Best Car Insurance for Families

Protect what you treasure the most

What is car insurance for families?

 

Your insurance coverage is modeled after you and your assets. Having a family and the corresponding life changes that follow and accompany it, such as getting married, purchasing a house, and insuring your family, have huge insurance implications that require some navigation to ensure you're not spending too much money. Let's break down the best ways to save when looking for car insurance for families.

 

What is car insurance for families?
  1. At the start of your family
  2. When you have children
  3. Cheapest company for your teen
  4. How to save
  5. Car insurance for families: summed up




When you begin your family

Moving from boyfriend/girlfriend to husband/wife is a big milestone both personally and for your insurance. Married couples on the same policy are considered to be a more stable insurance customer and are thus rewarded with a lower premium. 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


Moreover, if you and your spouse are homeowners, you can expect some additional savings as well. Just insurance companies view married couples as more stable, homeowners are seen as less likely to file a claim than renters and when they do file a claim, the claim payout is usually much less expensive. If you bundle your home and auto policy with the same company, you can expect 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


Together, being a married homeowner can offer you some pretty impressive insurance savings. This will really help as we get into the other aspect of car insurance for families — children.




Having children

Unless your child is driving (which we will get to) there isn’t an immediate impact. Still, if you’re a young family with a coupe convertible, you may consider upgrading your vehicle to something a little more family friendly, like an SUV or a minivan.

 

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 listed in our chart, you can see that moving from a sedan to a van can actually save you an average of $116 annually, or $144 if you choose a van.




Having teens

Let's get right to it: having a teen is very expensive. So, in order to be the most helpful for you, we decided to survey 5 top insurance companies across the US to determine which company is actually the cheapest for you and your family. Outlined methodologyhere, we found that Geico is the cheapest company to insure you and your teen driver, all other metrics constant. Here is our data.

 

Car Insurance Provider

Average 6-month premium

State Farm

$2,482.50

Allstate

$1,716.00

Geico

$819.00

Progressive

$989.00

Liberty Mutual

$1,376.50

 

As you can see, adding your teen can increase your premium by nearly $4,000 per year! This is only for adding one 17-year-old, if you have multiple children, you can expect the increase to be even higher. So, what comes next? Well, considering the data above you should begin your search for auto insurance with Geico and Progressive while still searching elsewhere. Let's explore some other options.

For more information on car insurance and teens, see our guides below:

 

How to save

 

Good Student Discount

This discount is pretty straightforward. Insurance companies see students who maintain above a 3.0 GPA as safer drivers and thus reward them with a lower premium. Most insurance companies will require proof (such as a transcript) every policy period as proof. The discount amount varies by company.

 

Average Savings for Good Student and Good Driver Discount

Average Teen

Average Male Teen

Average Female Teen

$283

$360

$207

 

Defensive Driver Discount

Taking a safe drive course approved by your insurance company can be rewarded with a discount. Regardless if your insurance company gives a discount for this, it’s probably a good idea for your young teen anyway. Discount amount will vary by company.

 

Good Driver Discount

This discount is automatically added to your policy if you have a claims-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.

 

Choose the right vehicle

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. For a more in-depth look at handling car insurance for teens,see here.




So, what's next?

Your car insurance, or any form of insurance, changes as you and your assets do. Consider any life-changing event as an opportunity to examine your insurance needs. Getting married, buying a home, having a family, and adding your children to your policy are all huge moments as a person and as an insured individual. Starting first with Geico and Progressive as well as shopping around for car insurance for 6 months is a surefire way to ensure you are getting the best rates.




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Recent Questions:

Best Car Insurance for Families

Will my son’s accident on my policy affect my rates?

Jan 30, 2019
Belvidere, IL

My son had a minor accident, it was his fault for not making a stop on time. But the insurance ...

Can my mom add me and my car to her policy?

Jan 24, 2019
Newberry, SC

My insurance is high by myself and I don’t know why I got a clean record. Will my mom be ...

Can my mom add me and my car to her policy?

Jan 24, 2019
Newberry, SC

My insurance is high by myself and I don’t know why I got a clean record. Will my mom be ...

Can my insurance company make me carry insurance on my 20yr son living w/me?

Jan 24, 2019
Pleasant View, TN

He has never driven my car. He has his own ins and car. They charged me an extra 165 and ...

Additional Resources:

Best Car Insurance for Families

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