Why do married drivers pay less for car insurance?
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Your personal relationship status does have an impact on what you pay for car insurance. Because married drivers are seen as more financially stable and safer drivers, they typically pay less for car insurance. On average, a married driver pays $96 less per year for car insurance than does a single, widowed or divorced driver. Let’s explore car insurance rates by marital status and tips to save, no matter your marital status.
The average married couple pays $116 per month for car insurance — or $694 for a standard six-month policy. This rate is relatively reasonable because data paint married drivers as "safe" insurance clients. Married people are often homeowners and will bundle their policies, cover multiple vehicles and insure more than one driver on one policy, i.e., the policyholder and their spouse.
Data show married couples file fewer claims than single, divorced or widowed drivers. These factors contribute to their classification as less-risky insurance clients.
For more information on car insurance for married couples, including company specific-rates, consult our resources:
The average single driver in the US pays $1,484 per year for car insurance — about $742 for a standard six-month policy. Depending on your age, credit score, driving history and vehicle, your premium may differ, as this data is based on a national average (methodology).
For more information regarding car insurance as a single driver, see our articles below.
The average divorced driver in the US pays $1,486 per year for car insurance. This is $99 more than a married driver. It’s important to consider that you’re not being punished for being divorced. This is simply a reflection of historical data and statistical correlation. Divorced drivers file more claims than do married drivers. Thus, their premiums are slightly higher than married drivers.
However, there are some ways to lower your premium after a divorce. Check out our guide to see tips on how to handle your policy.
There is the least premium difference between married drivers and widowed drivers. On average, widowers pay $1,437 per year for car insurance — $50 more than a married driver. Like other marital statuses, this has to do with the risk profile of a widowed client. While not as risky as a divorced or single driver, a widowed driver is statistically more likely to get into an accident and file a claim than a married driver. Thus, the more expensive premium.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.