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Car Insurance after Divorce: What to Know
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Divorce is hard enough to deal with, from figuring out child support and alimony during the divorce settlement to splitting your assets with your former spouse. But did you know being divorced affects your car insurance, too?
When you’re working through your divorce agreement, separating your car insurance coverage into separate policies is probably the last thing on your mind. However, it’s important to take care of it quickly so you both can go your separate ways. Both of you can use Insurify to compare car insurance rates and find the best car insurance for your new life.
Quick Facts
The cheapest insurer we found for single drivers is USH&C, with average monthly premiums of $114.
Married couples tend to get cheaper auto insurance rates, and a driver’s rates may increase following a divorce.
Divorced couples should get separate car insurance policies once they no longer live at the same address.
Table of contents
- Cheapest Car Insurance Companies for Single People
- Can I remove my spouse from my car insurance policy?
- Car Insurance Requirements After Divorce
- Tips for Cheaper Car Insurance After Divorce
- Cheapest States for Car Insurance for Divorced People
- Divorced Drivers Can Still Save on Car Insurance
- Frequently Asked Questions
Cheapest Car Insurance Companies for Single People
Will getting divorced affect car insurance rates?
Car insurance costs might be affected by divorce because both parties will lose the married couples discount, which usually saves couples between 5 percent and 15 percent on auto insurance policies. However, divorced people can save by taking advantage of other discounts that car insurance providers offer.
As you probably know, married couples usually get cheaper rates. They also tend to qualify for multi-car discounts for insuring multiple cars under a joint policy. The odds are that you will pay higher insurance premiums after your divorce when you have to switch to a separate car insurance plan.
On the other hand, if your spouse had a poor driving record and your driving history is mostly clean, you may actually save money. We found these affordable car insurance quotes for single drivers.
| Insurance Company | Monthly Quote for Single Drivers |
|---|---|
| Amigo USA | $117 |
| Travelers | $154 |
| Clearcover | $165 |
| Elephant | $166 |
| National General | $166 |
| AssuranceAmerica | $171 |
| Nationwide | $188 |
| Kemper | $221 |
| Bristol West | $232 |
| Mercury | $234 |
| Dairyland | $238 |
| Liberty Mutual | $250 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Can I remove my spouse from my car insurance policy?
Yes, you can remove anyone from your auto policy as long as you’re the primary named insured driver. Send a removal request to your car insurance company to have your spouse removed from your current policy. Then, your spouse has to provide written consent to be removed.
If you are the spouse being removed from the plan, make sure you have another policy lined up that starts right after your existing policy is terminated. That way, you can make sure you’re not uninsured for any period of time.
See More: Best Car Insurance Companies
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Car Insurance Requirements After Divorce
There are a few things to know about buying car insurance after you get divorced. First, either you or your ex-spouse has to get a new policy. You should make sure your name is on the vehicle titles of whichever vehicles you’re insuring. Decide as part of the divorce decree who will keep each car, and then make sure your name is the only one on the title.
As with the policy you held while you were married, make sure you have a policy that meets at least the minimum requirements for car insurance in your state.
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Tips for Cheaper Car Insurance After Divorce
Divorce can be expensive, and you’ll no longer be pooling income with another person, so it’s understandable that many divorced people are looking to save money wherever they can. Try these tips for cutting costs on car insurance after your divorce.
Bundle Your Insurance Policies
One easy way to save money on insurance is to bundle your policies together. If you’re keeping your house or buying a new one, you can combine your auto and home insurance together. Likewise with a life insurance policy or renters insurance if you’re moving into an apartment or rented house. Once you’ve made these kinds of insurance decisions, you can see who offers the best rates for bundling different plans together.
Insure Your Teen Drivers
If you have young drivers in the family, you need to determine how to insure them. Typically, the parent with primary custody buys insurance. However, if the divorced parents have a joint custody agreement that has the teen driver splitting their living (and driving) time equally between two households, then both parents should put the teen driver on their auto insurance policies.
Revisit Coverage Types
Do you drive an older car? It might make sense to drop collision coverage and step away from full-coverage car insurance. Even if the car is in great condition, you won’t receive more than its Blue Book value to cover its loss if you totaled it. This can help lower the cost of your policy.
Shop Around for Car Insurance
Compare quotes from lots of insurers to find the plan that works best for you. Insurify gathers dozens of quotes from all the top insurance companies so you can find a plan that fits your new life.
Cheapest States for Car Insurance for Divorced People
Some states are cheaper than others when it comes to insuring divorced people. Here are the cheapest insurance quotes we found for single drivers.
| State | Monthly Quote for a Single Driver |
|---|---|
| Hawaii | $105 |
| North Carolina | $129 |
| New Hampshire | $132 |
| Maine | $132 |
| Idaho | $134 |
| Vermont | $139 |
| Indiana | $139 |
| Ohio | $143 |
| South Carolina | $145 |
| North Dakota | $147 |
| Wyoming | $147 |
| Iowa | $150 |
| Wisconsin | $150 |
| Montana | $151 |
| Illinois | $154 |
| New Mexico | $154 |
| Tennessee | $160 |
| Massachusetts | $164 |
| Utah | $165 |
| Alaska | $166 |
| Minnesota | $166 |
| Nebraska | $171 |
| Oregon | $174 |
| Alabama | $174 |
| Pennsylvania | $174 |
| Oklahoma | $178 |
| Kansas | $179 |
| Virginia | $184 |
| Arkansas | $190 |
| West Virginia | $193 |
| Mississippi | $199 |
| Arizona | $200 |
| Washington | $213 |
| California | $214 |
| Colorado | $228 |
| Missouri | $230 |
| Washington, D.C. | $236 |
| Texas | $239 |
| Kentucky | $256 |
| Connecticut | $269 |
| South Carolina | $269 |
| New Jersey | $272 |
| Florida | $278 |
| Maryland | $283 |
| Delaware | $297 |
| Georgia | $299 |
| Nevada | $299 |
| Rhode Island | $311 |
| Louisiana | $325 |
| New York | $356 |
| Michigan | $383 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Divorced Drivers Can Still Save on Car Insurance
You can still save money on car insurance even if you’re divorced. Explore all your options with Insurify, which makes the process of car insurance comparison easy and painless by bringing you quotes from all the best insurers. Just put in a little information about yourself and get all the information you need on coverage, deductibles, and ratings.
Frequently Asked Questions
How much do car insurance rates increase after a divorce?
Many companies offer a discount to married couples of 5 to 15 percent, so losing that discount will make your rates increase. You may also lose out on helpful multi-car and multi-policy discounts.
Why are car insurance rates higher for single people than married couples?
Divorced drivers are often considered to be higher-risk drivers than married drivers. However, some states don’t allow insurers to consider marital status in their rating plans, and others limit how much an insurer can consider marital status. Ask your insurance agent how marital status affects auto insurance coverage rates in your state.
How do I get cheap car insurance rates after a divorce?
Comparing quotes from different insurers is the best thing you can do to keep your rates down. Use Insurify to view dozens of quotes from top insurers with just a few minutes of research.
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Methodology
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
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