Change isn't Always Negative we can help there is a positive future ahead
Change isn't Always Negative, we can help you move on there is a positive future ahead
By: Sampair Group

How Divorce Will Affect Your Car Insurance Rates (Part 1)

Surprise divorce law

Divorce is an event in life that changes almost everything about how you live, whether it be personally or financially. Before your divorce, it is important to educate yourself on how divorce will impact your life, health, and auto insurance policies.

After a divorce, car insurance rates will usually increase about 1 to 1.5 percent. If you and your spouse had two separate car insurance policies, then there isn’t a lot of impact that is going to happen to your rates. However, if your car insurance policy was held jointly, there are certain things that must be taken care of in order to separate the policies and ensure that all assets jointly held are taken care of and divided fairly.

If the car insurance policy is jointly held, you cannot simply remove your spouse’s name from it without his/her consent.

If you and your spouse are still living at the same address after the divorce is finalized, the liability on the car insurance policy is still shared. One name can only be removed if each spouse is living at a different address than the other.

Either person on the insurance policy must get a new car insurance policy. This should be done immediately but before they are removed from the former insurance policy to ensure that there is not a gap in coverage.

Your credit information could also be impacted through your car insurance policies after a divorce. Car insurance companies will usually use credit score and history to determine rates. How you and your now-former spouse established credit could result in your rates rising or falling after the divorce is final. If joint credit was established, the rates would stay the same. If you and your spouse had separate accounts, your spouse’s credit habits will not longer impact your credit information, which could make a difference in your auto policy, depending on who was listed first on the policy.

For more information on how divorce can impact your auto insurance coverage and policies, visit for assistance from our Surprise divorce attorneys at The Sampair Group.