How to Get a Newlyweds Discount
Save 5% on your auto insurance rates with a newlyweds discount. However, not many companies offer a specific newlyweds discount, and it doesn’t last long. The good news is that rates are usually lower for married couples, and many auto insurance companies offer a discount for being married. Combine a newlyweds auto insurance discount with other discounts, such as multi-car, for the most savings.
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UPDATED: Aug 11, 2021
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- You can save 5% on your auto insurance when you first get married
- Liberty Mutual is the only top auto insurance company that offers a newlyweds discount
- Married couples generally get lower auto insurance rates and qualify for more discounts
Getting married can be expensive. It’s no wonder newly married drivers look for additional car insurance discounts to help save money.
Liberty Mutual is the only top auto insurance company offering a newlyweds discount. However, smaller local companies may also offer the discount.
While it might be difficult to find affordable auto insurance with a newlyweds discount, most companies offer a discount for being married.
Keep reading to learn more about auto insurance with a newlyweds discount. If you’ve just gotten married, enter your ZIP code to compare free quotes from auto insurance companies in your area.
How do you get a newlyweds discount on auto insurance?
Many different types of companies, such as Amazon and Macy’s, offer newlywed discounts, but it’s hard to find auto insurance quotes with a newlyweds discount.
In fact, Liberty Mutual is the only company that offers it, and you can save 5% on your auto insurance rates with a newlyweds discount.
Although the newlyweds discount doesn’t last very long, most car insurance companies offer a married discount. You usually also have more discounts available to you.
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How does being married affect auto insurance rates?
Although there are many factors that affect auto insurance rates, whether or not you’re married is one of them.
Auto insurance companies tend to believe married people are more responsible in general and more responsible drivers also. In addition, the CDC reports that married people live longer.
Because of this, most auto insurance companies offer lower rates to married drivers.
How much is car insurance for a married couple? This table shows you average annual auto insurance rates based on age and gender for married couples.
|Group||Married 35-year-old female||Married 35-year-old male||Married 60-year-old female||Married 60-year-old male|
Not only are rates cheaper for married couples, but they decrease even more as you age.
What other factors affect auto insurance for married couples?
When you get married, you have to think about combining everything, including your auto insurance.
We’ve already talked about how your marital status affects your auto insurance rates. However, there are other factors to consider when you think about combining policies.
Your driving record and credit score can also have a huge impact on your car insurance rates and might keep you from joining policies.
It’s no surprise that risky drivers pay more for auto insurance. This table shows you average annual car insurance rates based on your driving history.
|Insurance Companies||Average Annual Rates with a Clean Record||Average Annual Rates with One Accident||Average Annual Rates with One Speeding Violation||Average Annual Rates with One DUI|
You can see that accidents, tickets, and DUIs can cost you thousands.
Insurance companies believe that if you have a higher credit score, you are less likely to file claims and will pay out of pocket for damages.
This table shows you the average annual rates based on your credit score.
|Companies||Average Annual Rates with Good Credit Rating||Average Annual Rates with Fair Credit Rating||Average Annual Rates with Poor Credit Rating|
It’s important to note that some states like California don’t allow auto insurance companies to use your credit score to determine rates.
Let’s say you have a clean driving record and a great credit score. Your spouse, on the other hand, has had a few accidents and has a low credit score.
Your spouse is probably paying much more for auto insurance and combining policies can bring your rates up, too.
However, if you both have similar driving records and credit histories, combining policies can earn you extra discounts, such as multi-car or multi-policy discounts.
The best car insurance for married couples will depend on all the factors we’ve discussed and more. Shop around to find the best rates and discounts for you.
How can married couples save money on auto insurance?
In addition to lower rates, there are other ways married couples can save on auto insurance. The easiest way is to take advantage of car insurance discounts.
Most auto insurance companies offer a variety of discounts so that there is something for everyone. Common discounts include safe driver, multi-car, good student, and even discounts for the safety features on your car.
This table shows you available auto insurance discounts from some of the best companies out there. If the amount of the discount is known, it is listed.
|Auto Insurance Discounts||Allstate (%)||American Family (%)||Farmers (%)||GEICO (%)||Liberty Mutual (%)||Nationwide (%)||Progressive (%)||State Farm (%)||Travelers (%)||USAA (%)|
|Adaptive Cruise Control||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Daytime Running Lights||x||x||x||1||5||5||x||N/A||x||x|
|Driving Device / App||x||x||N/A||x||30||40||20||50||30||5|
|Electronic Stability Control||x||x||x||N/A||5||x||x||N/A||N/A||N/A|
|Forward Collision Warning||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Garaging / Storing||N/A||N/A||x||N/A||N/A||N/A||N/A||N/A||x||90|
|Lane Departure Warning||N/A||N/A||N/A||N/A||x||x||x||N/A||N/A||N/A|
|Membership / Group||N/A||N/A||N/A||x||10||7||N/A||N/A||x||N/A|
|New Customer / New Plan||N/A||N/A||N/A||N/A||x||N/A||N/A||N/A||N/A||N/A|
|Paperless / Auto Billing||x||x||x||N/A||x||$30||x||$2||3||3|
|Seat Belt Use||N/A||N/A||N/A||15||N/A||N/A||N/A||N/A||N/A||N/A|
|Students & Alumni||N/A||x||N/A||x||10||7||N/A||N/A||N/A||N/A|
Liberty Mutual, Nationwide, Progressive, State Farm, and USAA all offer a married couples discount.
Keep in mind that auto insurance rates and discounts will be different with every company. Be sure to take advantage of all the discounts you are eligible for to get the most savings.
Discounts aren’t the only way to save money on your car insurance. You should also consider raising your deductible and lowering your coverage amount if you are looking to save money.
Newlyweds Discount: The Bottom Line
Liberty Mutual is the only auto insurance company with a newlyweds discount. You can save 5% by adding this discount to your policy.
Even though it’s hard to find a specific newlyweds discount, most auto insurance companies offer married couples a discount, in addition to lower rates.
Before you buy auto insurance with a newlyweds discount, shop around and compare rates to see which company can offer you the best deal.
If you’re newly married or have been married a while, enter your ZIP code now to compare auto insurance quotes from multiple companies near you for free.