Car Insurance for Newlyweds

Car insurance for newlyweds can often be discounted. However, only a handful of providers offer a newlywed discount, and in most cases it only applies for a short period of time.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 17, 2021

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Here's what you need to know...

  • Newly married couples can save money on auto insurance by employing several effective techniques
  • Only a handful of providers offer a newlywed discount, and this discount only applies to your premium for a short period of time in most cases
  • Combining coverage is a great way for newlyweds to simplify financial management and to potentially save money on their premium

Planning a wedding can be a stressful experience, but couples need to look past the big day and focus on combining their lives together in different ways. One common step that newlyweds take is to buy a car insurance policy together or add a spouse to car insurance.

Do car insurance rates go down when you get married? You do not necessarily need to wait until your current policy expires to start shopping around for low rates, and you may even be able to save money with a newlywed discount when you purchase new coverage soon. Use our FREE comparison tool today to start comparing rates for the coverage you need!

Combining Coverage Into a Single Policy

Is it cheaper to have joint car insurance? There are many benefits associated with buying a joint car insurance policy. For example, you may enjoy easier financial management when paying bills and budgeting, and you may save money in different ways. Before you start comparing rates, you should determine how much coverage you need.

Consider your state’s minimum coverage requirements and any additional requirements that your auto lender has when trying to decide how much coverage to buy.

Factors That Can Affect a Joint Policy Premium

How much does it cost to add a spouse to car insurance? When two people are insured under the same policy, both drivers’ credit scores, driving history, and claims history will be reviewed during the quoting process. In some cases, one spouse may have an excellent rating, but the other spouse may be considered a high-risk driver.

If you are comparing rates for car insurance today, you should pay attention to the factors that may be influencing your rate. By addressing some factors now, you may qualify for lower rates on car insurance the next time you request quotes.

How the Newlywed Discount Works

The newlywed discount is only available through select providers, and those that offer it generally only require couples to have been married within the last year. However, this requirement varies, and you should carefully research the requirements for leading providers to find the best option available.

Understand that this is only one of several factors that can influence your insurance premium amount.

Remember that this is typically short-term discount, but you may be able to qualify for a married couple discount or other discounts to save money on your premium in the future.

To avoid an unexpected premium increase when the discount expires, married couples should inquire about the discount’s expiration date and should prepare their finances for the possibility of a rate increase at that time.

The Benefits of Consolidating Your Auto Coverage

Blending finances and combining insurance coverage may not sound like a romantic way to spend your first few weeks as newlyweds, but it nonetheless can be beneficial in many ways.

For example, when you combine your car insurance coverage together soon after getting married, you can simplify your financial management in the years to come. You may also save money on your premium in numerous ways.

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Understanding Other Ways Newlyweds Can Save on Auto Insurance

The newlywed discount is not available through most providers, but there are other ways for newlyweds to save money even when this discount does not apply to them. For example, newlyweds can save money on car insurance plans by:

  • Qualifying for other discounts
  • Bundling coverage for their auto insurance with home, renter’s, or life insurance
  • Insuring multiple drivers or vehicles under one policy
  • Increasing your deductible amount
  • Paying your premium in full

The impact of these factors on rates is different for each provider that you may contact for a quote. To more easily identify the quotes that are most affordable for your budget, ask for identical coverage types and limits from each provider.

The Importance of Shopping Around

Some drivers think that they would pay roughly the same amount on their premium regardless of where they buy coverage, but the reality is that you could potentially save several hundred dollars or more by shopping around and comparing rates.

Before you spend time shopping for new car insurance quotes, however, use the Internet to identify the providers that are financially sound and that have a great claims process. This initial effort will help you to establish a relationship with a reputable provider.

The Many Auto Insurance Discounts You May Qualify For

A newlywed discount is just one of many discounts that you or your new spouse may qualify for, and these discounts can often be combined together to maximize your potential savings. The available car insurance discounts may include:

  • An infrequent driver or low mileage discount
  • A discount for safety equipment on the vehicles
  • A green vehicle discount
  • A discount for having a great driving record

Instead of focusing on how many discounts you qualify for through one provider, pay attention to the total financial savings available through the discounts. This is because the amount of each discount may vary from provider to provider.

Assigning Primary and Occasional Drivers to Your Vehicles

For many couples, each driver has his or her own vehicle. You likely need to insure both drivers on both vehicles, but you do not want to pay a fortune for doing so.

Some couples may even think that they can save money overall by keeping their policies separated. Most married couples will drive each other’s vehicles at some point, so you need to both be insured on each vehicle.

One strategy to save money is to assign a primary driver and an occasional driver to each vehicle. Some providers offer a lower rate for this, and others may have a discount for occasional drivers.

With this discount and other potential discounts that married couples can qualify for, you may be surprised by how much more affordable a combined policy is.

Preparing for the Future

The newlywed discount is a great way for recently married couples to lower their auto insurance premium. However, this discount will not always be applicable because it is typically only available for the first few months or full year of the marriage.

By shopping around now, you can identify the provider with the lowest rates and the best discounts for you and your spouse. Make plans to compare rates with our FREE insurance comparison tool below to make sure you get the best rates for the coverage you need!

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