Can getting a divorce impact your car insurance rates?

I'm in the process of getting divorced and will have to switch over my car insurance. Will my insurance rates be higher because I'm divorced?

Answer
“While car insurance companies use marital status when determining rates for customers, simply being divorced won’t increase your rate.
What could increase your rate when switching to your own car insurance policy is your:
  • Driving record
  • Credit report
  • Claims history
When multiple people are on a car insurance policy, companies look at their records to determine rates. For example, if your former spouse had a better driving record than you, your rate was likely lower while on a policy with them. Now that you are switching to your own policy, you could have a higher rate as there is no longer a good driver on the policy. The same would be true for credit history or the area where you live.
If you notice an increase in your rate after switching to your own policy, be sure to shop around with Jerry. You may be able to find more affordable coverage with another company.”
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Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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