Car insurance according to marital status


Getting married is life changing for a variety of reasons, but one impact you may not initially consider is a change in your car insurance rates. Typically, married people pay less for auto insurance than single drivers, but that’s not always the case — and it’s not always a substantial difference. Several factors determine the amount of premiums you pay, and marital status may be one of many. Insurers not only consider married drivers with a different level of risk, but there may also be additional discounts for married drivers.

Does marital status have an impact on car insurance?

One of the questions you will need to answer when applying for auto insurance is whether or not you are married. Marital status is one of many factors that affect the cost of insurance premiums, although the impact is generally small. Insurers assign rates based on risk, and married people are generally considered to have a stronger financial footing than single people, which lowers their insurable risk. This means car insurance rates may be lower when you are married.

Some states do not allow marital status to factor into the cost of insurance rates, such as Hawaii, Massachusetts, and Michigan. It’s also important to note that your premiums are based on several personal factors, including where you live, the vehicle you drive, miles driven per year, and your driving record. Depending on the state you live in, your credit score or gender may also be a factor.

Car insurance rates according to marital status

The table below shows the difference a married driver could pay compared to a single driver. The rate is based on the national average cost of comprehensive motor insurance per year. A licensed insurance agent can provide a more accurate quote of your individual rates whether you are married or single.

Civil status Average annual comprehensive car insurance premium
Only $1,674
Married $1,625

Car insurance for married drivers

When you get married, your premiums may go down. You will usually need to add your spouse to your policy or submit an application for a new policy and add them as a driver. In rare cases, you and your spouse may have separate policies, but most carriers require all eligible drivers living in the household to be added as a driver. With that in mind, there may be little or no financial benefit to keeping your policies separate.

Primarily, simply turning two separate policies between you and your spouse into one shared policy will generally reduce overall expenses. It’s usually cheaper to have two people and two or more cars on the same policy than to have a different policy for each car, especially since both spouses will need to be added as drivers.

Not only does being married increase your chances of earning lower premiums, but it could also help you qualify for additional discounts. While a “wedding discount” isn’t common, there are several discount opportunities you’ll likely qualify for once you get married. This could include policy bundling, a multi-driver or multi-car discount. When you get married, be sure to submit the changes to your insurer and take advantage of any available discounts.

Average cost of car insurance for married drivers

Average annual comprehensive car insurance premium
40 year old married woman $1,618
40 year old married man $1,633
national average $1,625

Car insurance for single drivers

Gender can also factor into car insurance rates in addition to marital status. The table below shows the differences between average annual premiums for female drivers and single 40-year-old drivers with a full coverage policy, based on Bankrate’s 2021 quoted annual premium study. Generally, married drivers pay less than married drivers, but single drivers over the age of 40 can pay the highest full coverage rates on average. Otherwise, insurance rates for men tend to be higher at almost all other ages.

Single drivers also have access to a variety of discounts, including safety equipment on their vehicles, claim-free driving, automatic payment or student discount vouchers. A licensed insurance agent can provide accurate quotes for your individual policy while helping you take advantage of as many discounts as possible.

Average cost of auto insurance for single drivers

Average annual comprehensive car insurance premium
40 year old single woman $1,701
40 year old single man $1,648
national average $1,674

Car insurance rates according to marital status and company

Although individual rates are based on each driver and may vary, the table below illustrates the difference married drivers may pay compared to single drivers. These rates – collected from Quadrant Information Services – were drawn from the major auto insurance companies, based on market share size.

Average annual comprehensive car insurance premium

car insurance company Only Married
Allstate $1,921 $2,039
Geico $1,405 $1,359
progressive $1,509 $1,376
state farm $1,457 $1,456
USAA $1,225 $1,031

Does Divorce Affect Car Insurance?

Divorce can impact the amount you pay in car insurance premiums. When you are married and living together, you are co-owners of the contract. However, when you get divorced and live in separate homes, you will need separate policies. This may impact your rates when applying as an individual. If you have children who have access to you or your ex-spouse’s insured vehicles, it is important to ensure they are added to both policies as a driver to ensure adequate coverage.

Frequently Asked Questions

What is the best car insurance company?

Finding the best auto insurance company is possible if you’re willing to do some homework. When comparing insurance providers, perhaps start with provider customer service reviews, financial strength ratings with AM Best, online or in-app digital experience and review the options coverage and discounts. This will help you choose the best provider for your situation and driving needs.

Can I be married and still be on my parent’s car insurance policy?

Once you’re married, most insurers require you to purchase your own policy. An exception to this may be if you are still living with your parents during your marriage. While having a policy for you and your spouse always makes more sense, you should also be added as a driver or household member to your parent’s policy. It’s often best to take out your own policy, especially if you decide to move on your own.

Should I add my spouse to the auto policy?

Almost all insurance companies will require you to add your spouse to your policy once you get married, simply because of the high likelihood of your spouse driving your vehicle. Although it is possible to maintain two separate policies for your vehicles, each policy must include both spouses, and some insurance companies will require all household vehicles to be listed on the same policy. Plus, it’s usually financially beneficial to insure both your vehicle and your spouse’s vehicle on the same policy, rather than maintaining a separate policy for each vehicle.

What factors determine my auto insurance rates?

Car insurance rates vary from person to person due to the many personal factors involved. Not only can the state you reside in affect the cost, but also the vehicle you drive, the number of miles driven per year, and your driving record. In some cases, your credit score, gender and marital status are also taken into account.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

Civil status: Rates were assessed based on the following marital/family status: single (baseline), married, male and female married for 40 years with a 16-year-old teenage driver.

To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles a year.

These are sampling rates and should only be used for comparison purposes.

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