Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 24, 2020

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Things to remember...

  • Insurance companies ask about marital status when giving a quote
  • Being married often shows maturity and therefore identifies you as a lower risk
  • Multi-driver discounts are often applicable from insurance companies

When you’re looking at the cost of car insurance, the insurance companies calculate the cost of your premiums based on many factors.

Whether you’re single or married will often have an impact on the total cost of coverage. However, if you’re married but have proven to be an unsafe driver, your marital status might not help you. If you’re not married, it’s still possible to get discounts.

You may be surprised by how much money you could save on car insurance by using a comparison tool. Enter your zip code into our tool today and see just how much you could save!

Why Married People Often Get More Affordable Premiums

One of the questions that an insurance company will ask you when you’re shopping for insurance quotes is if you are married. Being married could save you money on your premiums because insurance companies see you as being safer on the roads.

Marriage identifies you as being lower risk and therefore the insurance companies are going to lower your premium.

Of the various auto crashes, there is a higher percentage among those who are not married, whether they are single, divorced, or widowed.

Many insurance companies view being married as having someone else to live for and assume you are going to be safer on the road and take fewer risks. You would be less likely to speed and drive recklessly.

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Factors that Insurance Companies Use to Calculate Insurance

Insurance companies use a variety of factors to determine the cost of insurance. Not all insurance companies use the same factors on the same level. This is why it’s important to get quotes from multiple companies and compare the costs.

Some insurance companies may factor marital status in considerably different ways than other insurance companies.

Some of the top factors used to determine the cost of car insurance include:

Although insurance companies will often lower your insurance costs if you are married, it isn’t the only thing that is taken into consideration.

For example, if you have had a number of accidents in the past, drive an older car with very few safety features, and live in a zip code where there are a large number of accidents, being married is likely not going to have a significant impact on saving you money.

The same is true if you are not married but live in a zip code where there are very few accidents, have a clean driving record, and drive a newer car that is loaded with safety features.

Insurance companies are going to look at the whole picture. It also means that it’s critical for you to look at quotes from several carriers so that you can determine where you will be able to get the best deal.

Other Discounts Might be Applicable to Married Couples

Married couples might qualify for several other discounts that insurance companies don’t tell you about right away. When you get an online quote, you are asked about who will be driving the vehicle. If there is a second driver, their information needs to be included as well.

Insurance companies will also look at how many vehicles are on the car insurance policy. Often, it’s more affordable to have two cars on a single policy as opposed to each of those cars being on individual policies.

Many married couples have their own vehicles. When they get married, they combine policies into one and save money on their car insurance.

Other discounts that might be available include employment-based or organization-based ones. One spouse could get a discount based upon the industry they work in or a specific organization that they are a member of such as AAA or a teacher union.

These discounts would be applied to the entire policy, thus allowing the premium to be more affordable for the couple as a whole.

Often, married couples will get cheaper car insurance. However, there are various factors used by insurance companies to determine the true cost of a premium.

You need to look at the factors as they apply to you to calculate how much you are going to pay in order to gain the necessary coverage.

Compare car insurance quotes right here to find out how much you could save on auto insurance!