Car Insurance for Families

Find affordable, high-quality auto insurance coverage for your family's car.

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What is the best car insurance for families?


Car insurance modeled to fit you and your vehicle. Auto insurance for a family can be dynamic — and potentially expensive — so it's important to stay in the loop on the best ways to save. Whether you're getting married, buying a house, or adding teen drivers to your policy, every step on your family's path can have auto insurance rate ramifications.

Let's assess the best ways to find affordable auto insurance for your family. 

Family car insurance — table of contents:



Auto insurance for young families

Marriage is a major milestone, both personally and for car insurance. Married couples sharing an auto insurance policy are considered stable insurance customers and are rewarded with lower premiums. Controlling for other pricing variables, married drivers save 6% on car insurance.


Marital Status

Average Monthly Car Insurance Rate









If you and your spouse are homeowners, you can expect to save an extra 2% on your auto insurance policy. Homeowners are seen as less likely to file a claim than renters — and when they do file claims, the payouts tend to be less costly. 

If you bundle your home and auto policies with the same insurance company, you can look forward to approximately 10% in savings.


Homeownership Status

Average Monthly Car Insurance Rate



Condo Owner




Renter w/ Multi-Policy Discount


Condo Owner w/ Multi-Policy Discount


Homeowner w/ Multi-Policy Discount


Married homeowners enjoy some impressive car insurance savings. But once the children hit driving age, insurance costs tend to rise.

Learn more about auto insurance for married drivers.


Car insurance for parents with teen drivers

Insurance for teen drivers is very expensive. We pulled rates from five popular insurance companies to determine which company is the cheapest for a family with a teen driver. Based on our most recent study, Nationwide was the cheapest company for a family insuring a teen driver (methodology).


Car Insurance Provider (alphabetical order)

Average Monthly Rate











State Farm





Adding a teen driver to your insurance policy can increase your premium by nearly $4,000 per year. If you have multiple driving-aged children, you can expect the increase to be even greater. So, what comes next? Begin your search for auto insurance with GEICO, Nationwide and State Farm before searching elsewhere. 

Learn more about auto insurance rates for teen drivers:


Family car insurance discounts 


Good student discount

This discount is straightforward. Insurance companies view students with a GPA of 3.0 or better as safer drivers, rewarding them with lower premiums. Most insurance companies require an up-to-date transcript every policy period as proof. Discount amounts vary by company.


Defensive driver discount

Taking a safe driving course — approved by your insurance company — can earn you a discount. Regardless of whether your insurance company provides a defensive driving discount, it’s probably a good idea for a teen driver. The discount amount will vary by company.


Good driver discount

This discount is automatically added to your policy if you have a claim-free history. Help your teen keep a clean driving record — no citations, tickets, or at-fault accidents — in order to receive this discount. The discount amount often varies by company.


Choose the right vehicle

Don’t let your 16-year-old drive your brand new truck. Teens are historically bad drivers so it’s in your best interest to have them drive a less expensive vehicle such as a used sedan, rather than a car that will fetch a higher insurance premium. Learn more about auto insurance for teens.


Car insurance for families: FAQs


Do car insurance rates go down when you have a baby?

No, car insurance rates do not go down after a driver has a child. New parents seeking savings should look into other common auto insurance discounts.

Does car insurance get cheaper after you buy a home?

Auto insurance companies do typically price policies more favorably for homeowners and condo owners than for renters. If you've recently purchased a home, it could be worth comparing auto insurance to find a new policy. Better yet, explore bundling your home and auto insurance policies.

Compare auto insurance companies and find the right policy for your family.

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$355 dollar of damage and $250 deductible should I file a claim

I would pay out of pocket. The rate increase from an at fault accident against her would increase her rates for 3 years.
May 11, 2018 Council Bluffs, IA

Does USAA membership extend to grandchildren

From my knowledge, your parent's would also have to be members in order for you to qualify. But, as I'm not an agent for USAA, I would call them and speak to an insurance agent directly.
Jun 4, 2018 San Antonio, TX

Is it possible for a family member to register and insure my car if I'm no longer driving?

That shouldn't be an issue, however she would need to insure the vehicle before she attempts to get tags. I believe you will first have to return your tags to the state and then she can start the process.
Apr 24, 2017 Vineland, NJ

Can my license be suspended if my son wrecked my car without insurance?

Sorry to hear about the situation. I cannot give you a definitive answer as it sounds like this situation will be determined in the courts.
Dec 17, 2019 Anderson, SC

Ava Lynch photo
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.