Best Auto Insurance for Unmarried Couples 2024 (Top 8 Companies Ranked)

State Farm, Geico, and Progressive have the best auto insurance for unmarried couples. Each offers a variety of types of auto insurance for domestic partners.

Getting a joint auto insurance policy as a couple can help you save on car insurance.

However, it’s still important to shop around for the best deal at the cheapest companies.

Some other great auto insurance options for unmarried car insurance are below.

Our Top 8 Company Picks: Best Auto Insurance For Unmarried Couples

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#1 – State Farm: Top Pick Overall

Pros

• Customer service: State Farm has a great customer service track record, with local agents spread out across the U.S. Read more in our State Farm review.
• Multi-car discounts: Unmarried couples with more than one car can save with a multi-car discount at State Farm.
• Widely available: State Farm is available in every state, making it easy to keep State Farm as a provider when moving.

Cons

• More expensive rates for young drivers: Unmarried couples who are younger may not find the cheapest rates at State Farm.
• Agent-only purchases: You can get quotes online but can’t complete your purchase until you go through an agent.

#2 – Geico: Best for Various Discounts

Pros

• Various discounts: There is a range of discounts at Geico, from safe driver to multi-policy (learn more: Geico discounts).
• Competitive rates: Geico’s rates usually tend to be some of the lowest on the market. You can learn more about rates in our Geico review.
• Easy-to-use platforms: Geico’s website and app are easy to use for managing policies.

Cons

• Limited local agents: Geico doesn’t have as widespread of a base of local agents for in-person assistance.
• Some negative reviews: Geico has a few negative customer service reviews, which is normal for large companies.

#3 – Progressive: Best High-Risk Coverage

Pros

• Cheap high-risk coverage: Drivers with a DUI or poor credit get competitive rates for high-risk auto insurance with Progressive.
• Budget shopping: Progressive’s Name Your Price tool allows unmarried couples to see how much coverage they can afford on their budget.
• Multi-policy discount: Unmarried couples can save by bundling home/renters insurance with auto insurance (read more about Progressive’s discounts in our Progressive review).
• Well-rated mobile app: Progressive’s app makes it easy to manage policies and request assistance.

Cons

• Some negative reviews: Progressive has just average ratings for customer satisfaction from J.D. Power.
• More expensive for young drivers: Young unmarried couples may see higher rates at Progressive.

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#4 – Allstate: Best for Pay-Per-Mile Rates

Pros

• Pay-per-mile rates: Unmarried couples who rarely drive could benefit from Allstate’s Milewise program. Read more in our Allstate Milewise review.
• Multiple discounts: Allstate’s discounts can help unmarried couples save (learn more: Allstate Review).
• Multiple coverages: Unmarried couples can customize their policies with tons of coverage options.

Cons

• Rates can be more expensive: Allstate’s average rates are generally higher than the competition.
• Mixed reviews: Some customers have negative reviews about Allstate’s customer service and claims handling.

#5 – USAA: Best for Military Members

Pros

• Policy perks: USAA members have access to travel discounts and more with USAA.
• Affordable rates: USAA has some of the lowest rates on the market. Read more about USAA’s rates in our review of USAA.
• Customer service: USAA’s customer service is well-rated by customers.

Cons

• Eligibility is exclusive: Anyone who hasn’t been in the military can’t qualify for USAA insurance.
• Few local agents: USAA communicates with customers mostly over the phone or online.

#6 – Nationwide: Best for Widespread Availability

Pros

• Widespread availability: Unmarried couples can keep Nationwide as a provider when they move due to its widespread availability.
• Discounts: Nationwide provides multi-car discounts and more (learn about discounts in our Nationwide review).
• Coverage variety: Unmarried couples have plenty of auto insurance coverages to choose from from Nationwide.

Cons

• Higher rates for some drivers: Young unmarried couples or couples with bad driving records may have higher rates than average at Nationwide.
• Mixed reviews: There are some negative customer reviews about Naitionwide’s customer service.

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#7 – Farmers: Best for Customizable Policies

Pros

• Customizable policies: Farmers’ coverage options make it easy for unmarried couples to customize their policies.
• Multiple discounts: Farmers offers safe driving discounts, bundling discounts, and more (learn more in our review of Farmers).
• Local agents: Farmers have local agents that make it easier for unmarried couples to get in-person support.

Cons

• Mixed reviews: Farmers has some negative customer service reviews.
• Higher demographic rates: Unmarried couples who are high risk may have higher than average rates at Farmers.

#8 – Liberty Mutual: Best for 24/7 Support

Pros

• 24/7 support: Unmarried coyuples can get 24/7 support on their policy questions and claims with Liberty Mutual.
• RightTrack program: Unmarried couples who are safe drivers can save with the RightTrack program (learn more in our review of RightTrack).
• Multiple coverages: Liberty Mutual offers plenty of coverages to choose from (learn more in our Liberty Mutual review).

Cons

• Higher rates for some drivers: High-risk drivers may not find the cheapest rates at Liberty Mutual.
• Mixed reviews: Liberty Mutual has some negative customer service reviews.

Unmarried Couple Auto Insurance

Can unmarried couples share car insurance? Should you buy a shared insurance policy? Or is it better to keep separate insurance policies if you’re not married?

One option for combining auto insurance policies is that if you are two people with two cars, you will add the other person as a qualified driver and then ask the auto insurance company about a combined car insurance policy as a single household.

The other option is if you are in a one-car situation, and you simply want to add your partner or your roommate to your policy for an auto insurance cohabiting plan.

You may have to stipulate that they are not the owner of your vehicle, which may increase your rates a little.

Do I have to put my roommate on my car insurance if they don’t drive my car? The insurance company will also require you to stipulate if you aren’t going to let someone drive your vehicle. In the case of a roommate, you need to list them as a non-driver on your policy.

If you decide not to let them drive your vehicle, but you don’t list them specifically as a non-driver, the insurance company will assume that you are allowing them to drive your car and raise your rates accordingly.

This also applies to your teen driver. Many people are not aware that once their child gets a driver’s license, the insurance company will assume that the parent will allow the child to drive their vehicle, and they raise their rates accordingly.

You must stipulate on your policy when drivers who live in your home aren’t driving your vehicle. Keep reading to learn more about your options.

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How to Get Auto Insurance Together When Not Married

People often wonder if they can add their boyfriend, girlfriend, or domestic partner to their auto insurance. The answer is yes. However, different insurance companies have different names for shared policies by individuals who are not married.

• A few insurance companies have started auto insurance for couples called Engaged Couple Policies
• Keep in mind that you need to be living with the person who is on the insurance policy
• Some companies will offer insurance for different driver types as well

Married individuals and parents and children often share the benefit of a joint ownership auto insurance policy. Most companies offer this same benefit to any individuals living at the same address. This could be roommates, parents and adult children, or unmarried couples living together.

These types of policies are fairly new and have only come into play over the last several years.

Even though it seems like this has been the case for a while, the best companies for auto insurance tend to go the traditional route because, legally, it is easier to define.

Names for Unmarried Couple Auto Insurance

Different insurance companies have different names for shared policies by individuals who are not married to each other. Some popular names for these types of policies are:

• Domestic Partner Auto Insurance
• Non-Married Insurance
• Roommate Insurance
• Non-Relative Insurance

As we previously noted, a few insurance companies have started policies referred to as Engaged Couple Policies. This is for couples who may or may not live together. But to qualify, you have to be getting married within 12 months of the engagement.

If that does not happen, the amount of the car insurance discounts you received for the time you were engaged will be added back to your account.

If you don’t know what your insurance company calls the policy or aren’t sure what to ask for, you can just explain your living situation to the insurance company, and they can tell you what policies they have that would match. The most critical thing is that you live at the same address.

Joint Auto Insurance Policies

When you own two or more cars and buy insurance on all of the vehicles from the same carrier, you will have what the industry calls a “multi-car policy.” The term joint insurance is also used to describe a multi-car policy. The difference between a standard multi-car policy and a joint policy is who owns the vehicles.

When you buy joint insurance, the insured cars on the plan have different legal owners, but they aren’t married. Since there are different names on the registrations, both policyholders will be listed as named insured.

Joint coverage can be risky because some companies feel like it creates a risk.

That’s why there are still traditional companies that will only sell a single policy to multiple vehicle owners if they’re legally married on paper. You’ll have to shop around to find a company with lenient guidelines.

Structuring a Joint Auto Insurance Policy

Structuring a joint insurance policy can be tricky. In some states, the state requires the primary policyholder’s name and registration to match.

When you have two named insureds, that’s tough to do. That’s why you will have to list both names with an ‘or’ separating them. This also makes it easier to cash claims checks when there’s an accident.

You might not have the same last name as the other named insured on your policy, but there are still some requirements that must be met when getting auto insurance from the best companies for unmarried couples.

The primary requirement is that both cars have to be primarily garaged at the same address. If the two joint policyholders live at different residences, they need separate insurance policies.

You don’t have to be married to someone to buy insurance with them. If you and your partner want to save money on your insurance and don’t want to lower your limits, consider combining policies.

Auto Insurance Discounts for Unmarried Couples

Is it cheaper to have joint car insurance for unmarried couples? For most policyholders, the most significant benefit when you’re building your policy is saving money. If you have the option to buy joint insurance as opposed to an individual plan, you’ll save hundreds on auto insurance.

The reason for the savings is that a multi-car discount will be added to each car. It could drop your total premium.

Not only does this price vary, but the amount you’ll save will vary depending on your total rate and the carrier that you’re with.

The average company will apply a 10 to 25 percent discount on the car’s total premium. It’s not just a single discount, but two different discounts on two other cars when you pay for a two-car policy. The data below shows the average discounts for a multi-car policy from some of the top unmarried couple auto insurance companies.

Best Auto Insurance Discounts by Insurance Provider

Be sure to look for the most significant discount if the price is your most important sales point.

Read More: Best Auto Insurance for Good Drivers

Policy Discounts

When both vehicle owners already have existing insurance and they’re contemplating canceling one policy, you have to look at the discounts that each policy has. When you get joint insurance on an existing plan, the policy discounts that the primary insured already has will spill over onto the new car.

Some discounts that can help reduce premiums on car insurance for couples include:

• Loyalty discounts for having insurance for several continuous terms
• Experience credits for having a license for several years
• Multi-policy discounts for having other types of insurance through the same provider
• Accident-free and claims-free discounts for maintaining a clean record
• Pay-in-full discounts

Now that you know the benefits of joint insurance, is there a time or situation when it’s better to have a separate policy from your partner?

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Potential Issues Putting Your Partner on Your Auto Insurance Policy

The main problem that arises with unmarried couples sharing an auto insurance policy is when the two people on the policy no longer live together. At least in a marriage situation, people live together and stay together until a divorce. Divorce is legal, and the insurance policy can change based on the legal date of the divorce.

According to FindLaw®, domestic partnerships have many of the same benefits as married couples. Unfortunately, domestic partners, girlfriends, boyfriends, engaged couples, roommates, breakups, or a change in living arrangements do not qualify for legal situations.

Both individuals may have a different version of events or a different timeline for when the relationship or living arrangements changed.

The primary holder of the policy is the one who can make changes, so this can be difficult if that person does not do the right thing or make the change on time. It is hard to define or defend these types of arrangements legally.

Comparing auto insurance rates can save you money on your unmarried couple car insurance. Enter your ZIP code in the free tool on this page to receive several auto insurance quotes.

What happens if we break up?

If your partnership falls apart and you go your separate ways, it is time to separate your auto insurance. If you no longer live together after the breakup, it is very important to remove the partner from your insurance policy.

It is easy to change the policy in any way. Adding another car or another person to your policy can occur in a matter of minutes. While the process takes a little longer if you want to take a car or person off your policy, it is still fairly easy. Just remember, when this happens, you need to be prepared for your insurance rates to increase.

Some insurance companies discount up to 30 percent when you have multiple policies, so removing one can impact your rates. Keep reading to learn more about taking drivers off of an unmarried auto insurance policy

Can you keep your partner on the policy if they move out?

Typically the answer to this is no if someone moves out of your house or area, although it will depend on your insurance company.

Insurance companies only combine policies for people who live in the same location.

Now, if you are talking about keeping someone’s name on your policy as an alternative driver for your vehicle, that’s fine.

They can live in another state because you aren’t talking about insuring their vehicle, but you’re only talking about insuring your own.

What happens if you don’t remove your partner after moving out?

The best-case scenario is that the insurance company notifies you that they are making a mandatory change to your policy.

A worst-case scenario would be that your insurance company refuses to insure you any longer because you defrauded the company. According to the Insurance Information Institute, any misrepresentation of an auto policy counts as fraud.

Therefore, the worst-case scenario is that the insurance company files fraud charges.

The truth is that this isn’t an ordinary course of action for any insurance company. However, if you or the other driver on your policy have had an accident, and the insurance company paid the auto insurance claim, they may require you to pay back what they paid.

Also, if you are found to have deliberately defrauded the insurance company, there is the possibility that you could go to jail.

You don’t want to put yourself in the position of breaking the law to save a few dollars.

Unmarried Couple Auto Insurance: The Bottom Line

If you have a roommate or partner to whom you are not married, you may be able to share a joint car insurance policy, though this depends on the insurance company and your exact situation. Depending on who owns the vehicle on the policy, how many vehicles you own, who drives which vehicles, etc., it may make sense to purchase a joint policy or to simply add additional drivers to an existing policy.

Find affordable unmarried couple auto insurance quotes in your local area by entering your ZIP code in our free comparison tool. Compare these quotes to your existing coverage and pick the choice that meets your needs.

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