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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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: Aug 11, 2021

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Things to Remember

  • 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.

Auto Insurance Rates for Married Drivers
GroupMarried 35-year-old femaleMarried 35-year-old maleMarried 60-year-old femaleMarried 60-year-old male
State Farm$2,081.72$2,081.72$1,873.89$1,873.89
American Family$2,202.70$2,224.31$1,992.92$2,014.38
Liberty Mutual$3,802.77$3,856.84$3,445.00$3,680.53
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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.

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One DUI
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
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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.

Average Annual Auto Insurance Rates Based on Credit Rating
CompaniesAverage Annual Rates with Good Credit RatingAverage Annual Rates with Fair Credit RatingAverage Annual Rates with Poor Credit Rating
State Farm$2,174.26$2,853.00$4,951.20
American Family$2,691.74$3,169.53$4,467.98
Liberty Mutual$4,388.18$5,604.24$8,802.22
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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 By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device / AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging / StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer / New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingxxxN/Ax$30x$233
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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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.

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

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