10 Best Auto Insurance Companies for Married Couples in 2024

State Farm, Progressive, and Allstate are the best auto insurance companies for married couples because they offer superb customer service, excellent discounts, and low rates.

Although it doesn’t have a specific married couple discount for auto insurance, State Farm is one of the cheapest auto insurance companies on the market.

Our Top 10 Picks: Best Auto Insurance Companies for Married Couples

Read on to explore the best car insurance for newlyweds and couples who’ve been together for decades alike. Then, enter your ZIP code into our free comparison tool to find the best rates for you.

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#1 – State Farm: Top Overall Pick

Pros

• Comprehensive Coverage Options: Customize your State Farm policy with add-ons like roadside assistance and rideshare insurance.
• Multiple Discounts: Get the cheapest car insurance for married couples possible by taking advantage of State Farm’s 13 discounts.
• Vast Network of Agents: State Farm has great online tools, but it focuses more on customer service. Finding a local State Farm agent is usually a simple task.

Cons

• Higher Rates for Some Drivers: You’ll probably find cheaper coverage with another company if your credit score is low. See how much you might pay in our State Farm auto insurance review.
• Limited Discount Availability: Discount availability varies by region, so make sure to check with a State Farm representative to see how much you can save.

#2 – Progressive: Best for Digital Insurance Tools

Pros

• Name Your Price Tool: Find coverage that matches your monthly budget with Progressive’s Name Your Price tool.
• Loyalty Discounts: Stay with Progressive for a year or longer to earn a loyalty discount. Explore Progressive’s 13 discount options in our Progressive auto insurance review.
• Excellent Online Tools: You can do everything from buying a policy to filing a claim online with Progressive’s convenient digital tools.

Cons

• Unexpected Rate Increases: Some customers complain that their rates increased unexpectedly, even when they hadn’t made changes to their policy.
• Customer Service Quality Varies: Progressive’s customer service reviews are hit-or-miss.

#3 – Allstate: Best for Full Coverage Policies

Pros

• UBI Programs: Allstate offers two usage-based insurance programs – Drivewise and Milewise. See which might be right for you in our Allstate auto insurance review.
• Highly Rated Claims Service: With its claims satisfaction guarantee, Allstate receives excellent reviews for its claims resolution process.
• Ample Coverage Options: Allstate has plenty of ways to customize your policy to fit your exact needs, including extended vehicle care and new car replacement.

Cons

• Rates can be high. Drivers looking for cheap auto insurance for married couples will probably find better prices at a different provider, as Allstate rates are typically high.
• Limited Online Options: You can manage your policy online, but you’ll need to speak with an Allstate representative to buy a plan.

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#4 – Nationwide: Best for Bundling Home and Auto Insurance

Pros

• Bundling Options: If you’re looking for home and car insurance for married couples, Nationwide has some of the best coverage options and discounts for bundling policies.
• Policy Add-ons: Add coverage like gap insurance or a vanishing deductible to your Nationwide policy to increase your coverage.
• Strong Financial Stability: Nationwide has an A+ from A.M. Best, meaning you won’t have to worry about your claims being unpaid.

Cons

• Communication Issues: Some customers report communication problems with Nationwide representatives. See what other customers have to say in our Nationwide auto insurance review.
• Higher Rates for Young Drivers: Nationwide is typically an affordable option, but young drivers should consider other providers if they need cheap car insurance quotes for married drivers.

#5 – Farmers: Best for Discount Options

Pros

• Personalized Coverage: Farmers offers plenty of ways to customize your policy. Explore all your coverage options in our Farmers auto insurance review.
• Tons of Discounts: While there isn’t an auto insurance discount for married couples, you can find plenty of ways to save with Farmers’ 23 discount options.
• Signal App: Save up to 30% on your insurance by enrolling in the Signal program and consistently practicing safe driving habits.

Cons

• Average Rates: If you’re looking for cheap car insurance for married couples, you’ll probably find better rates at a different company.
• No Florida Coverage: Farmers has discontinued car and home insurance policies in Florida.

#6 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Customizable Coverage: Get the best car insurance for married couples possible with Liberty Mutual’s add-on options.
• Accident Forgiveness: Sign up for Liberty Mutual’s accident forgiveness to protect your rates. Read our Liberty Mutual auto insurance review to see who qualifies.
• Convenient Online Tools: Use Liberty Mutual’s convenient online tools to manage your coverage, whether you have a single or joint auto insurance policy.

Cons

• Claims Processing Problems: Some customers report issues with Liberty Mutual’s claims handling, particularly about the speed of the process.
• Higher Prices: It’s not the most expensive provider on the market, but Liberty Mutual also doesn’t have the cheapest auto insurance rates for married drivers.

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#7 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance Plans: AAA is one of the best car insurance companies for married couples because of its roadside assistance plans. Explore AAA’s plans in our AAA auto insurance review.
• Membership Perks: You’ll need to be an AAA member to buy car insurance, but membership offers a variety of extra perks.
• Reputation for Customer Service: AAA receives stellar reviews for its customer service, which helps the company offer the best car insurance for married people.

Cons

• Membership Fees: There’s an annual fee to remain an AAA member, which offsets some of the car insurance savings the company offers.
• Coverage Options Vary: AAA runs its insurance programs through regional clubs rather than a centralized location, meaning coverage options vary by location.

#8 – Travelers: Best for Drivers With Bad Credit Scores

Pros

• IntelliDrive: Save up to 30% on the cost of car insurance for a married driver with Travelers’ UBI program, IntelliDrive.
• Discount Opportunities: Get the lowest auto insurance quotes for married drivers by taking advantage of Travelers’ 15 discounts.
• Affordable Rates: Travelers’s rates tend to be a little lower than the national average. Drivers with bad credit scores can find inexpensive rates with Travelers.

Cons

• Rideshare not Available Everywhere: Travelers offers rideshare insurance, but it’s not available in every state.
• Complex Policies: Some customers complain that Travelers policies are difficult to understand. Learn more about how Travelers policies work in our review of Travelers auto insurance.

#9 – American Family: Best Customer Service

Pros

• Writes Costco Policies: American Family manages Costco auto insurance policies through its company, CONNECT.
• Plenty of Discounts: Save on married couple auto insurance with American Family’s 18 discounts. See which discounts are available in our American Family auto insurance review.
• Excellent Customer Service: American Family receives excellent reviews for its customer service representatives.

Cons

• Limited Availability: Today, American Family offers married couples car insurance in just 19 states.
• Billing Issues: Despite having excellent customer service reviews, some policyholders complain about billing issues.

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#10 – Erie Insurance: Best for Young Married Couples

Pros

• Affordable Rates: Erie offers low rates for auto insurance for married couples, particularly for young drivers.
• Superb Customer Service: As a smaller insurance company, Erie has more time to focus on providing its customers with the best service possible.
• YourTurn: It’s not a car insurance marriage discount, but safe drivers can save up to 30% by enrolling in Erie’s YourTurn.

Cons

• Not Available Everywhere: Erie sells insurance in just 12 states. See if you live in one of those states in our Erie auto insurance review.
• Limited Discounts: It doesn’t have as many discount options as its larger competitors, but Erie still manages to offer affordable coverage.

Auto Insurance Rates for Married People

What makes an insurance company better for married people? Many factors affect auto insurance rates, including marital status, age, location, and driving record.

Consequently, some companies offer lower rates to married couples because they consider marital status a risk factor more heavily.

Why does marital status affect car insurance rates? Is insurance cheap for married couples? Insurance companies rely on statistics to decide which drivers pose a higher risk than others. Statistically, married people pose a lower risk because they tend to be more cautious and financially responsible than unmarried people.

Studies have shown that even younger married couples are better off financially, resulting in fewer claims and a lower likelihood of unpaid insurance bills. That means the best car insurance for young married couples can cost significantly less than it does for their single counterparts. Other factors that affect your insurance rates include:

• Age and Gender
• Vehicle Type
• Insurance History
• Driving Record
• Credit Score
• Location

Keeping these factors in mind, check out the average rates from our top companies for married couples below.

Auto Insurance Monthly Rates for Married Couples by Coverage Level

The companies that made our list have the lowest rates for married couples and offer multiple discounts to help reduce those rates even more. Read on to see how the top 10 auto insurers for married couples stack up.

Auto Insurance Discounts for Married Couples

Car insurance discounts help drivers lower rates significantly. Since most companies offer various discounts based on the driver, policy, and vehicle, most drivers can find multiple ways to save.

Although there aren’t specific married couple auto insurance discounts, couples may be eligible for other discounts. Consider the discounts listed below to maximize your savings.

Additionally, some married couples might qualify for other discounts. For example, drivers who avoid traffic violations and accidents might qualify for a good driver auto insurance discount. Young married couples may also qualify for good student discounts to lower traditionally high rates for young drivers.

As you can see, you may be eligible for several discounts. Bundle all the discounts you’re eligible for to see the most savings.

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Getting Joint Auto Insurance

Most insurance companies require you to include your spouse and other licensed drivers in your household because insurers assume you’ll be sharing a car with your spouse. However, a joint car insurance policy doesn’t always make sense.

For example, if your spouse has a bad driving record or low credit score, your rates may increase if you add them to your policy.

In that case, you may exclude your spouse from your policy. This named exclusion means your spouse may not drive your car, and the insurance company won’t cover a claim if they have an accident. Your spouse will need their own high-risk auto insurance policy so they can legally drive their own car.

The good news is that you won’t have to fill out another quote request form, like the one shown below. Instead, you’ll probably be able to add your spouse directly to your policy.

Remember that not all states allow drivers to exclude their spouses. You may not have a choice whether or not you include your spouse, even if it raises your rates. You can have two insurance policies on the same car, but it makes much more sense financially to carry one policy on the car that covers both of you if possible.

Joint Auto Insurance for Non-married People

Yes, as we mentioned above, most insurance companies want all licensed drivers listed on your policy. So, whether you live with a partner, teen driver, or others, you may be able to add them to your car insurance.

However, some states don’t recognize certain relationships, such as boyfriend and girlfriend, and the insurer may not let you combine policies. You may not get the same low rates, but the best auto insurance companies for unmarried couples can help you save the most possible.

How to Merge Auto Insurance

There’s a lot to consider when combining auto insurance. The first question is if you want all cars listed on the same policy with both of your names.

Can you have two separate insurance policies for two cars? Yes, you can have different policies, but they may be more expensive. In addition, since most insurers offer multi-vehicle auto insurance discounts, you won’t be saving as much if you have separate policies.
Once you combine your auto insurance, decide how much coverage you need. If your cars are older, you could lower coverage amounts or raise deductibles if you can pay for repairs yourself. However, you don’t have to carry the same coverage on both cars. For example, if you drive a newer car and your spouse drives an older car, you may want higher coverage limits on your vehicle.

Next, ensure you have all of the information you need. You’ll need detailed information about each vehicle, such as make, model, and mileage.

Some insurance companies will also ask for a copy of your marriage license.

Finally, shop around. Every auto insurance company offers different rates. Compare rates, coverages, and discounts from multiple companies to find the best married couple car insurance for you.

Best Insurance Providers for Married Couples: The Bottom Line

Many factors affect car insurance rates, such as age, driving record, credit score, location, and marital status. The best auto insurance companies for married couples depend on how each insurer views your factors. Typically, married couples see lower auto insurance rates since they’re more stable and less risky. However, your rates may still be high if you have a bad driving record or poor credit.

While there aren’t married couple car insurance discounts, married couples can take advantage of other discounts, such as multi-car and multi-policy savings. Shopping around is the best way to find auto insurance for married couples. Compare rates from multiple companies by entering your ZIP code into our free rate comparison tool today.

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