Is Car Insurance Cheaper If You Are Married?

Car Insurance is typically cheaper if you are married. Insurance companies consider various factors when setting rates, and marital status is no exception. While marital status is not the only factor determining your insurance, understanding its relevance can help you save on premiums.

In this article, I’ll discuss the factors insurance companies use to set your insurance rate and how being married or single can affect that.

As a licensed insurance agent, I’m here to help you understand how your status impacts your coverage and what you can do about it! 

Marriage And Insurance Rates

Is Car Insurance Cheaper If You Are Married?

A person’s marital status can affect their car insurance rates, as insurance companies may consider factors such as the combined income and driving history of a married couple when setting rates. 

Married couples have lower insurance premiums because insurance companies may view them as more financially stable and less prone to risk than single individuals. 

But the impact of a person’s marital status on insurance premiums can vary depending on the insurance company and the specific policy. 

That’s why I believe it’s a good idea to consider your marital status and its potential impact on your insurance rates when shopping for car insurance and to compare quotes from multiple insurers to find the best rates.

Saving Money on Insurance with Bauple

Learn Tips to Save Money on Insurance!

Our newsletter is packed with helpful tips and resources to help you save money and get the most out of your coverage. Sign up now and join our community of savvy insurance consumers.

The form has been submitted successfully!
There has been some error while submitting the form. Please verify all form fields again.

Marriage And Insurance Premiums

The specific impact of a person’s marital status on their car insurance premiums can vary, but in general, being married may result in lower premiums, while being single may result in higher premiums. 

Marriage And Insurance Coverage

A person’s marital status doesn’t effect what type of coverage they can apply for or qualify for in car insurance.

Insurance companies may give specific discounts (they often do) for those who are married but the coverages available to married couples are the same as the coverage available to single people.

Marriage And Insurance Claims

A person’s marital status doesn’t effect insurance claims. Insurance adjustors see married couples as the same as single people when it comes to claims.

What matters in a claim is which party was at fault and whether anyone was hurt. From that, the adjustors (one from each respective insurance company) will discuss the claim and determine payouts. But married or not married doesn’t determine much at all in these scenarios.


Marriage may lower your premiums and increase coverage options. It’s important to consider your marital status and shop for multiple quotes to find the best rate. Don’t forget to ask about available discounts based on your marital status!