Car Insurance Rates By Marital/Familial Status

Why do married drivers pay less for car insurance?

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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 lessfor 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.

  1. Average car insurance cost for married couples
  2. Average car insurance cost for a single driver
  3. Divorce and car insurance
  4. Car insurance after widowed

 

Do married couples pay less for car insurance?

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:

 

How much do single drivers pay for car insurance?

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.

 

How does car insurance change after a divorce?

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.

 

Car insurance for widowed drivers

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 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.

Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as 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.