Married Car Insurance Discount
Married car insurance discounts can save you up to 10 percent on your rates. Car insurance companies see married drivers as more responsible and are willing to offer lower rates. Other auto insurance discounts to ask for as married drivers include multi-car and multi-policy discounts. Discounts for married drivers vary by company.
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Written by
Laura Berry
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Reviewed by
Joel Ohman
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UPDATED: Nov 7, 2021
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- Married people pay less for car insurance because they are seen as more responsible drivers
- Many companies offer car insurance discounts for married couples, some up to 10 percent
- Ask your car insurance company what discounts you qualify for to lower your rates
You may be surprised to learn that some companies offer a married car insurance discount. Insurance companies tend to see married drivers as safer and more responsible drivers, which means they are less risky to insure.
Car insurance discounts are an excellent way to lower your rates, and many companies will even let you bundle them to get the most bang for your buck.
Shop around for married car insurance rates to find the best coverage at the cheapest price.
Enter your ZIP code to compare quotes that offer married couples car insurance discounts.
Table of Contents
Do you get a car insurance discount for being married?
Many car insurance companies offer discounts to married couples. The average discount is four percent but can be as high as 10 percent. The discount amount will depend on the company and the state you live in.
Discounts are an easy way to lower your auto insurance rates, especially since many companies will let you bundle them to save even more.
Check out this table to see discounts offered by some of the top companies.
| Car Insurance Discounts | 21st Century | AAA | Allstate | American Family | Ameriprise | Amica | Country Financial | Esurance | Farmers | Geico | Liberty Mutual | MetLife | Nationwide | Progressive | Safe Auto | Safeco | State Farm | The General | The Hanover | The Hartford | Travelers | USAA |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Anti-Theft | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Vehicle Recovery | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✘ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| VIN Etching | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ | ✘ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ |
| Green Vehicle | ✓ | ✘ | ✓ | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ | ✘ | ✓ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ | ✘ |
| Forward Collision Warning | ✘ | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ | ✘ | ✘ | ✘ | ✓ | ✓ | ✓ | ✓ | ✘ | ✘ | ✘ | ✘ | ✘ | ✓ | ✘ | ✘ |
| Defensive Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ | ✓ | ✓ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ |
| Good Credit | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ | ✘ | ✓ | ✓ | ✘ | ✘ | ✘ | ✘ | ✘ |
| Good Student | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Married | ✘ | ✓ | ✘ | ✘ | ✘ | ✓ | ✓ | ✓ | ✘ | ✘ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✘ | ✓ | ✘ | ✓ |
| Military | ✘ | ✘ | ✓ | ✘ | ✘ | ✘ | ✘ | ✓ | ✓ | ✓ | ✓ | ✓ | ✘ | ✘ | ✓ | ✓ | ✓ | ✓ | ✘ | ✘ | ✘ | ✓ |
| Multiple Vehicles | ✓ | ✓ | ✘ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Passive Restraint | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✘ | ✓ | ✓ | ✓ | ✘ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✘ | ✓ | ✓ | ✓ |
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If you don’t know what auto insurance discounts to ask for, you might not be getting the lowest rate available. Speak with your agent to find out what discounts you are eligible for.
Why is car insurance cheaper if you’re married?
According to Today, married couples tend to do better financially than single people. Not only can they share financial responsibilities, but they can also get perks like car insurance discounts.
When it comes to being married vs. being single, car insurance is simply cheaper for married people because they qualify for more discounts, among other reasons.
Auto insurance companies see married people as being less risky drivers than single people. There are a couple of reasons for this thought process.
First, many married couples take turns driving. This in turn lowers each driver’s risk of being in an accident or getting a ticket.
Second, married drivers are seen as more responsible and mature. Car insurance companies believe married drivers will take fewer risks and be more contentious behind the wheel.
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What are other ways to lower your car insurance rates?
In addition to discounts, there are other ways to save on your car insurance. There are many factors that affect car insurance rates, and some of them you can change to help your rates.
Here are some factors used to determine your auto insurance rates:
- Where you live – If you live in a high crime area or a very populated, your car insurance rates will be higher. Consider moving to an area with less crime and drivers to lower your rates.
- Credit score – A low credit score will cause your auto insurance rates to be higher. Companies believe that someone with a low credit score is more likely to file an insurance claim and cost the car insurance company more money.
- Driving record – If you have multiple tickets, accidents, or DUIs, you will be charged higher car insurance rates. The good news is that when your driving record clears, your rates will go down. Drive safely and obey traffic laws to keep your driving record clean and your rates low.
If you have a good driving record and credit score and add available discounts, you will see real savings.
Shop around to find the affordable married car insurance that fits your needs. Enter your ZIP code now to compare married car insurance quotes and find the best rates.