on the same policy. There are occasional situations where separate policies make sense, but for most households one policy is the better choice.

For most couples, yes. Spouses should usually have their auto insurance on the same policy. There are occasional situations where separate policies make sense, but for most households one policy is the better choice.

Why combining usually makes sense

When you live together, you likely drive each other’s cars. One policy lists both of you as drivers, applies multi-car discounts and gives you one renewal to review. Carriers also generally expect licensed drivers in the household to be listed on the policy.

When separate policies might be considered

Occasionally, a driving record, a specialty vehicle or a recent claim makes separate policies worth pricing. In those cases an agent should quote both options before you decide.

How Hicks Insurance can help

Hicks Insurance can quote your vehicles together and separately so you can see which costs less for your household. Learn more about auto insurance.