Can you have two car insurance policies?

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Here's what you need to know...

  • It is not illegal to take out two insurance policies on the same car
  • Insurance companies generally have policies discouraging the practice of double insuring a vehicle
  • Making two claims with two different insurance companies for the same accident may be considered insurance fraud
  • Find an insurance policy that will affordably insure all the drivers of the vehicle by using a comparison tool

Most everyone knows that you have to have car insurance in order to legally drive a car. If you are caught driving without insurance, you could face heavy fines, court costs, and even jail time.

To ensure you are protected, you may consider taking out two car insurance policies for the same car.

You may also have the same car insured twice if you and a roommate both drive the car but want different levels of coverage. This may lead to confusion if the vehicle is involved in an accident.

To simplify things, you may want to use a comparison tool to find a car insurance policy that adequately covers you and any other drivers who regularly drive the vehicle.

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The Legality of Having a Car Insured Twice

It is legal to have two car insurance policies on the same vehicle.

However, one insurance company will not insure the same car twice. You will have to purchase a second insurance policy with a different insurance carrier and pay both bills.

If you choose to double-insure your car, you may be violating the policies of one or both insurance carriers.

When you register your vehicle or when the DMV is notified of your insurance policy, they may alert both your insurance companies, which could cause you problems.

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Car Insurance Double-Dipping

The primary reason most states and insurance companies disapprove of multiple car insurance policies on one car is because of double-dipping.

In the insurance world, double-dipping is called unjust enrichment. This occurs when you get into a car accident and file claims with both of your insurance companies in an attempt to give yourself a financial windfall.

If both of your car insurance claims are approved, you would get twice the money for the accident that you would normally receive.

Once you have the checks, you decide to repair your vehicle with the first settlement and keep the second for your own financial gain. This is absolutely illegal and constitutes insurance fraud. You may even be charged with a felony.

Reasons Drivers Consider Two Insurance Policies


There are several reasons that drivers use when they insure the same car with two different insurance companies. For example, they want to make sure they have adequate coverage in the event of an accident.

In addition, individuals who drive the car may have different coverage amounts. Lastly, one of the drivers listed may be considered a high-risk driver and this would cause a massive increase in the monthly premium.

Instead of taking out two insurance policies on the same car, which would be a waste of money in most instances, explore your options.

If the other driver has a clean driving record and zero accidents within the last three to five years, consider adding them to your policy as a driver of the vehicle.

If the other driver is a high-risk driver, or you both want different insurance coverages because of the costs, consider using a comparison tool to find a policy that you can both afford.

A car insurance comparison tool will allow you to input the information for all of the drivers for the vehicle and the vehicle’s information. The tool will then compare your information and car insurance desires with all of the available policies.

This means that you can find a policy that you can both afford with your desired coverage amounts, which would be cheaper and safer than trying to insure the same vehicle twice.

Enter your zip code below to begin comparing coverages and rates!

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