Why is car insurance cheaper for married couples?
Asked by: Rene Champlin | Last update: January 28, 2026Score: 5/5 (8 votes)
Is it cheaper for a couple to be on same car insurance?
If you and your spouse have good driving records, a joint car insurance policy can save you money with lower premiums and a multi-car discount (if your insurer offers one).
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.
Can my wife drive my car if she's not on my insurance?
Yes, as long as that person is legally licensed to drive. In the USA, most if not all car insurance policies cover the occasional driver who is known by you and for which you give that person permission to drive your car. Be careful if you have a ...
Does marital status affect car insurance rates?
Marital status can significantly influence car insurance premiums. Generally, insurers view married individuals as more stable and less likely to engage in risky driving behavior, resulting in fewer accidents and claims. Consequently, they often offer lower premiums to married couples.
Do Spouses need to have the same car insurance policy in Arizona?
Why do married people pay less for car insurance?
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.
Should both spouses be on car insurance?
Should I add my spouse to my car insurance? Although not required, in most cases, being married can help you save money on your car insurance premiums. However, if either of you have accidents or violations, you may want to keep them separate (at least until some of the violations fall off).
Does it matter whose name is on the car?
Yes, the name on a car title can impact insurance coverage. Insurance companies usually require the policyholder to have an insurable interest in the vehicle, meaning they either own the car or have a significant financial interest in it.
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.
Does adding a spouse increase car insurance?
Combining car insurance policies with your spouse
According to the Insurance Information Institute, car insurance companies may offer lowered premiums for married drivers who are combining their policies.
How much cheaper is insurance when married?
On average, a married driver pays $160 less than a single, unmarried driver. However, if your spouse has a poor driving record or a low credit score, your insurance premium may increase.
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.
Is car insurance cheaper with two drivers?
Adding a spouse, child, or roommate to your car insurance is often cheaper than each driver having their own policy.
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.
Can I drive my boyfriend's car if I'm not on his insurance?
While there are exceptions, car insurance generally follows the car and not the driver. Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle.
Do you get a discount on car insurance for being married?
Married people typically pay less for auto insurance because statistics show that single people are more likely to file car insurance claims. In addition to receiving a discount simply for being married, couples often benefit from multi-vehicle discounts insurers offer for insuring more than one vehicle on a policy.
Can my son drive my car if he is not insured?
Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.
Does your insurance go up if your child gets their license?
Once the driver gets their license, the surcharge transfers over to them. So, while you don't need to make any changes to your insurance when your child gets a permit, you may still want to let your agent know so you can make sure you have adequate coverage.
Should I add my 18 year old son to my car insurance?
Getting car insurance for a young driver can be pricey due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's more affordable to add your licensed or permitted teenage driver to your existing auto insurance policy.
Why should spouses never title automobiles jointly?
For married couples the rule of thumb is for each spouse to individually own the car they drive. The reason for this is to limit liability in the event of an accident. Liability is assessed on the owner of the vehicle and the person driving at the time of the accident.
Does the owner of the car have to be on the car insurance?
Does your car insurance and registration have to be under the same name? Most U.S. states allow residents to register and insure their vehicles under different names. This is because the car's owner can be an approved driver on the policy rather than the primary policyholder.
Can my husband take my car away if it's in his name?
If you purchased your vehicle after you got married, it is part of the marital estate and subject to division. This means that even if your vehicle is titled in your name alone, your spouse will have the same rights to the vehicle as you do.
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.
Can I drive a car registered to my husband?
If a vehicle is registered only on one person's name, does that person's spouse also have the right to use the vehicle? It is of “no-matter” who is on title, As long as you have “their permission” to use the car. My wife has her own car in her name only and I drive it all the time.