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 1. Insurance
 2. Car
 3. Car insurance for married couples

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information on this site does not modify any insurance policy terms in any way.


CAR INSURANCE FOR MARRIED COUPLES


Written by
Cate Deventer
Written by Cate DeventerArrow Right Former Writer & Editor, Insurance
Cate Deventer is a writer, editor and insurance professional with over a decade
of experience in the insurance industry as a licensed insurance agent.
 * Connect with Cate Deventer on Twitter Twitter
 * Connect with Cate Deventer on LinkedIn Linkedin

Cate Deventer
+ 1 other Caret Down

Edited by
Mariah Posey
Edited by Mariah PoseyArrow Right Editor, Insurance

Mariah Posey is an auto and homeowners insurance writer and editor for
Bankrate.com. She aims to make the insurance journey as convenient as possible
by keeping the reader at the forefront of her mind in her work.

 * Connect with Mariah Posey on Twitter Twitter
 * Connect with Mariah Posey on LinkedIn Linkedin
 * Get in contact with Mariah Posey via Email Email

Mariah Posey

Edited by
Mariah Posey
Edited by Mariah PoseyArrow Right Editor, Insurance

Mariah Posey is an auto and homeowners insurance writer and editor for
Bankrate.com. She aims to make the insurance journey as convenient as possible
by keeping the reader at the forefront of her mind in her work.

 * Connect with Mariah Posey on Twitter Twitter
 * Connect with Mariah Posey on LinkedIn Linkedin
 * Get in contact with Mariah Posey via Email Email

Mariah Posey
Updated Mar 02, 2023
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insurance professionals on staff who have spent a combined 47 years in the auto,
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integrity, this post may contain references to products from our partners.
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ON THIS PAGE

 * Does being married get me better car insurance rates?
 * Do I have to add my spouse to my car insurance policy?
 * Marriage discounts
 * Should my spouse and I have separate policies?
 * Frequently asked questions

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Getting married is an exciting milestone for many, and a prime time to
reevaluate your insurance needs as many carriers require married couples to be
listed on the same policy. Between combining finances and possibly moving, your
car insurance needs are likely different than when you were single. Bankrate’s
study of average rates for married couples, and our detailed breakdown of why
your insurance company cares about your marital status, could help you save
money on your car insurance premium after tying the knot.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance
producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and
links that appear on this advertisement are from companies that compensate
Coverage.com in different ways. The compensation received and other factors,
such as your location, may impact what offers and links appear, and how, where
and in what order they appear. While we seek to provide a wide range of offers,
we do not include every product or service that may be available. Our goal is to
keep information accurate and timely, but some information may not be current.
Your actual offer from an advertiser may be different from the offer on this
advertisement. All offers are subject to additional terms and conditions.


COMPARE AUTO INSURANCE RATES

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services are only available in states where it is licensed. Coverage.com may not
offer insurance coverage in all states or scenarios. All insurance products are
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DOES BEING MARRIED GET ME BETTER CAR INSURANCE RATES?

On average, married couples have lower insurance rates than single drivers. This
is because, generally, insurance companies may view married couples as more
financially stable and less likely to experience accidents and file claims. 

The national annual average cost of car insurance is $2,014 for one driver,
whereas the average cost of car insurance for a married couple’s policy is
$1,898 for one vehicle. These rates are averages, and your individual premiums
depend on your personal rating factors, such as the vehicle you drive, your
driving record and your claims history. You may be able to find lower rates by
shopping around and comparing rates.

The table below illustrates the difference in average premiums between married
couples and singles from some of the best car insurance companies on the market.

Company Average annual full coverage premium for married drivers Average annual
full coverage premium for single drivers Amica $1,509 $1,467 Auto-Owners $1,366
$1,361 Erie $1,391 $1,356 Geico $1,317 $1,353 Nationwide $1,383 $1,422
Progressive $1,551 $1,642 State Farm $1,475 $1,480 Travelers $1,485 $1,551 USAA
$1,166 $1,361

Company Average annual full coverage premium for married drivers Average annual
full coverage premium for single drivers



 * RATES METHODOLOGY
   
   Caret Down
   
   Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP
   codes and carriers in all 50 states and Washington, D.C. Rates are weighted
   based on the population density in each geographic region. Quoted rates are
   based on a 40-year-old male and female driver with a clean driving record,
   good credit and the following full coverage limits:
   
    * $100,000 bodily injury liability per person
    * $300,000 bodily injury liability per accident
    * $50,000 property damage liability per accident
    * $100,000 uninsured motorist bodily injury per person
    * $300,000 uninsured motorist bodily injury per accident
    * $500 collision deductible
    * $500 comprehensive deductible
   
   These are sample rates and should only be used for comparative purposes.
   
   Status: Rates were evaluated based on the following marital/family status:
   single driver on a policy with one vehicle (base) and married drivers
   together on a policy with one vehicle. Marital status is not a rating factor
   in HI and MI.


DO I HAVE TO ADD MY SPOUSE TO MY CAR INSURANCE POLICY?

In many cases, car insurance companies require you to add your spouse to your
policy. For the most part, this could be a good thing — you may lower your
premium a bit and make it easier to handle your insurance by consolidating your
cars on one policy. However, if your spouse has a less-than-stellar driving
record, this could result in a premium increase.


NAMED DRIVER EXCLUSION

The general rule is that if a driver is living in the same household as you,
they need to be listed on your car insurance policy. Depending on your insurance
carrier, it may be possible for you to list your spouse as an excluded driver on
your car insurance policy. However, most companies do not allow spouses to be
excluded drivers.

If you do go this route, your spouse will not have coverage if they drive your
vehicle. If they get into an accident in your vehicle and they are listed as an
excluded driver, your insurance company will likely deny the claim.


MARRIAGE DISCOUNTS

Most companies offer a variety of car insurance discounts to help you save on
your premium. While there generally is not a specific “marriage discount,” you
may have access to discounts that you did not have access to before you were
married.

 * Multi-car discount: When adding your partner and their vehicle to your
   policy, you may be eligible for a multi-car discount.
 * Multi-policy discount: As newlyweds, you may also be moving in together ––
   whether renting or buying a home or condo –– and this could offer a chance to
   combine all of your insurance policies with one company, potentially leading
   to discounts.
 * Homeowner discount: Many newlyweds may either purchase a new home or move
   into a home together, which could qualify them for a homeowner discount with
   some auto insurers. A few major insurers, such as Liberty Mutual, Progressive
   and Travelers offer this discount. Married drivers may even be eligible for
   this discount even if their home is insured with another provider.


SHOULD MY SPOUSE AND I HAVE SEPARATE POLICIES?

It is unlikely that you will be able to get a car insurance policy separate from
your spouse, as marriage legally binds you with another person and insurers
generally require both individuals to be listed. However, there may be some
situations where a combined policy does not work for your situation. If you and
your spouse live in separate states or countries, for example, you can speak
with your insurance company to talk through your options.


FREQUENTLY ASKED QUESTIONS


 * HOW DO I ADD MY SPOUSE TO MY CAR INSURANCE?
   
   Caret Down
   
   You can add your spouse to your car insurance policy as soon as you’re
   married, and potentially beforehand. Some insurers also recognize engagement
   and common law marriage when applying a married discount to your policy, so
   you may want to contact your insurer even before you are married to see how
   your soon-to-be spouse should be listed on your policy. When deciding which
   car insurance policy to keep, you may want to get quotes.


 * WOULD IT BE CHEAPER TO KEEP YOUR POLICY OR YOUR PARTNER’S POLICY?
   
   Caret Down
   
   Once you’ve decided which car insurance policy to keep, you can add your
   spouse as a driver on your policy. It does not matter which driver is listed
   first.


 * CAN YOU COMBINE CAR INSURANCE POLICIES IF YOU ARE NOT MARRIED?
   
   Caret Down
   
   Many auto insurers allow you to share a policy as long as each vehicle is
   kept at the same household overnight. That means, in many cases, you can
   share a car insurance policy with drivers who aren’t part of your immediate
   family — although you may not always be able to share a policy with
   roommates. 
   
   For example, many carriers recognize common-law marriages, which means car
   insurance will work the same way as a traditional married couple. Some
   insurers will even allow policyholders to combine policies and apply the
   married discount, if couples are engaged.

Written by
Cate Deventer
Former Writer & Editor, Insurance
Twitter Linkedin
Read more from Cate
Cate Deventer is a writer, editor and insurance professional with over a decade
of experience in the insurance industry as a licensed insurance agent.
Edited by
Mariah Posey
Edited by Mariah PoseyArrow Right Editor, Insurance

Mariah Posey is an auto and homeowners insurance writer and editor for
Bankrate.com. She aims to make the insurance journey as convenient as possible
by keeping the reader at the forefront of her mind in her work.

 * Connect with Mariah Posey on Twitter Twitter
 * Connect with Mariah Posey on LinkedIn Linkedin
 * Get in contact with Mariah Posey via Email Email

Mariah Posey
Editor, Insurance
Twitter Linkedin Email


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services are only available in states where it is licensed. Coverage.com may not
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governed by the terms in the applicable insurance policy, and all related
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policy obligations are the sole responsibility of the underwriting insurer. The
information on this site does not modify any insurance policy terms in any way.


ON THIS PAGE

 * Does being married get me better car insurance rates?
 * Do I have to add my spouse to my car insurance policy?
 * Marriage discounts
 * Should my spouse and I have separate policies?
 * Frequently asked questions

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