D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Sep 29, 2021

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Just the Basics

  • Although it isn’t illegal to have multiple policies on one vehicle, it can lead to headaches
  • You can only file a claim with one car insurance company even if you have multiple policies
  • Not only will you have to pay for two policies, but both policies will go up if you have an accident

Drivers know that having the right coverage is very important. You want to know that your car insurance will protect you when you need it.

But, how much car insurance do I need for my car? Is it bad to be double-covered on car insurance? While having more than one policy isn’t necessarily bad, it’s generally not needed.

Shop around and compare coverage from multiple companies to find the coverage you need all in one place.

Although it’s not bad to be double-covered on car insurance, enter your ZIP code now to compare free quotes from car insurance companies that can meet your needs with just one policy.

Can you have two car insurance policies on the same vehicle?

It might surprise you to learn that it’s legal to double cover your vehicle. However, your insurer may have a clause in your policy that doesn’t allow you to insure the same car twice.

While it’s legal, it’s probably not necessary to carry two car insurance policies on the same vehicle.

Do I have enough accident coverage? If that is your concern, you probably need to rethink the policy you have in place. You should be able to get the coverage you need with just one policy.

If you live with a spouse or significant other, they can easily be added to your policy. With many car insurance companies, you can get a discount for having multiple drivers on your policy.

If your significant other doesn’t live with you, they should also be covered under a permissive use clause, meaning they have your permission to occasionally use your car.

Can I have two insurance policies on two different cars? Yes, that is always an option. However, you can get a car insurance discount for multiple cars on one policy.

If you have a luxury, custom, or classic car, your traditional car insurance company may not offer the coverage you need. In that case, having two policies through two different companies may work best.

Can you have two car insurance policies in your name? Again, the answer is yes, but you might miss out on some discounts.

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What are the advantages and disadvantages of being double-covered on car insurance?

There are pros and cons to being double-covered on car insurance.

Reasons you might want to consider being double-covered are:

  • You have a luxury, custom, or classic car that your typical car insurance policy wouldn’t cover fully
  • Your spouse or significant other has a poor driving history, bad credit, or other reasons that would increase your rates

Cons of having multiple car insurance policies on the same vehicle include:

  • You will be paying double for coverage and both policies will raise rates if a claim is filed
  • Your car insurance company may have a clause in your policy that doesn’t allow it
  • Multiple companies may fight over which one pays a claim, delaying payment
  • You can only file a claim with one of the companies

If you file a claim with both car insurance companies, you are committing insurance fraud. According to the Insurance Information Institute, fraud includes inflating claims and misrepresenting facts.

Some drivers wind up with double coverage because they forgot when their old policy expired and started a new one early. Make sure you are fully aware of when your policy expires to avoid overlap.

Is it bad to be double-covered on car insurance? The Bottom Line

Although having more than one car insurance policy on your vehicle isn’t illegal, it is probably unnecessary. If you aren’t careful, it can lead to insurance fraud in addition to higher rates.

Instead of carrying multiple policies, shop around to find the coverage you need in one place. Compare rates and coverages from multiple companies to find the coverage you need with low rates.

While it isn’t bad to be double-covered on car insurance, you can compare free quotes from car insurance companies that can meet your coverage needs by entering your ZIP code now.