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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.
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.
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.
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 |
$2,482.50 | |
$1,716.00 | |
$819.00 | |
$989.00 | |
$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:
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 |
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.
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.
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.
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.
