How to Get a Married Discount

Depending on your provider, you and your spouse might qualify for a married discount on car insurance. You can buy married discount auto insurance from 14 national providers, and customers typically save an average of 5% on their annual premiums with an affordable married discount. However, some companies refer to insurance bundles as a married discount instead of rewarding you with a rate reduction.

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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 30, 2021

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Things to Remember

  • Currently, 14 national auto insurance companies offer a married discount to drivers
  • Customers save 5% on their annual premiums on average by earning this discount
  • Sometimes married discounts refer to insurance bundles instead of specific rate reductions for getting married

You and your spouse can earn a married discount on auto insurance from 14 national providers. Customers save an average of 5% on their annual premiums by qualifying for this discount.

Keep reading to discover which companies offer this savings opportunity and learn about other auto insurance discounts married couples can take advantage of.

After learning where to buy married discount auto insurance, remember to enter your ZIP code into our free rate tool above to compare car insurance quotes from the top providers in your region.

How do you qualify for a married discount on your auto insurance?

Qualifying for a married couple auto insurance discount is typically as simple as getting married and providing proof to your insurer.

While some auto insurance discounts are applied automatically, others, like a marriage discount, require you to speak directly to an agent. Otherwise, the company has no way of knowing that you tied the knot and are now eligible for the rate reduction.

If you were married before purchasing your auto policy, inform your agent and ask about earning the rate reduction during the application process.

If you got married after purchasing a policy, tell your insurer, and you’ll earn the discount when your policy renews.

Failing to inform your insurance company of your marriage puts you at risk of not receiving the discount.

Typically, this discount does not expire as long as you stay married and do not switch providers. But because auto insurance laws vary by state, this discount may not be available where you live, so shop around to see what kinds of auto insurance discounts are available to married couples in your area.

Some companies, like GEICO, offer the marriage discount, not as a rate reduction, but instead refer to a discount for purchasing multiple lines of insurance or naming multiple drivers under one policy.

Does GEICO give you a discount for being married? Technically, no. But you and your spouse are likely to earn cheaper auto insurance rates because you’ll qualify for multi-car and multi-policy discounts. The same goes for the State Farm marriage discount, but you need to purchase multiple lines of coverage or insure numerous vehicles to qualify.

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What auto insurance companies offer a married discount to drivers?

At least 14 national auto insurance companies offer married discounts to customers, and most drivers save 5% off of their insurance bill on average by earning this deal.

Take a look at the complete list below and determine if you already use a married discount auto insurance company:

Local agencies near you might also advertise this savings opportunity to customers. However, you’ll notice there’s no Allstate or GEICO marriage discount.

Fortunately, those providers offer other discounts married couples usually qualify for, including multi-car, multi-policy, and homeowner discounts.

You and your spouses’ ages, driving records, and coverage requirements also impact your auto insurance premiums. Therefore, to find the best insurance providers for married couples in your region, compare quotes online from multiple companies and ask about additional discounts.

Why does getting married affect auto insurance?

Marriage is a milestone event in many people’s lives, often leading to homeownership, children, and other life changes. To insurance providers, these changes also prove you’re responsible and lower-risk to insure. According to the Centers for Disease Control and Prevention (CDC), married people over 25 live longer than those who never married or are divorced.

Do married people get cheaper auto insurance for these reasons? That depends. Some companies offer more affordable base quotes to married people, especially if you’re younger than 30.

Typically, though, married couples earn cheaper rates because they qualify for more substantial discounts, including:

  • Multi-policy discounts
  • Multi-driver discounts
  • Multi-vehicle discounts
  • Homeowner discounts

While single people can still also qualify for these savings, it’s usually easier for married couples.

When should you combine auto insurance policies with your spouse?

In most cases, combining auto insurance policies with your partner makes sense both financially and for convenience. You’ll usually get a lower rate, and you’re both covered to drive one another’s vehicles under one contract without any lapses in coverage.

However, to accurately determine if it’s worth combining auto policies with your spouse, compare quotes online from different providers.

If one partner has an imperfect driving history or only a fair credit score, name the other person as the primary driver. Spouses with clean driving records who are low-risk drivers typically save money on auto insurance when combining policies.

At the very least, add your spouse as a named driver on your policy so your insurance covers them if they get into an accident while driving your vehicle.

When should you and your spouse purchase separate auto insurance policies?

In some rare cases, couples should stick with separate auto insurance policies. This includes people with poor credit, bad driving records, or luxury or collectible car owners.

If your spouse has bad credit and you purchase a joint policy, it will negatively impact your rates even if you have good credit.

In places where it’s legal, people with poor credit pay higher than average rates for auto insurance. Take a look at how a credit score affects annual auto insurance costs in the table below:

Average Annual Auto Insurance Rates by Credit Score
Credit ScoreAverage Annual Auto Insurance Rates
Good$3,014.49
Fair$3,581.83
Poor$5,188.70
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Similar to bad credit, a bad driving record also heavily influences auto insurance prices. If your spouse received multiple traffic citations, a DUI, or caused a few accidents, they’re considered a high-risk driver.

Adding a high-risk driver to a policy usually causes rates to skyrocket. As a result, some providers might deny their coverage altogether. See how different traffic violations impact annual auto insurance rates in the table below:

Average Annual Auto Insurance Rates by Driving Record
Driving CitationAverage Annual Auto Insurance Rate
Clean record$3,328.16
With 1 speeding violation$3,617.80
With 1 accident$4,303.39
With 1 DUI$4,464.00
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To earn your lowest rates as a married couple with one high-risk driver, consider purchasing separate policies.

In addition, encourage your partner to work with carriers that specialize in high-risk insurance. They can also enroll in a driver’s education course to minimize their higher than average insurance costs.

Finally, if your partner owns a luxury vehicle, sports car, or collectible car, you might save money by insuring that vehicle on a separate policy. These types of cars are typically more expensive to insure than average.

You can also exclude your partner from your insurance policy, which means they will not be factored into your quote. But if you choose to do this, never let them drive your vehicle.

If you don’t add or name your spouse on your policy and they get into an accident, it’s a violation of your insurance contract. You’ll be responsible for paying for all damages out of your own pocket.

How can married couples save money on auto insurance?

Marriage impacts your taxes, retirement, and even your social security. You even become liable for your spouse’s finances and debt. Fortunately, married couples can save money on auto insurance by qualifying for other great discounts.

Be sure to ask insurance companies about the following car insurance discounts:

  • Family plan discounts
  • Family legacy discounts
  • Multi-car discounts
  • Multi-policy discounts
  • Homeowner discounts
  • Multiple vehicle discounts
  • Group or membership discounts
  • Occupational discounts
  • Good driver discounts
  • Low-mileage discounts

Keep your rates low by practicing safe driving techniques or consider using a pay-per-mile or usage-based insurance policy if you don’t drive very often.

Remember also to shop around and compare rates every once in a while to ensure your family is paying the lowest possible prices.

Married Discount on Auto Insurance: The Bottom Line

Overall, a marriage discount is an easy way for couples to save money on auto insurance. To truly take advantage of all of the savings opportunities available to married couples, be sure you also shop around and compare premiums and discounts from multiple providers.

Now that you’ve learned about where to find affordable married discount auto insurance rates, it’s time to compare auto insurance quotes from the top companies near you by entering your ZIP code into our free tool below.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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