We solved the insurance points issue by insuring everything our name as a married couple, but listing Brad as the primary driver on everything. So, our rates stay low, despite the fact that I have gotten 3 speeding tickets in the last 18 months. The reason behind putting my name on there too is so we can get the "married couple" discount that seems to disappear even if you remain married but only list one person on the policy.
So, WE own the cars, but HE is the only one who drives them per the insurance company's records. The agent set this up to save us money and it works. He is in "elite" status (has been since he was 23 b/c of his clean record) but I have been naughty and have had accidents and tickets and all that, so my driving record would knock us out of "elite" status if we listed me as a primary driver on anything.
Something to consider. But we also have a small, private insurer (Grinnell Auto) whereas USAA and Nationwide are national and are probably too quick to allow something like this to work, but it's worth a shot.