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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. 


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 Avg. Monthly Premium
Married $134
Widowed $139
Divorced $147
Single $147
Updated: 09/29/22.

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.

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.

Homeowner Status Avg. Monthly Premium
Renter $147
Condo Owner $144
Home Owner $144
Renter With Multi-Policy $140
Condo Owner With Multi-Policy $133
Home Owner With Multi-Policy $130
Updated: 09/29/22.

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).

Insurance company Average Monthly Rate
Allstate $647
Farmers $510
GEICO $329
Nationwide $285
Progressive $524
State Farm $298
USAA $374

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 

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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.

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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.

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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.

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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? Chevron down icon

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? Chevron down icon

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 car insurance policies and make an informed decision.

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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.