Will my car insurance go down if I get married?
Asked by: Baby Turcotte Sr. | Last update: August 11, 2025Score: 4.5/5 (48 votes)
Does being married decrease car insurance?
Your personal relationship status does have an impact on what you pay for car insurance. Because married drivers are seen as more financially stable and safer drivers, they typically pay less for car insurance.
How does car insurance work when you're married?
Are spouses automatically covered by the other spouse's car insurance? No. Being married doesn't give coverage to spouses or their vehicle on the other's car insurance policy. To add a spouse and their vehicle to an insurance policy, the insurance company must be notified.
How much cheaper is insurance if you're married?
Some insurers even require that you add your spouse once you are 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.
Is it worth getting married for insurance?
One of the benefits of marriage is often access to a family health insurance plan. These plans typically offer discounts because they cover more than one person.
When To Drop Collision Coverage
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.
Can I drive my wife's car if I'm not on her insurance?
If you're not on the owner's policy, applicable coverage will again depend on consent. Assuming the driver gave you consent to operate the vehicle or, at the very least, there is reasonable belief that you had permission to drive it, then you're probably covered.
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.
How fast does insurance kick in after marriage?
When the coverage becomes active varies depending on the insurance company's guidelines. Some start coverage on the date listed on the marriage certificate, while others may begin coverage on the first day of the following month.
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 I drive a car registered to my husband?
If you use a car that belongs to another family member and live in the same household as them, ask them to add your name to the vehicle's insurance policy. This makes you a covered driver.
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.
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 does getting married change?
Once you're married, you'll receive numerous rights and benefits. These range from tax and inheritance benefits, to alimony and child support in the event of a divorce, to your right to take bereavement leave from your job if your spouse should die.
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.
At what age is car insurance most expensive?
The Insurance Institute for Highway Safety reports that teen drivers are four times more likely to get into a car crash than drivers 20 and older. As a result, car insurance companies view young drivers as the most risky to insure. Drivers ages 16 to 24 tend to face the highest premiums compared to other age groups.
Which group pays more for car insurance for a married single?
Yes, married couples typically pay lower premiums than single people. In general, insurance companies view married people as financially stable and safer drivers.
At what age does a female's car insurance go down?
In the following states, insurance companies cannot take age into account when calculating insurance premiums: California.
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.
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 it matter whose name is on the car insurance card?
In most states, police will accept an auto insurance card that lists the car you're driving on it, and it doesn't matter if your name is specifically on the card (some states even accept electronic proof of auto insurance); however, Texas is different.
Does your spouse's debt become yours?
In almost every case, you will not be held responsible for debt your spouse has incurred before your marriage. The only exception to this rule is if you become a joint account holder after marriage. If you take this step, you will accept ownership of the debt and be held accountable for its repayment.
What is the highest credit score?
In most cases, the highest credit score possible is 850. You can achieve the highest credit score by taking a variety of essential steps. Still, for many people, it's difficult considering the range of factors that dictate the highest credit score possible.
What is the best credit score for marriage?
However, most lenders tend to offer a wedding loan to those with excellent credit scores. So, it is usually recommended to maintain a good credit score of 750 and above to be eligible for a personal loan.