Best Auto Insurance Discounts for Married Couples in 2024 (Save up to 25% With These Companies)
Farmers, Progressive, and Liberty Mutual have the best auto insurance discounts for married couples signing up for a joint policy, saving you up to 25% on your policy. In addition to marriage discounts, married couples can also save by bundling home and auto policies or insuring multiple vehicles.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 21, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Married couples can enjoy the best auto insurance discounts for married couples, with many insurers offering substantial married couple discounts for joint auto insurance policies when a spouse is added to insurance.
Once you find the right married couple auto insurance discount, you should be well-equipped to get the best joint policy for your household.
Our Top 10 Picks: Best Auto Insurance Discounts for Married Couples
| Company | Rank | Savings Potential | Description |
|---|---|---|---|
 | #1 | 25% | Farmers offers a 25% discount for married couples. |
 | #2 | 22% | Progressive provides up to 22% in savings. |
 | #3 | 20% | Liberty Mutual offers a 20% discount for marriage. |
 | #4 | 18% | Nationwide gives married couples 18% savings. |
 | #5 | 17% | American Family offers a 17% discount for couples. |
 | #6 | 15% | Allstate provides a 15% discount for married couples. |
 | #7 | 14% | Safeco offers a 14% discount for married couples. |
 | #8 | 13% | Travelers gives up to 13% in savings for marriage. |
 | #9 | 12% | The Hartford offers a 12% discount for couples. |
 | #10 | 10% | Geico provides married couples with a 10% discount. |
Does being married make car insurance cheaper? Some companies offer cheaper premiums for couples who insure their vehicles together. Additionally, bundling home and auto insurance can yield even greater married couple insurance discounts.
Keep reading to learn all the details of how you can save at the best auto insurance companies for married couples with marriage discounts for a joint policy. To shop for cheap married couple auto insurance today, compare rates with our free tool.
- Married couples qualify for various auto insurance discounts
- The amount a married couple saves on car insurance depends on their company
- Even if couples don’t qualify for marriage discounts, they usually have lower rates
How to Get Married Couple Auto Insurance Discounts
Curious does being married lower auto insurance? Obtaining auto insurance discounts for married couples and getting a cheaper rate isn’t a difficult task. When searching for an insurance plan, you’ll inform the insurance company of your marital status. You may receive a lower insurance rate on just married car insurance depending on driving records and previous claims.
Read More: Factors That Affect Auto Insurance Rates
More turbulent driving records with multiple accidents and claims may result in a higher rate, regardless of whether their spouse has a spotless record. Other factors aside, you’ll want to choose a joint policy for you and your spouse. A joint policy has multiple benefits, such as simplifying finances.
Joint Auto Insurance Discount for Married Couples
Beyond the headache of having multiple policies, sharing a policy allows for more comprehensive coverage with an insurance plan. Separate policies might make it impossible for your spouse to receive coverage or file a claim in an accident since your spouse has to be on your auto insurance policy for proper coverage.
Learn More: Does my spouse have to be on my auto insurance policy?
You can add your spouse as an approved driver on your auto insurance policy or add them as a joint policyholder.
A joint insurance policy will save you and your spouse a headache just by joining a single plan. Insurance companies assume married couples on a joint car insurance policy share vehicles. Therefore, when it comes to marriage and car insurance, separate policies make it so you or your spouse can’t use a vehicle with primary coverage for a single person.
Multi-Car Discount for Married Couples
Most auto insurance companies will offer a car insurance discount if couples insure more than one car at the company.
Learn More: Best Multi-Vehicle Auto Insurance Discounts
Unless a vehicle is a specialty car like a sports car, it usually makes financial sense to insure cars on the same policy.
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Companies With the Best Married Couple Auto Insurance Discounts
Is car insurance cheaper for married couples? As previously stated, the best insurance price for a married couple is from Farmers. Still, other insurance companies offer lower rates for married couples with joint policy savings.
Top Married Couple Savings: Monthly Min. Coverage Rates After Discount
| Insurance Company | After Discount |
|---|---|
| $74 |
| $77 |
| $77 |
| $80 |
| $81 |
| $83 |
| $84 |
| $87 |
| $94 |
| $103 |
State Farm is the exception to most insurance companies, as prices won’t differ for single or married couples because there isn’t a State Farm married discount. However, for other popular auto insurance companies like Progressive and Farmers, couples can expect some form of discount for joint car insurance for married couples when getting an auto insurance plan.
The Progressive marriage discount for married couples is competitive, too, with 22% off a married couple’s policy. Other insurance companies providing discounts for married couples include Liberty Mutual, Travelers, and Geico.
While offering discounts across all insurance companies isn’t universal, at the very least, a married couple will likely qualify for a reduced rate if both individuals have a clean driving history.
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You will likely not find many cheap auto insurance options if you or your spouse have a poor driving record. Auto insurance companies check driving records before offering coverage rates (Learn More: How Auto Insurance Companies Check Driving Records).
A joint policy might increase your overall expenses despite having a single bill if one spouse needs high-risk auto insurance coverage.Dani Best Licensed Insurance Producer
With this in mind, it might be worth filing for separate insurance coverage to keep costs down, but it does make vehicle coverage relatively complicated for single-car households.
Benefits of Married Couple Auto Insurance Discounts
Is car insurance cheaper when married? The best auto insurance companies for married couples offer affordable rates compared to single drivers. Married couples can save up to 25% on coverage with the best car insurance for married couples. The average car insurance cost for married couples vary by company, though they usually get lower rates.
For example, Erie provides a 10% cheaper insurance rate for married couples compared to a single person. Unfortunately, Erie doesn’t provide nationwide coverage.
So, does being married lower car insurance? Aside from insurance company-specific discounts, married couples may find their rates are lower than average.
Learn More: Auto Insurance Rates for Married vs. Single Drivers
Generally, married couples have around 6.5% lower insurance plan pricing on average. Lower pricing can be due to married drivers being safer than single or divorced individuals.
Get Cheap Joint Coverage With Married Couple Auto Insurance Discounts
Is auto insurance cheaper if married? With the best married couple auto insurance discounts, married couples can save on their insurance. Married couples can qualify for a marriage discount on whatever types of auto insurance they choose. Some companies might not offer discounts for married couples but still offer reduced rates on couples shopping for getting married car insurance.
Shop around with various companies to find ones offering the best married couple auto insurance discount. For example, you could save up to 25% with Farmers auto insurance as a married couple.
Enter your ZIP code into our free quote comparison tool below to find cheap car insurance for married couples today.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
How do I get a married couple car insurance discount?
In most cases, a car insurance marriage discount for joint policies will be automatically applied when you add your spouse to your auto insurance policy, which is when it comes to car insurance for married vs. single drivers, married car insurance is cheaper.
How much is the Geico marriage discount?
Geico offers 10% off on Geico spouse coverage.
Do I have to add my spouse to my car insurance policy?
There isn’t a legal requirement to add your spouse to your car insurance policy. However, most insurers want you to name all household members as listed drivers. Read more about how to manage your auto insurance policy.
Is auto insurance cheaper for married couples?
Does getting married lower car insurance? Even if a couple doesn’t qualify for a married couple discount, they may qualify for a lower overall rate since married individuals are often safe drivers.
Do I have to tell car insurance about marriage?
Yes, you need to tell your car insurance you’re married and add your spouse to your insurance policy if they will be driving your car. You can also get a marriage discount on car insurance by telling your insurance company.
What happens if you lie about being married on car insurance?
Lying about marital status on car insurance is fraud. So, always tell the truth about your coverage application to avoid breaking auto insurance laws.
Can a married couple have separate insurance plans?
Yes, married couples can have separate auto insurance, and it isn’t unusual, especially if one person has a less-than-ideal driving history. Of course, you can’t cover the same vehicle with two separate plans, but it can help lower the overall cost.
What automobile insurance factor lowers premiums for married drivers?
Beyond marital status, there are a few different factors that can influence average car insurance cost for married couples. For example, owning multiple cars per household can net an even lower cost.
Another factor is owning a home, which can help lower your car insurance price. To find affordable auto insurance for married couples today, enter your ZIP code in our free tool.
Can I keep my ex-wife on my auto insurance?
You can keep your ex-wife on your auto insurance policy if she is driving your car and living with you still at the same address (Learn More: Do auto insurance companies check where you live?).
Is it better to put single or divorced for car insurance?
It does not matter which you put on auto insurance, as companies only care about car insurance spouse coverage.
Does marriage change car insurance?
Yes, due to newlywed discounts, being married can lower auto insurance rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.