Can you put insurance only in your name on both vehicles if your spouse is a high risk driver?

The insurance companies I have dealt with always ask plainly who the regular drivers are. If you register yourself as the only driver and your spouse drives, the insurance company would not have to pay up if he or she has an accident. Read your policy carefully and contact your agent if you are not sure what the policy says.

Failing to schedule a regular driver is a well known type of Insurance Fraud. Any accident your spouse has would not be covered under your fraudulently obtained policy. Your spouse would basically be driving uninsured which is illegal, You would be comitting Insurance fraud, again illegal with a penalty in the U.S. of up to 20 years imprisonment.

Happy Motoring