There are tons of details that need to be taken care of before and shortly after you get married. At that point, the last thing on your mind may be your car insurance, but it’s smart to make it a priority. After all, getting married changes your life in a number of ways, and that includes impacting your car insurance rates. Married drivers typically pay less on average than single drivers — but that’s not always the case.

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The reason why being married can impact the cost of your car insurance is that there are a number of factors that determine how much you pay in premiums for your car insurance policy, and your marital status may be one of them. Insurance providers consider married drivers to have a different level of risk, and there may be additional discounts that married drivers can qualify for. If you’re wondering how car insurance can vary by marital status, Bankrate breaks down the information you need to know below.

Does marital status impact car insurance?

One of the questions you will be asked to answer on an application for auto insurance is whether or not you are married. Marital status is one of the many factors that influence the cost of insurance premiums, although the impact is generally small. Insurance providers assign rates based on risk and married people are generally considered to have a stronger financial foundation than single individuals, reducing their insurable risk. This means auto insurance rates may be lower when you are married.

As of 2022, there was one state that did not allow marital status to factor into the cost of insurance rates: Michigan. In states that do allow it, marital status is only one factor among many that play a role in determining your premium. Other factors that may also play a role in your car insurance rate include the make and model of your vehicle, your age and credit-based insurance score (in most states), ZIP code and other factors.

Car insurance rates by marital status

The table below shows the difference a married driver might pay versus a single driver. The rate is based on the national average cost of full coverage car insurance per year. A licensed insurance agent can provide a more accurate quote of your individual rates, whether you are married or single.

Marital status Average annual full coverage car insurance premium
Single $1,771
Married $1,668*

*Based on average rates for one car with a married driver listed on the policy

Car insurance for married drivers

When you get married, it is possible for your premiums to decrease. You will typically need to add your spouse to your policy or submit an application for a new policy and add them as a driver. In rare cases, you and your spouse may be able to have separate policies, but most carriers require all eligible drivers living in the household to be added as a driver. With this in mind, there may be little to no financial benefit by keeping your policies separate.

Primarily, the simple act of transitioning two separate policies between you and your spouse to a single shared policy will usually reduce overall expenses. It is generally cheaper to have two people and two or more cars on the same policy than it would be to have a different policy for each car, especially considering that both spouses will have to be added as drivers.

Not only does being married increase the chances of earning lower premiums, but it could help you qualify for additional discounts. While a “married discount” isn’t common, there are several discount opportunities available that you will likely qualify for once you are married. This could include policy bundling, multi-driver or a multi-car discount. When you do get married, be sure to submit the changes to the insurance provider and take advantage of all available discounts.

Car insurance for single drivers

Gender may also factor into auto insurance rates in addition to marital status. Typically, married female drivers pay less than married male drivers, but single female drivers who are age 40 may pay the highest full coverage rates on average. Otherwise, insurance rates for males tend to be higher at nearly every other age.

Single drivers also have access to a variety of discounts, including safety equipment on their vehicles, claims-free driving, auto-pay or good student discounts. A licensed insurance agent can provide exact quotes for your individual policy while also helping to ensure you take advantage of as many discounts as possible.

Car insurance rates by marital status and company

Although individual rates are based on each driver and may vary, the chart below illustrates the difference married drivers may pay versus single drivers. These rates — gathered from Quadrant Information Services — were pulled from the top car insurance companies, based on market share size.

Average annual full coverage car insurance premium

Car insurance company Single Married
Allstate $2,438 $2,218
Geico $1,297 $1,263
Progressive $1,561 $1,478
State Farm $1,397 $1,392
USAA $1,209 $1,038

Does being divorced affect car insurance?

Getting divorced can impact how much you pay in auto insurance premiums. When you are married and living together, you are joint owners of the policy. However, when you get divorced and live in separate homes, you will need separate policies. This can impact your rates when you apply as an individual. If you have children who have access to either you or your ex-spouse’s insured vehicles, it’s important to ensure they are added to both policies as a driver to ensure proper coverage.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Marital status: Rates were evaluated based on the following marital status: single (base), married 40-year-old man and woman with one vehicle.