Best Car Insurance for Married Couples

Find a whole new reason to love your marriage

What is car insurance for married couples?


The average cost of car insurance for a married couple is $1,116 for a standard 6-month policy. Because car insurance companies see married drivers as more likely to share driving responsibilies, their individual premium is $89 less than a single dirver. This is why it's so important to start shopping for new car insurance after you get married. Let's explore some of the cheapest car insurance companies for marrried couples as well as additional things you should consider.


What's the best car insurance for married couples?


  1. What's the best 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


Using a methodology outlined here, 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 of $651 for a standard 6-month policy.


AVERAGE PREMIUM FOR MARRIED COUPLES
Car Insurance ProviderAverage 6-Month Policy
State Farm$1,966
All State$1,137
Geico$651
Progressive$746
Liberty Mutual$1,078



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Get a joint policy with your spouse


Most of the time, you should keep a joint car insurance policy with your spouse. Let's explore.


Added discounts

Usually, when you add your partner and their vehicle to your 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 is (somewhat) returned the favor by a decreased premium. Now, the amount of the discount per underwriting rules, any discount is worth considering.

Another discount that you should consider is based on the change of your marital status, not by adding additional lines of insurance. 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 — all of which 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 when you get into the weeds. If you and your spouse live together and have separate policies, your 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 like an absolute defined — they are covered drivers or completely excluded, and any damages they 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 protection. Furthermore, only having to worry about one joint bill to pay and one policy worry about is certainly easier.





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. The three big things to consider when thinking about before adding an additional person to your policy are:


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 policy. Your spouse getting their own policy would ensure you are not financially penalized for their driving mistakes.


Poor credit

Most insurance companies and most states use your credit score as a determining factor 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 insurance company 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 articled related to car insurance, see our content below!

Car insurance for unmarried couples
Car insurance for same sex couples
Car insurnace for newly weds




Recent Questions:

Best Car Insurance for Married Couples

Do I need a consent form to remove husband from car insurance policy?

Jan 08, 2019
Lancaster, SC

I am from the state of South Carolina. My husband and I are getting a divorce. How do I get ...

Am I required to remove my ex-wife from my car insurance policy?

Oct 08, 2018
Pompano Beach, FL

Can an ex-husband carry his ex-wife car insurance policy if they don’t resign to the same residence? And the judge ...

Am I required to remove my ex-wife from my car insurance policy?

Oct 08, 2018
Pompano Beach, FL

Can an ex-husband carry his ex-wife car insurance policy if they don’t resign to the same residence? And the judge ...

Should I file a claim for damage to my car caused by my husband?

Sep 20, 2018
Terry, MS

My husband backed my vehicle into the back of his vehicle in our driveway. His vehicle was not damaged but ...

Additional Resources:

Best Car Insurance for Married Couples

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