How to Get an Engaged Couple Discount

One way to save on auto insurance rates is with an engaged couple discount, but you’ll need to plan on getting married within the next 12 months to qualify. Insurers like Country Financial offer engaged coupled discounts, and you can save an average of 10% on your rates. Engaged couples can also look at multi-car, bundling, good credit, and good driver discounts. Save even more on couples insurance by comparing engaged couple discount auto insurance rates from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 14, 2021

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Things to Remember

  • Insurance companies may perceive engaged couples as lower risk to insure
  • You can save up to 10% on your rates with an engaged couple discount
  • To qualify for an engaged couple discount, you’ll need to be getting married within the next 12 months

One way to find cheap auto insurance rates is to look for discounts like bundling or multi-car. But there are also discounts available based on your life choices. One example is if you’re engaged to be married, in which case you may qualify for an engaged couple discount.

How much can you save with an engaged couple discount, and how can you qualify? What is the best engaged couple discount auto insurance company? Read this article to find out.

Before we get started, why not enter your ZIP code in the tool on this page to get free engaged couple discount auto insurance quotes today.

How much can I save with an engaged couple auto insurance discount?

Married couples are typically perceived as lower risk because insurers assume they are more responsible, more financially stable, and even have longer lives than single people, which can mean lower car insurance rates.

As a result of the lower risk associated with married couples, some insurance companies also reward engaged couples with rate discounts.

In most cases, you’ll need to plan on getting married within the next 12 months to be eligible for this discount. You’ll save an average of 10% on your rates when you qualify.

Can you buy joint auto insurance if you’re not married?

Can an unmarried couple combine auto insurance? Some insurance companies offer you the option of buying a joint car insurance policy even if you’re not married.

If you decide a joint policy isn’t for you, you’ll likely still need to list your fiance or partner on your policy if you live in the same household.

Where can you buy engaged couple discount auto insurance? Keep reading to find out more.

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What are the best insurance companies for engaged couple auto insurance discounts?

Country Financial offers a 10% discount specifically for engaged couples, but there are more car insurance discounts that engaged couples can qualify for, particularly if they share a household, including claim-free discounts, multi-car discounts, and discounts for good credit.

Take a look at this table for more auto insurance discounts for engaged couples:

Other Auto Insurance Discounts for Engaged Couples
Insurance Companies Offers Good Credit Discount Offers Homeowner DiscountOffers Multiple Policies DiscountOffers Multiple Vehicles DiscountOffers Claim Free Discount
21st CenturyNoYesYesYesYes
American FamilyNoNoYesYesYes
Country FinancialNoYesYesYesYes
Liberty MutualNoYesYesYesYes
Safe AutoNoYesNoYesYes
State FarmYesYesYesYesYes
The GeneralNoYesYesYesYes
The HanoverNoYesYesYesYes
The HartfordNoYesYesYesYes
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With these discounts, you can save up to 35% on your auto insurance rates depending on your specific situation, insurance company, and more.

Engaged Couple Auto Insurance Discount: The Bottom Line

Affordable engaged couple discount auto insurance is available with many insurers, and you can save up to 10% on your rates when you’re engaged.

A joint policy may be an option, particularly if you live in the same household. Whether you have a joint policy or not, most insurance companies still require you to list all drivers in your household on your insurance policy if there’s any chance they’ll be driving your vehicle.

Start comparing free engaged couple discount auto insurance rates today. Enter your ZIP code below to get started.

Frequently Asked Questions: Engaged Couple Auto Insurance Discounts

If you still have questions about how to get engaged couple car insurance discounts, read these frequently asked questions for more information on engaged couple discounts, couples insurance, and more.

Does getting married affect your auto insurance rates?

Married people are often perceived to be more stable and responsible, and therefore present a lower risk to insurance companies. This can mean lower insurance rates. Additionally, companies like AAA, Esurance, and Liberty Mutual offer auto insurance discounts for married couples.

State laws can affect how your marriage influences your auto insurance rates, so you’ll need to check local laws to find out what this means for your rates.

To get the cheapest auto insurance for married couples, compare rates from multiple companies to save.

Are you required to include your spouse on your auto insurance?

Yes, most major insurers require policyholders to list all licensed drivers in a household on the policy. When you’re looking to combine auto insurance, you can do so by working with your insurance company to add your spouse to your policy.

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