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's the best car insurance for married couples?


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 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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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

If you or your partner has a bad driving record, i.e., lots of at-fault accidents or citations, your bill will be higher because they are being rated on your insurance policy. Your spouse getting their own policy would ensure you are not financially penalized for their driving history.


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.


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.




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Additional resources


If you're looking for additional articles related to car insurance, see our related content below!

Car insurance for unmarried couples
Car insurance for same-sex couples
Car insurance for newlyweds




Recent Questions:

Best Car Insurance for Married Couples

Can a married couple have separate car insurance policies?

May 09, 2019
Location pin iconSpring Hill, FL

Is it possible for a husband and wife to have individual car insurance policies? My wife drives one vehicle while ...

Can a married couple have separate car insurance policies?

May 09, 2019
Location pin iconSpring Hill, FL

Is it possible for a husband and wife to have individual car insurance policies? My wife drives one vehicle while ...

Will my rate change if I remove my non driving wife from insurance policy?

Feb 28, 2019
Location pin iconAustin, TX

My wife no longer drives for medical reasons but is on our insurance policy. Will my rate change if I ...

Can my husband be liable for his ex-wife’s uninsured vehicle?

Feb 26, 2019
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If my husband’s ex is uninsured and their minor daughter drives her vehicle and she gets into an accident, can ...

Additional Resources:

Best Car Insurance for Married Couples

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