Best Auto Insurance Companies for Married Couples (Top 10 Companies for 2025)
State Farm, Progressive, and Allstate are the best auto insurance companies for married couples, with rates from $32 per month. These companies provide cheap car insurance for couples with clean driving records and high credit scores. Married drivers may save 10–25% with multi-car and bundling discounts.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Apr 23, 2025
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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: Apr 23, 2025
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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11,638 reviewsState Farm, Progressive, and Allstate are among the best auto insurance companies for married couples, with rates starting at $32 per month.
Our Top 10 Picks: Best Auto Insurance Companies for Married Couples
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $123 | A++ | Newlywed Discount | State Farm |
 | #2 | $150 | A+ | Multi-Policy Discount | Progressive |
 | #3 | $228 | A+ | Bundling Discount | Allstate |
 | #4 | $164 | A+ | Accident Forgiveness | Nationwide |
 | #5 | $198 | A | Loyalty Discount | Farmers |
 | #6 | $248 | A | Online Quote | Liberty Mutual |
 | #7 | $122 | A | Homeowner Discount | AAA |
 | #8 | $141 | A++ | Customizable Policies | Travelers |
 | #9 | $166 | A | Membership Perks | American Family |
 | #10 | $83 | A+ | Competitive Rates | Erie |
These companies offer cheap car insurance for couples with clean driving records and good credit scores. Married drivers may save 10–25% with multi-car and bundling discounts.
Married couples can save with multi-car, bundling, and good driver discounts based on the types of auto insurance they select. These companies still offer top rates and coverage.
- Joint policies for married couples start as low as $32 per month with top insurers
- Bundling, multi-car, and clean records lead to significant savings for couples
- State Farm is the top pick for affordability, coverage options, and service
To lower your auto insurance rates, simply enter your ZIP code into our free quote comparison tool to compare your rates against the top 10 best car insurance companies.
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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 offers great online tools, but it prioritizes 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 check with a State Farm agent to see how much you can save, including potential savings from the State Farm marriage discount.
#2 – Progressive: Best for Digital Tools
Pros
- Name Your Price Tool: Find coverage that matches your monthly budget with Progressive’s Name Your Price tool.
- Loyalty Discounts: Stay over a year to earn a loyalty discount and add a Progressive marriage 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 without notice, even though they hadn’t made any changes to their policy.
- Customer Service Quality Varies: Progressive’s customer service reviews are mixed.
#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 options for coverage that can be tailored to your needs, such as new car replacement and extended care, suitable for husband and wife car insurance.
Cons
- Rates Can Be High: The best car insurance for couples won’t be with Allstate, as its rates are usually more expensive than those of other insurance companies.
- 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
Pros
- Bundling Options: If you’re looking for home and auto 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 affordable, but young drivers may find better car insurance rates with other providers.
#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’s no specific discount for married couples, couples’ auto policies can still 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: Liberty Mutual isn’t the most expensive, but it falls short of the best car insurance companies for young newlyweds, which offer lower rates and better discounts.
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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 is an annual fee to remain an AAA member, which helps offset some of the car insurance savings the company offers.
- Coverage Options Vary: AAA operates its insurance programs through regional clubs, rather than a centralized location, which means coverage options vary by location.
#8 – Travelers: Best for Drivers With Bad Credit Scores
Pros
- IntelliDrive: Save up to 30% with Travelers’ IntelliDrive program and lower the average car insurance cost for married couple policies through safe driving.
- Discount Opportunities: Get the lowest auto insurance quotes for married drivers by taking advantage of Travelers’ 15 discounts.
- Budget-Friendly Pricing: Travelers 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 insurance.
#9 – American Family: Best Customer Service
Pros
- Writes Costco Policies: American Family manages Costco auto insurance policies through its company.
- 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 on car insurance for couples, particularly for young married drivers looking to save with joint policies and full coverage options.
- 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 marriage and car insurance discount, but safe drivers can save up to 30% by enrolling in Erie’s YourTurn program.
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.
This table compares monthly auto insurance rates for married couples by coverage level across the top providers. Erie offers the most affordable rates, starting at just $32 per month for minimum coverage and $83 per month for full coverage, making it a top choice for budget-conscious couples.
Auto Insurance Monthly Rates for Married Couples by Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $122 |
| $87 | $228 |
| $62 | $166 |
| $32 | $83 |
| $76 | $198 |
| $96 | $248 |
| $63 | $164 |
| $56 | $150 |
 | $47 | $123 |
| $53 | $141 |
State Farm also ranks among the best, with strong customer satisfaction and low monthly rates of $47 for minimum coverage and $123 for full coverage. Other competitive options include Progressive at $56/$150 and American Family at $62/$166. On the higher end, Liberty Mutual and Allstate have some of the most expensive rates, with full coverage reaching $248 and $228 per month, respectively.
Married couples often save more, but coverage level still affects pricing. For example, increasing your deductible can help lower your monthly premium.Jeff Root Licensed Insurance Agent
Average rates may vary based on factors like driving history, location, and vehicle type, but since even younger married couples tend to file fewer claims and pose lower risk, the best car insurance companies for married couples often offer significantly lower rates and multiple discounts compared to single drivers.
Auto Insurance Discounts for Married Couples
Car insurance discounts help drivers lower their 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.
Top Married Couple Auto Insurance Discounts
| Insurance Company | Anti-Theft | Bundling | Good Student | Safe Driver |
|---|---|---|---|---|
| 8% | 15% | 14% | 10% |
| 10% | 25% | 25% | 18% |
| 25% | 25% | 20% | 18% |
| 15% | 25% | 15% | 15% |
| 10% | 20% | 15% | 20% |
| 35% | 25% | 12% | 20% |
| 5% | 20% | 18% | 12% |
 | 25% | 10% | 10% | 10% |
| 15% | 17% | 35% | 20% |
| 15% | 13% | 8% | 17% |
This table highlights top auto insurance discounts for married couples, including savings for anti-theft devices, bundling policies, good student performance, and safe driving.
State Farm offers the highest good student discount at 35%, while Liberty Mutual leads with a 35% discount for anti-theft features. Most companies provide bundling and safe driver discounts ranging from 10% to 25%, helping married couples significantly lower their monthly premiums.
State Farm car insurance for unmarried couples may also help you qualify for these discounts if you share a household and vehicles, although eligibility can vary by state.
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.
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.
Set up automatic payments or paperless billing, as many insurers offer small monthly discounts that add up for married couples.Aremu Adams Adebisi Feature Writer
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 as much as possible.
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How to Merge Auto Insurance
There’s a lot to consider when combining auto insurance, especially when combining car insurance after marriage. The first question is whether 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, separate auto insurance for married couples is allowed, but it’s often more expensive. Most insurers offer multi-vehicle auto insurance discounts, so combining policies usually saves more.
When combining auto insurance, choose coverage based on each car’s age and value; you may need higher limits on a newer car. Gather details like make, model, and mileage, then compare quotes and discounts from multiple insurers to find the best fit for you and your spouse.
Get Best Car Insurance Rates for Married Couples
Several factors influence car insurance rates, including 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 pay lower auto insurance rates because they are 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.
Frequently Asked Questions
Does getting married automatically lower your car insurance rates?
Not automatically, but many insurers offer lower rates to married drivers because they are statistically less risky. You may need to update your marital status on your policy to see the change.
Is it cheaper to combine car insurance when married and insuring multiple vehicles?
Yes, most insurers offer multi-vehicle discounts when both cars are on the same policy, leading to notable savings for married couples.
Understanding how insurance works can feel complicated, but finding affordable rates doesn’t have to be. Enter your ZIP code for the best insurance rates possible.
Is car insurance cheaper when married, even if one spouse has a poor driving record?
Car insurance is usually cheaper for married couples, but a spouse with a poor driving record can raise household rates. Some insurers allow exclusions to keep costs down. In that case, compare quotes from the best auto insurance companies for high-risk drivers for more affordable separate coverage.
Can you get just married car insurance if only one spouse owns a car?
Yes, just married car insurance is still possible if only one spouse owns a car. The non-driving spouse can typically be added as an additional driver on the policy. In some states, adding a spouse is required, even if they don’t drive the insured vehicle regularly.
How soon should I consider adding my spouse to my car insurance after marriage?
It’s best to update your policy as soon as possible after getting married to ensure proper coverage, avoid potential claim denials, and take advantage of joint policy savings.
Is car insurance cheaper for married couples who bundle policies?
Yes, bundling auto with home or renters insurance often results in additional discounts that can significantly lower the overall auto insurance premium for married couples.
Can married couples have separate car insurance in community property states?
Yes, but car insurance for separated couples can be tricky due to shared financial liability. It’s important to consult an agent to ensure both spouses are properly covered during the separation.
Is car insurance cheaper if you are married, even without a joint policy?
Yes, many insurers offer lower individual rates for married drivers due to their perceived lower risk, even if the policy isn’t shared.
Can a car insurance policy for a married couple exclude one spouse from coverage?
Yes, some insurers let you exclude a spouse from a married couple policy, usually for high-risk drivers. You can do this when you manage your auto insurance policy online or through an agent.
Do married or single people pay more for car insurance in high-risk areas?
While both may pay more in high-risk areas, married drivers still generally receive better rates due to insurers’ favorable risk assessment.
Which group pays more for car insurance, married or single, when under 25?
Young, single drivers under 25 tend to pay the most, while married drivers in the same age group often see lower rates thanks to perceived responsibility.
Is it cheaper to have joint car insurance when only one spouse drives frequently?
It can still be cheaper, but the primary driver’s risk matters most. Adding a second driver may unlock bundling and multi-car savings with the cheapest auto insurance companies.
Can same-sex couples qualify for a marriage discount on car insurance rates?
Yes, legally married same-sex couples qualify for the same marriage discount car insurance benefits as any other married couple. Insurers cannot discriminate based on sexual orientation.
Can switching from single to married status lower your premium in car insurance, married vs single?
Yes, notifying your insurer of a marriage can lead to lower rates. Updating your policy may unlock multi-driver or multi-car discounts available to married households.
Do all household members need to be on Progressive car insurance if they are underage or not yet licensed?
Unlicensed household members are usually not listed, but Progressive may request their information if they are expected to be licensed soon, especially for cheap auto insurance for families with multiple drivers.
Do married couples pay more for car insurance when combining high-value and older vehicles?
They might. If one vehicle requires full coverage and the other does not, the overall premium could be higher, depending on how the coverage is structured.
Does being married make car insurance cheaper if we own separate vehicles?
Yes, combining policies as a married couple with multiple cars can unlock multi-vehicle discounts, which typically result in lower overall monthly premiums.
Does the list of Progressive discounts include savings for paying in full?
Yes, Progressive offers a pay-in-full discount for drivers who pay their premium upfront. It’s one of the best pay-in-full auto insurance discounts for lowering total costs.
Do married couples have to be on the same car insurance policy to qualify for discounts?
Not always, but combining policies often unlocks multi-car and bundling discounts that are unavailable with separate policies.
Is it cheaper to combine car insurance with a spouse if one of us has low credit?
Not always. The spouse with lower credit could impact your combined premium, so it’s worth comparing both joint and separate quotes.
No matter how much coverage you need, you can find the lowest rates by entering your ZIP code into our free comparison tool.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed 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.