Can you live in two separate households and share auto insurance?

Answer 1

The question is not altogether clear.

However, if you are asking whether two people, living separately, can insure the same car for physical damage protection, they can provided that each has an insurable interest in it. An insurable interest is a "stake" in the vehicle's continued existence and physical condition. Keep in mind though, that one of the factors that an insurer will consider in establishing the premium is where the vehicle is primarily kept. Therefore, that location will have to be clearly disclosed, and if it changes, the insurer notified.

As to liability insurance, two people can be insured to operate the same vehicle. Both have to be named on the policy as insureds. The premium will be a function of age, usage of the car, driving history, and other factors.