Best Car Insurance for Married Couples

Explore the best ways to save money on car insurance after tying the knot.

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What is the best car insurance for a married couple?


The average cost of car insurance for a married couple is $1,116 for a standard six month insurance policy. Because car insurance companies see married drivers as more likely to share driving responsibilities, their individual premium rate is typically $89 less than a single driver. This is why it's so important (and smart!) to start shopping for new car insurance after you get married. Let's explore some of the cheapest car insurance companies for married couples, as well as additional factors you and your spouse should consider.


  1. What's the best insurance company for married couples?
  2. Do you have to merge your policy with your spouse?
  3. When to merge your policies
  4. Additional ways to save
  5. Additional information




Cheap car insurance if you're married


We discovered the average married couple pays $186 per month for car insurance. By selecting Geico, however, you can lower this monthly payment to $108 per month, for a total of $648 for a standard six month policy.


AVERAGE PREMIUM FOR MARRIED COUPLES
Car Insurance ProviderAverage 6-Month Policy
State Farm$1,966
All State$1,137
Geico$648
Progressive$746
Liberty Mutual$1,078



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Car insurance for newlyweds


Once the glow of nuptials has passed, there can be a lot of overwhelming aspects of new married life you might have expected. A big facet of this is your car insurance. Whether you know it or not, most car insurance companies require any married couple to list their spouse on the policy — regardless of whether they're an eligible driver. What this can mean for you as well as additional ways to save are all things we will explore in our breakdown of car insurance for newlyweds.


Get a joint policy with your spouse

Most of the time, it's simply smart to consider a joint car insurance policy with your spouse. Let's explore the benefits of going in on a joint policy.


Added discounts

Usually, when you add your partner and their vehicle to your insurance policy, you are eligible for a multi-car discount. The reason being for this discount is the additional line of revenue for your insurance company by insuring more than one vehicle with them. This increased revenue (somewhat) returns the favor with a decreased premium.

Another discount that you should consider is based on the change of your marital status. By updating your personal information from “single” to “married,” your insurance rate actually drops by an average of $74 a year. This is because of the way your insurance company sees you as a married client; married people are considered more stable drivers and more likely to share driving responsibilities — which may mean fewer claims payouts for them.


AVERAGE PREMIUM FOR ONE DRIVER BASED ON MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,470
Married$1,381
Divorced$1,467
Widowed$1,431


Simplicity

It might seem like a pain to get your spouse added to your policy, but it’s actually less of a hassle than you may think. If you and your spouse live together and have separate policies, your respective insurance companies will most likely require you to either add or completely exclude your spouse from your policy altogether.

This is because insurance companies see the likelihood of roommates (married or not) sharing vehicles to be very high and thus, more of a risk — they are either covered drivers or completely excluded, and in the latter situation, any damages they potentially cause would not be covered by the insurance company. If you and your spouse decide to stay on separate policies, you will not be allowed to use the other’s vehicle unless you want to risk not getting any coverage in the event of an accident. Furthermore, only having to worry about one joint bill to pay for one policy is certainly easier and more convenient.





When to keep your policy separate from your spouse


You might be surprised to learn that it doesn’t always make sense to merge your car insurance policy with your husband or wife. Here are three big things to consider before thinking about adding an additional person to your policy:


Bad driving records

Car insurance companies couple all available data together to determine what you will pay in premium — and driving record is a big one. If you're a better driver than your spouse, adding yourself to their policy can lower his or her risk level by association. In doing so, you can lower their premium but raise yours. If you're going to be using your spouse's vehicle and vise versa, you are going to have to merge your policies. But be aware of how their driving record can impact you. If you have a preferred car insurance policy (i.e., a company that does not like risky drivers), you can be dropped by adding a driver with a poor driving record.


Poor credit

Most insurance companies and states use your credit score as one of the determining factors for your premium. Just like having a poor driving record, having a low credit score can negatively impact your premium significantly. If your spouse has worse credit than you, make sure you are the only named insured on the policy. This way, only your credit report is used in your premium.


AVERAGE PREMIUM BASED ON CREDIT LEVEL
Credit LevelAverage Annual Premium
Poor$2,411
Below Fair$1,934
Fair$1,571
Good$1,323
Excellent$1,130

Expensive cars

If you drive a Toyota Corolla but your significant other drives a Lamborghini, you should expect a significant difference in your premiums. Your insurer has to soften the risk of insuring such a high-value car by charging a high premium. If you’re worried about footing the bill for their fancy and expensive car, think about getting your own policy.





Additional ways to save after your wedding

This isn’t advice specific to newlyweds but is helpful nonetheless. Unlike your home, your car loses value over time. Meaning, the collision and comprehensive coverage you once had for your 2005 Toyota Corolla might no longer be necessary. High levels of coverage — while not required by state law — are designed to replace or repair your vehicle if it's damaged after a covered claim.

Considering collision and comprehensive aren’t required by law and are expensive, the general rule of thumb in the insurance world is if your vehicle's value is less than $4,000, you should consider dropping them.

You can determine the value of your vehicle through Kelley Blue Book and NADA online.


Be smart with your coverage

Understand that your insurance coverage should only be used when the value of the repairs is greater than the premium increase you would receive. Here’s how to tell:

  • After an accident, get an estimate for the repairs
  • Use our State of Insurance report to see how much an at-fault accident would raise your premium. Consider that most companies will charge you for three years after an accident.
  • Compare the value of the damage to the premium increase plus your deductible. If it's cheaper to pay the out-of-pocket costs yourself, go for it.

This only applies to your vehicle in at-fault collision accidents. If the driver whose vehicle you damaged wants to file a claim, you don’t have an option. Moreover, comprehensive claims tend to be much less impactful on your premium than collision claims as they are considered outside the control of the driver.


Double check for all your discounts

It’s all about the little things when it comes to discounts. While each discount may be small, they can add up to be significant.

  • Multi-policy discount
  • Good driver discount
  • Good student discount (ages 16-25)
  • Safe teen driving discount (via pre-approved safety training course)
  • Telematics programs
  • Payment by bank account
  • Paid in full discount
  • eSignature discounts
  • Paperless billing discount
  • Multi-vehicle discount

Shop around

At the end of the day, you might be paying too much for car insurance simply because you’re with the wrong company. The best way to make sure you’re getting the best rate is to see what other insurance companies can offer you. Enter your zip code below to see how much you could be saving.


Compare quotes from over 100 providers.

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Recent Questions:

Best Car Insurance for Married Couples

Do I add my ex wife from my insurance?

If they are still legally married, she would need to be listed on the policy. But, if she's not using the vehicles or doesn't own them, she can be listed as an "excluded driver" and thus your policy won't be affected.

Am I being overcharged for my policy?

Many companies require that if you are married and live with your spouse, you must list them on your policy as a driver, whether they drive your vehicle or not. Since your wife is not licensed, I would suggest shopping around for a policy with a company that does not require that spouses be listed.

Car insurance in MA to exclude my disabled spouse

Massachusetts is considered a No-Fault state and requires Personal Injury Protection coverage. This means that your insurance company will pay for your medical injuries no matter who is at fault in the accident.

Do I have to list my spouse as a driver?

You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint 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.