Is car insurance cheaper if your married?
Asked by: Lucio Dooley | Last update: December 26, 2025Score: 5/5 (12 votes)
Is it cheaper to have my wife on my car insurance?
Most auto insurance companies offer lower rates to married couples because they are often considered more stable and less of a risk than unmarried policyholders. Beyond an overall lower rate, auto insurance companies also commonly offer special discounts for those with multi-car or home-and-auto-bundled policies.
Does being married affect car insurance?
Most companies offer cheaper rates for married couples, as long as both spouses qualify within certain parameters. When looking at rates for car insurance for married vs. single, it's important to know that your costs can change.
Do you get a discount on car insurance for being married?
Does being married get me better car insurance rates? Yes, married couples typically pay lower premiums than single people. In general, insurance companies view married people as financially stable and safer drivers. That can mean fewer accidents and claims.
What marital status is the cheapest for car insurance?
In general, yes, married people tend to get cheaper car insurance rates. That's because figures suggest that couples and families make fewer expensive claims than people who aren't married. This means insurance providers may offer you cheaper car insurance when you get married.
What You Need to Know About Car Insurance and Divorce
Is it better to say single or married for car insurance?
Married people are often seen by insurance companies as more stable and therefore, less of a risk. This means combining your car insurance can save you money. Plus, having multiple vehicles on a policy, and/or adding renters or homeowners insurance can mean even more discounts.
Can my wife drive my car if she's not on my insurance?
A driver who lives in your household and isn't listed on your auto policy may be denied coverage if they borrow your vehicle and are involved in an accident. Family members who live in your household and drive your vehicle, including a teenager or your significant other, should be listed as drivers on your policy.
Is it cheaper to have 1 or 2 people on car insurance?
Every driver's history will affect the policy; your rates will rise if one driver exhibits reckless behavior. Listing multiple drivers on a single policy will generally be cheaper than maintaining two separate insurance policies.
Does getting married affect your credit score?
No, getting married does not have any affect on your credit. Credit reports do not record marital status. Credit scoring systems, which calculate scores using credit report data, therefore do not and cannot factor marital status into your scores.
Is a spouse automatically covered under car insurance?
Spouse – Even if the spouse is not specifically named on the insurance policy, most liability insurance will cover the spouse. However, there may be some exceptions, such as if the spouse is specifically excluded or if the spouses no longer reside together.
Does credit score affect car insurance?
How credit-based insurance scores work. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history and many other factors to establish eligibility for payment plans and to help determine insurance rates. Again, except in California, Hawaii, and Massachusetts.
Is it better to be married for insurance?
Insurance. One benefit of marriage is the potential for reduced insurance costs. If both spouses work and are eligible for health insurance plans, once married they can decide which plan works best for them.
Why do married people pay less for car insurance?
Married people usually pay less for auto insurance because they're statistically less likely to file claims. However, if your spouse has a bad driving record or poor credit, you might save money by maintaining separate car insurance policies.
Can someone drive my car if they are not on my insurance Progressive?
If you give someone outside your household permission to drive and borrow your car (also referred to as "permissive use") and they aren't rated on your policy, any accident they're involved in may be covered by your insurer, depending on your state and insurer.
Does it matter who is primary on auto insurance?
It matters who the primary driver is on insurance because the primary driver is the person who drives the car the most. Insurance companies use their driving record, age, location, and other factors to calculate premiums and coverage. So the primary driver can affect insurance rates.
Do I have to add my spouse to my car insurance Geico?
Spouses are typically required to be on your policy. Significant others/partners/fiancés should be added to your policy if they live in the household and regularly operate your vehicle. Teen drivers and college students need to be added to your policy if they have a learner's permit or a valid driver license.
Does insurance go up if you add a driver?
Typically, adding drivers to your policy can increase your premium. For example, there is a reason adding a teenage or newly licensed driver to an auto policy can result in an increase in insurance premiums.
Can I remove my spouse from my car insurance if we are separated?
Can You Remove a Spouse From Car Insurance Before a Divorce? If you and your spouse are both named on your car insurance policy, you can't change the policy on your own. Insurers won't allow you to remove your soon-to-be ex from your current car insurance, or cancel your shared policy, without their approval.
Do I have to tell car insurance I'm married?
Many insurers, including Progressive, require you to add a spouse to your car insurance policy if you're both living in the same household (unless your state gives you the option to exclude your spouse). Adding your spouse to your policy ensures that you're both covered in the event of an accident.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.
Will my car insurance go up if I add my wife?
Typically, insurance companies encourage joint policies for married couples as it presents a lower risk due to the perception that married couples tend to drive more carefully. In most cases, sharing a car insurance policy with your spouse leads to a multi-car discount.
Is it better to be married or single for car insurance?
Because married drivers are seen as more financially stable and safer drivers, they typically pay less for car insurance. On average, a married driver pays $149 less per year for car insurance than does a single, widowed or divorced driver.
Which gender pays more for car insurance?
On average, young men pay much more for car insurance than young women. This is because car insurance providers find men to be riskier drivers than women, especially when they are younger. When they are older, women start to pay slightly higher rates.
Does getting married lower your taxes?
When you are married and file a joint return, your income is combined — which, in turn, may bump one or both of you into a higher tax bracket. Or, one of you is a higher earner, that spouse may find themselves in a lower tax bracket. Depending on your situation, this could be a tax benefit of being married.