Best Cheap Car Insurance for Married & Unmarried Couples

How Much is Car Insurance for Married Couples?

The cost of car insurance for married couples will vary, depending on many factors, including:

  • Age
  • Driving history
  • Credit score
  • Location
  • Number of miles driven

Auto insurance companies also factor in each of these characteristics differently. For example, one insurance company may weigh the driver’s record more heavily than his or her location when determining rates. However, most do offer cheaper rates for drivers who are married. Depending on your provider, you may need to request this discount.

According to The Zebra, the average rate of insurance for married couples is $1,116 for a six-month insurance policy. This is about $89 less than the average policy for a single driver.

Video

2. Group affiliation discounts

You may be eligible for a discount if you or your spouse are a member of an alumni or other membership organization. Make sure you ask about these – and other ways of saving money.

What If My Spouse Is a Bad Driver?

Unfortunately, tying the knot with someone who has a bad driving record could impact you, too. If this is the case, you should think twice before you merge policies. Even if you keep your own, your rate could increase because you now have a high-risk driver in your household. If your spouse’s driving record is terrible, listing them as an excluded driver on your policy could save you the price increase. But if you go this route and exclude your spouse from coverage, just keep in mind that by law they won’t be allowed to drive your vehicle. If something bad happens while they are behind the wheel, and your car suffers damage, it won’t be covered, and you may also see a higher price hike in your premiums due to the fact that you broke the terms of the contract.

When you won’t get lower car insurance rates when married

Because rating factors for marital statuscan vary by insurer and your state, not everyone who gets hitched will see car insurance savings (womp womp).

In fact, if your spouse has a not-so-great driving record and you get a joint policy, you may face even higher car insurance rates. So on top of talking about debt levels, credit scores, and taxes when married, discussing your driving history is a wise idea before opting for a joint policy. 

If one person has a stellar driving record and the other one does not, you may want to keep things separate (just like there are financial reasons to file your taxes separately in some cases, such as having income-based student loan repayment). Of course, you can always comparison shop and review an individual versus joint policy to see your prospective rates. 

You may need to list your spouse on your policy anyway if you live together, even if you have separate policies. In that case, you may ask for a named-driver exclusion that acknowledges the party in your household but won’t affect your rates. That driver won’t be covered under your policy and shouldn’t drive your vehicle either. However, some states may not offer this option. 

Can married couples have separate car insurance policies?

If you’re married and living in the same household, Progressive and many other insurers require you and your spouse to be covered under the same policy. If you’re married and living in separate households, it’s OK and actually necessary to have separate car insurance policies, because your vehicles are garaged at different locations.

This rule extends to married couples who are legally separated as well. If you’re living in separate households, two separate auto insurance policies would be required because the vehicles are housed in different locations.

Best Auto Insurance Discounts for Married Couples

Do you or your spouse qualify for these deals? Your family arrangement can help you save on car insurance.

The “Big Three”

  • Marriage Discount: Insurance providers don’t explicitly tell you about this discount. Instead, it’s hidden as a rating factor. A driver with the same credit and driving record will pay less once they marry.
  • Multi-Car Discount: When you put those two vehicles on one policy, you get to take advantage of this discount, which could be as high as 25 percent.
  • Multi-Policy Discount: You can save money by bundling your car with a renters or homeowners insurance policy. Since you’ll be living the rest of your days together, think about protecting each other with life insurance policies. An umbrella policy goes over both your car and homeowners policy to protect you if something catastrophic happens.

Payment Discounts

  • Pay in Full: Your wedding gift or tax return can go a long way when you take care of the policy up front.
  • Automatic Payments: Now that you share a bank account, set up electronic funds transfer or gain points for your next vacation together with automatic credit card payments.
  • Buy in Advance: Need the car insurance policy to start after the honeymoon or when your current one ends? Buying seven or more days in advance could give you a discount.

Here are other car insurance discounts that could help you and your budget:

Discount Title Percent Saved Anti-theft Device Discount36%Defensive Driver Discount20%Family Discount25%Good Driver Discount40%Low Mileage Discount20%Multiple Vehicle Discount38%Homeowner Discount15%Professional Organization Discount15%

Bundling policies can save more money

Another way to save is bundling your policies. If you have multiple insurance needs, such as home, auto, and life insurance, then you can bundle these together for significant savings. This multiple policy discount is a smart financial move for couples who have several policies through the same company. At the end of the day, whether it is wiser to combine policies or remain separate, what various discounts are available to you, and how much you ultimately save by bundling are going to vary depending on your unique situation.There is not a "one size fits all" answer when it comes to car insurance, so do a little research to find out what is best for you and your spouse.

Frequently Asked Questions

  • Yes, insurance providers see married couples as less risky and therefore give them better auto insurance rates. A study by the National Institute of Health found that never-married or single drivers were significantly more likely to be in a car accident than their married counterparts.

  • Yes, your spouse will be covered with the same level of coverage you enjoy. If your spouse is responsible for the accident, you must pay your deductible before the insurance picks up the rest. The only exception is if you excluded your spouse. You would exclude your partner if poor credit, a bad driving record, or an expensive car made a joint policy unaffordable.

  • The best way to find the cheapest car insurance for married couples and newlyweds is to compare quotes from the auto insurance companies available in your area. Find a car insurance quote-comparison tool like Insurify to compare up to 10+ real quotes for your combined driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few minutes.

Does your husband or wife have to be on your car insurance?

The short answer to this is yes, almost always. Many insurers require you to list all the licensed drivers in a household on your policy — and that includes your spouse.

Fortunately, adding your spouse to your car insurance policy generally works in your favor. If you take out a joint policy that includes both spouses and both cars on it, you can snag a multi-car discount that lowers your rates.

In rare situations, however, spouses might want to consider separate car insurance policies rather than a joint policy.

Let’s say you drive a 2015 Honda Civic, have a clean driving record and have a high credit score. Your spouse, by contrast, drives a Ferrari, has a handful of accidents on their record and has a lower credit score. When you combine your car insurance into a joint policy, you will likely pay far more than you did as a single driver — but your spouse, benefiting from your clean record, affordable car and higher credit score, will likely pay far less than they did as a single driver.

If your car price, credit or driving history differs significantly from your spouse’s, we recommend comparing quotes from multiple insurers for both joint and single policies. Your net cost as a couple will still likely be lower on a joint policy. However, if your costs are lower for separate policies — or if, for whatever reason, you don’t want your husband or wife to drive your car — excluding your spouse from your car insurance policy is the best way to go.

Excluding your spouse from your car insurance

Excluding your spouse from your car insurance means that your insurer will not provide coverage to your spouse if they drive your car. To exclude your spouse from your insurance policy, simply call your insurer and ask them to do so. This is what is known as a named-driver exclusion.

Remember, insurers generally require all licensed drivers in a household to be listed on a car insurance policy. This means that even if you and your spouse drive separate cars and take out separate policies from different companies, you would each still be expected to list the other on your respective policies — and your rates would reflect their inclusion. Named-driver exclusions allow you to work around this rule and avoid paying extra when your spouse’s car, credit or record would increase your rates beyond what you’re willing to pay.

Once you’ve excluded your spouse from your car insurance policy, you cannot allow your spouse to drive your car. If they get in an accident while driving as an excluded driver, your insurance company will not cover the damages.

Married couples should also note that not all states allow named-driver exclusions. Check your state’s regulations and confer with your insurer before excluding your spouse from your policy.

Marriage discounts

Most companies offer a variety of car insurance discounts to help you save on your premium. While there generally is not a specific “marriage discount,” you may have access to discounts that you did not have access to before you were married.

  • Multi-car discount: When adding your partner and their vehicle to your policy, you may be eligible for a multi-car discount.
  • Marital status: This is another possible discount based on your change in marital status. When updating your personal information from “single” to “married,” your rate may drop an average of $50 per year. Whether or not it’s true, married people are considered more stable drivers who likely share driving responsibilities.
  • Multi-policy discount: As newlyweds, you may also be moving in together –– whether renting or buying a home or condo –– and this could offer a chance to combine all of your insurance policies with one company, potentially leading to discounts.

How to combine car insurance with your spouse

If you’ve decided you want to combine car insurance with your spouse or partner, there are several steps you should take:

Identify how much coverage you need. Your cars may have depreciated in value over the years, or your partner’s car might be more expensive and need more coverage. Determine what coverage levels you need to protect yourself from legal liability and damage costs in case of an accident. Gather the necessary paperwork. You may want to have your newly minted marriage certificate on hand to prove to your insurer that you’ve tied the knot. You’ll also need to collect other key information such as details about your car’s make, model and mileage and proof of previous insurance coverage. Contact multiple insurers to compare rates. When you’re comparing rates to find the best deal, we recommend talking with a human insurance agent. Agents can help you identify and include as many discounts as possible, which could in turn lower your rates. Make sure you’re comparing the same levels of coverage across no fewer than three companies.

Before reaching out to insurers, we recommend having a candid conversation with your spouse or partner about their driving history, car price, credit score and previous insurance coverage. If your answers differ significantly, ask the insurance agent for rates for both separate and joint policies. While combining policies is generally the more affordable choice, it’s good to check.

When it’s not happily ever after

No one gets married imagining a divorce will happen later on. But the likelihood of first-time marriages in the U.S. ending up in divorce is close to 50%, notes the American Psychological Association. As if that isn’t difficult enough, it’s important to be aware that splitting up may also impact your rates. 

While marriage may positively impact your car insurance rates, the converse is also true in that divorcing may negatively impact your rates. From Zebra’s analysis, divorced drivers tend to file more claims than married drivers. 

Tags