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How does your relationship status affect auto insurance rates?

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 $149 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.

Average Annual Premium by Marital Status
Marital Status Avg. Annual Premium
Single $1,760
Divorced $1,759
Widowed $1,665
Married $1,611
Updated: 09/22/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Do married couples pay less for car insurance?

The average married couple pays $134 per month for car insurance — or $805 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 that 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:

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How much do single drivers pay for car insurance?

The average single driver in the US pays $1,760 per year for car insurance — about $880 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.


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How does car insurance change after a divorce?

The average divorced driver in the US pays $1,759 per year for car insurance. This is $148 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 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.

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Car insurance for widowed drivers

There is the least premium difference between married drivers and widowed drivers. On average, widowers pay $1,665 per year for car insurance — $54 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 death of an insurance policyholder comes with some implications.  Reference our guide to finding free online insurance quotes and handling insurance changes after the death of a spouse.


RECENT QUESTIONS

Do I have to list my spouse on my policy even if we are separated?

Depending on the state you live in, some carriers will ask that you list a legal spouse on the policy, even if you are separated. Others will allow you to exclude a spouse from your policy completely.
Nov 9, 2020 Fort Pierce, FL

How much could my rate go up after a small fender bender?

Page 58 of our State of Car Insurance Report shows that an accident in California has an average impact of an additional $899 in premium per year. These numbers are averages and there are other factors at play, but that should provide a ballpark figure as to what you can expect.
Nov 8, 2016 Sherman Oaks, CA

Can my fiancé and I share an insurance policy?

Thank you for reaching out to us here at The Zebra. You can call our agency at 888-444-8949 to speak to one of our Licensed Insurance Advisors.
Jul 22, 2022 Birmingham, AL

Do adult children have to be added to a policy when occasionally driving a parent's car if they have their own policy?

They would only need to be listed as drivers if they live in your household and/or drive the truck on a "regular" basis. Most companies consider "regular" use as 12 times or more per year.
Jul 5, 2017 Denver, CO

Ava Lynch photo
Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

About The Zebra

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.