Car Insurance Rates By Marital/Familial Status
Why do married drivers pay less for car insurance?
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 $194 less per year for car insurance than does a single driver. Let’s explore car insurance rates by marital status and tips to save, no matter your marital status.
Updating data...
| Marital Status | Avg. 6 Mo. Premium |
|---|---|
| Divorced | $1,148 |
| Single | $1,148 |
| Widowed | $1,084 |
| Married | $1,051 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Do married couples pay less for car insurance?
The average married couple pays $175 per month for car insurance — or $1,051 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:
How much do single drivers pay for car insurance?
The average single driver in the US pays $1,148 for a standard six-month auto insurance 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 $1,128 per 6 months of car insurance. This is $97 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.
Car insurance for widowed drivers
There is the least premium difference between married drivers and widowed drivers. On average, widowers pay $1,084 for a six moth car insurance policy — $33 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.
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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 editorial 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.