UPDATED: Aug 10, 2020
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Divorce can be a tragic and painful time in your life. But in the midst of separating your financial assets from those of your (now former) spouse, your auto insurance policy will likely become an issue of contention. After all, combining car insurance after marriage usually lowers rates, so ending a marriage may cause your auto insurance rates to rise.
You should know how divorce can affect your car insurance, and be careful to minimize the impact as much as possible. This is especially true if you two are on the same policy together, or if you have other family members (such as your children) on the family policy as well.
If you need to get a new auto insurance policy, you can use our FREE search tool to find the cheapest car insurance after your divorce.
Divorce will impact every part of your auto insurance:
- Divorce Can Affect Your Car Insurance Policy (being married typically lowers your rates)
- Divorce Can Affect Your Car Insurance Claims (Did you spouse handle the claims? Familiarize yourself with the process)
- Divorce Can Affect Your Car Insurance Company (Your current company may not offer the best policy options for your)
- Divorce Can Affect Your Car Insurance Premium (Your policy premium may increase)
- Divorce Can Affect Your Car Insurance Coverage (Your coverage needs will certainly change)
- Divorce Can Affect Your Car Insurance Rates (Your monthly rates will be affected by everything we mentioned above).
Car Insurance Rates for Divorced Parents – Cutting Financial Ties
Sometimes couples can get lucky and, even though their romantic and legal partnership is at an end, they can remain partners on their car insurance policy. Even amicable divorces can be expensive, and saving at least some money on your automotive insurance policy can help.
But in most cases, divorcing your spouse will leave you looking for your own individual vehicle insurance. Thankfully, however, your divorce is one of the last factors that your new insurance agent will be concerned with when the two of you sit down to underwrite a policy. Your insurance company will first and foremost be concerned with:
- Total miles driven annually – the more time you spend on the road, the more likely accidents will become
- Accident History – are you a safe driver? Or have you had several accidents in recent years?
- How long you’ve been driving – more driving experience means less risk of accidents
- Credit Score – are you as responsible behind the wheel as you are paying your bills?
Auto Insurance for Divorced Spouses – Covering Your Bases
If you are the one moving out of your family home, then your auto policy will depend greatly on whether or not your current policy will be in the same zip code as your new policy. And you can use our handy quote generator below to find out which zip codes near you offer lower car insurance rates for divorced women online.