Best Car Insurance for Families

Find affordable, high-quality auto insurance coverage for your family 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 save on auto insurance for a family. 

Family car insurance:
  1. Young families
  2. Families with kids
  3. Insuring a teen driver
  4. Money-saving tips and tricks
  5. Summary




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. All other variables constant, married couples save nearly 6% on car insurance annually.

Marital Status

Average 6-month premium

Single

$662

Married

$625

Divorced

$660

Widowed

$649


If you and your spouse are homeowners, you can expect some additional savings. 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 nearly 10% in annual savings.

Homeowner status

Average 6-month premium

Renter

$662

Homeowner

$646

Renter w/ Multi-Policy

$625

Homeowner w/ Multi-Policy

$591


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

Learn more about auto insurance for married drivers.

 

Auto insurance after having kids

Unless your child is driving, your rate won't experience an immediate impact after childbirth. If you’re a young family that upgrades from a coupe or sedan to a larger vehicle, your insurance rates could shift.

Vehicle type

Average 6-month premium

Sedan: Chevrolet Cruze

$688

SUV: Honda CR-V

$616

Van: Honda Odyssey

$630

Luxury: Acura RDX

$715

 

For the most popular vehicles in the US, moving from a sedan to a van can actually save you an average of $116 annually — or $144, if you choose a van.

Learn more about car insurance for new parents.

 

Car insurance for parents with teen drivers

Insurance for teen drivers is very expensive. We pulled rates from five popular American insurance companies to determine which company is the cheapest for a family with a teen driver. GEICO is the cheapest company for a family insuring a teen (methodology).

Car Insurance Provider

Average 6-month premium

State Farm

$2,482.50

Allstate

$1,716.00

GEICO

$819.00

Progressive

$989.00

Liberty Mutual

$1,376.50

 

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 and Progressive while still searching elsewhere. 

Learn more about auto insurance rates by age for teen drivers:

 

How to save on car insurance for families

Good Student Discount

This discount is pretty straightforward. Insurance companies see 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.

 

Average Savings: Good Student and Good Driver Discounts

Average Teen

Average Male Teen

Average Female Teen

$283

$360

$207

 

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 the 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 or SUV than something that will require in a higher premium. Learn more about auto insurance for teens.

 

What's next?

Your car insurance changes as you do. Consider any life-changing event an opportunity to examine your insurance needs. Getting married, buying a home, having children, and adding your teen drivers to your policy are major personal and insurance milestones. Start by assessing rates from GEICO and Progressive before shopping around with as many insurance companies as possible to ensure you find the best coverage at the most affordable cost.



Compare insurance companies now!

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Recent Questions:

Best Car Insurance for Families

Can you make your child a permissive user in order to get a discount?

You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.

How can I find the best auto insurance for my family?

Some insurance companies offer occupational discounts, including for teachers and educators. On average, teachers paid $1,515 annually for auto insurance — 2% less than the national average.

How much would my car insurance be to transfer to a new individual policy from my family's insurance?

It's hard to give you an accurate quote without having more information. There are a number of factors that come into play when determining your premium and each insurance company may weigh these factors differently when determining what you pay.

Can my insured relative drive my new, uninsured car off the lot?

Even if your relative is insured, they cannot drive the car home without insurance. Their coverage does not extend to your new vehicle unless they choose to add it to their policy.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.