Car Insurance for Married Couples: What to Know
Married drivers can usually lock in cheaper car insurance rates than single drivers.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Whether you’re currently married or have an upcoming wedding day, you should know that married couples often pay slightly cheaper car insurance rates than single drivers, as long as they enroll in a policy together. Married drivers pay an overall average of $200 per month for auto insurance, compared to the $208 per month single drivers pay.
Here’s how married couples can save money on car insurance and compare quotes to find a policy that works for both drivers.
Quick Facts
Married drivers can take advantage of many car insurance discounts to save money on their policies.
If your spouse has a poor driving history, bad credit, or a much more expensive car, separate policies may be a better choice.
COUNTRY Financial, NJM, and Auto-Owners are the cheapest car insurance companies for married and single drivers.
Cheapest car insurance for married drivers
Many regional and national companies offer car insurance for married couples. To find the best deal and the right car insurance coverage for you and your spouse, it’s a good idea to shop around.
Here’s a look at the cheapest car insurance companies for married drivers.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $96 |
| State Farm | $110 |
| GEICO | $114 |
| Allstate | $133 |
| Progressive | $140 |
| American Family | $167 |
| Nationwide | $179 |
| Travelers | $190 |
| Liberty Mutual | $192 |
| Farmers | $239 |
| The General | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Do married people pay less for car insurance?
In general, married drivers may pay cheaper car insurance premiums than single drivers. Married drivers may see more insurance savings because they get access to each other’s discounts, can bundle their policies for additional discounts, and share coverage costs.[1]
The average cost of car insurance is $200 per month for married couples and $208 for single drivers. That difference is slight, but you may be able to get cheaper rates when you’re married if your spouse has a clean driving record or a lower-value car.
Here’s how much single drivers and married drivers pay for car insurance from some of the best car insurance companies.
Insurance Company ▲▼ | Average Quote: Single Drivers ▲▼ | Average Quote: Married Drivers ▲▼ |
|---|---|---|
| USAA | $100 | $96 |
| State Farm | $115 | $110 |
| GEICO | $119 | $114 |
| Allstate | $139 | $133 |
| Progressive | $146 | $140 |
| American Family | $174 | $167 |
| Nationwide | $186 | $179 |
| Travelers | $198 | $190 |
| Liberty Mutual | $200 | $192 |
| Farmers | $249 | $239 |
| The General | $250 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Important Information
Starting Aug. 1, 2023, New York state requires auto insurance companies to include supplemental spousal liability insurance unless the policyholder declines the coverage in writing.
Supplemental spousal liability insurance provides bodily injury liability coverage for your spouse if they’re injured or killed in an accident you cause. Not rejecting this coverage can increase your car insurance rates in New York.[2]
Car insurance discounts for married couples
Most car insurance companies offer car insurance discounts that can help married couples save on their premiums. While they may not be called “married discounts” or specifically created for married couples, they’re often more accessible to them.
Here are several examples of discounts married drivers may qualify for:
Multi-car discount: A multi-car discount may apply if you and your spouse cover the vehicles you own with a single policy. Depending on the insurer, this discount can be significant. You can score a multi-car discount with Nationwide and Farmers.
Multi-policy discount: Also known as a bundling discount, a multi-policy discount is worth pursuing if you and your spouse pair your auto policy with another type of insurance, like homeowners insurance, renters insurance, or life insurance, for example. Allstate and Progressive offer multi-policy discounts.
Military discount: If you or your spouse are an active-duty military member or veteran, you might be eligible for a military discount. With GEICO, for example, you may save 15% on your policy. Keep in mind that one of you will likely have to provide the insurer with evidence of military service.
Electric vehicle discount: You may lower your car insurance rates if you or your spouse own an electric car. Travelers is one example of an insurance company with an electric and hybrid vehicle discount.
Recent quotes for other Insurify users
Drivers have found policies from Kemper Standard, Root, Mercury, and more, for rates as low as $51/mo. through Insurify
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance tips for married couples
If you’re looking for ways to lower your car insurance premiums as a married couple, here are a few tips to consider:[3]
Combine policies. The easiest way to save on auto insurance as a married driver is to combine your policies. This can simplify your insurance policy management and open the doors to more savings opportunities.
Explore discounts. Look at the various discounts insurance companies offer. You and your partner might qualify for a multi-vehicle or multi-policy discount that wasn’t an option when you were single.
Compare rates. Do your research and compare insurance products and premiums from at least three insurance companies. You can use an online insurance-comparison tool or work with an insurance agent.
Drive safely. Sit down with your spouse and commit to being safer drivers. You’ll land lower car insurance rates if both of you maintain clean driving records free of serious traffic violations, such as speeding tickets, at-fault accidents, and DUIs.
When should my spouse and I have different policies?
It’s usually in your best interest to get a joint policy to cover you and your spouse. But in the following situations, it may make sense to separate your policies:
Your partner has a poor driving record. When determining premiums, car insurers will look at both spouses’ driving records. If you find that your partner’s bad driving record is causing higher rates, you might want to keep your policies separate.
Your spouse has bad credit. Depending on where you live, car insurance companies may look at your credit scores during the underwriting process. If your spouse has bad credit, you may face more expensive rates and be better off with two policies.
Your partner drives a luxury vehicle. For example, if you drive a Honda and your partner drives a Mercedes-Benz, insuring their high-value vehicle can increase your rates. In this case, separate car insurance policies may be the cheaper option for you.
Married car insurance FAQs
Check out Insurify’s guide to adding a child to your policy, and see below for answers to frequently asked questions about car insurance for married couples.
Are spouses automatically covered by the other spouse’s car insurance?
No. A car insurance policy won’t cover both spouses unless they choose a single insurance policy and add both of their names and vehicle information.
How do you add your spouse to your car insurance?
To add your partner to your auto insurance policy, reach out to your car insurance agent. Let them know you’re married and would like a joint car insurance policy. Be prepared to share information about your partner and their vehicle.
Can you combine car insurance policies if you aren’t married?
Sometimes, yes. Many insurance companies will allow you to add a significant other to your auto insurance even if you aren’t married, as long as you live together and are in a domestic partnership.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Progressive. "Car Insurance Coverage for Spouses."
- New York Department of Financial Services. "Supplemental Spousal Liability Insurance."
- III. "How to save money on car insurance."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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