can have two separate insurances on two cars

[ZoeyRose]

Yes, you can absolutely have two separate insurance policies on two cars. In fact, this is a common and perfectly legal practice. However, for most multi-car households, insuring both vehicles on a single policy is the standard and almost always more cost-effective approach. The primary reason is the multi-car discount, which can significantly reduce your premiums. Insuring two cars separately means you’re likely paying more for the same coverage and managing two separate bills.

The decision often comes down to your specific circumstances. A single policy simplifies management and maximizes discounts. But separate policies might be necessary or beneficial in situations like having a young driver on one car (to avoid skyrocketing the premium for both vehicles), if the cars have vastly different usage patterns (a daily commuter vs. a seasonal classic car), or if the vehicles are owned by different members of the household.

Here’s a quick comparison of typical scenarios:

Scenario	Recommended Approach	Key Reason
Two cars, one household	Single Policy	Maximizes multi-car discount (often 10-25% off).
Teen driver on one car	Separate Policies	May isolate high-risk driver's premium.
Primary car + Classic car	Separate Policies	Classic car requires specialized, often cheaper, coverage.
Cars owned by different people	Separate Policies	Simplifies ownership and liability assignment.
One car used for business	Separate Policies	Requires a commercial policy; keeps personal policy clean.

Before deciding, get quotes for both a single multi-car policy and two separate policies from the same insurer. You might be surprised by the savings of bundling. Just remember, if you choose separate policies, you must maintain the state-required minimum liability coverage on each one individually.

[DelJuliette]

From a purely financial standpoint, putting both cars on one policy is almost always the smarter move. You're leaving money on the table with two separate policies because you miss out on the multi-car discount. I'd only consider splitting them if there's a major reason, like a teen driver with a bad record on one car that would otherwise make the premium for both vehicles unaffordable. Otherwise, bundle up and save.

[OAdriana]

Think about the hassle factor. One policy means one renewal date, one bill to pay, and one point of contact if you ever need to make a claim. Managing two separate policies is just more admin work. It’s easy to mix up details or miss a payment. For simplicity’s sake, a single policy is the way to go for two cars under the same roof, unless you have a very specific reason to keep them apart.

[DeThomas]

It's totally doable, but you need to be careful. The insurance company isn't going to stop you, but they will check things like garaging addresses and primary drivers. If you try to get two policies by saying each car is your "primary" vehicle, that could be seen as misrepresentation. Be upfront with the insurers about the situation. Honesty is the best policy to avoid having a claim denied later on down the road.