Car Insurance after Divorce: What to Know

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.

Cheapest Car Insurance Companies for Single People

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.

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.

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.

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.

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.