Car Insurance Discounts for Married Couples

Car insurance discounts for married couples can save you 20 percent or more on your monthly premiums. These discounts include multi-car and multi-policy discounts and safe driving discounts if you and your spouse both have good driving records. Read our guide below to see if your qualify for these auto insurance discounts for married couples.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jul 16, 2021

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Getting married gives you a lot of advantages. Not only do you qualify for additional tax deductions, you are also entitled to many different discounts related to insurance policies. Where your car insurance is concerned, you could save hundreds of dollars a year by taking advantage of the discounts that tying the knot makes available to you.

Marriage Equates to Stability

Marriage is considered a stabilizing effect in your life. When you get married, you will find yourself eligible for lower rates based on the premise that a married person is more responsible. The idea is that a married person has to be responsible, and that carries over to being a safer driver on the road, especially if you have children in the car.

Car Insurance Discounts for Married Couples

One way that getting married will lower your auto insurance rates is if you have multiple car insurance policies or more than one type of policy purchased through the same insurance company. Statistics show that it is rare for someone to file multiple claims at the same time, insuring you in multiple ways or for more than one car actually reduces the risk that insurers have to face.

Choosing the Primary Insured

By choosing which partner is the primary insured on your car insurance policy, you can reduce the amount of your premiums. The idea here is for the person with the better driving history and credit score to be the primary, and the partner with the lower credit score and driving history to be listed as an additional driver. This means that you have more leverage over how to purchase your policies and can set them up to achieve the lowest premiums.

Age and Marriage

If one of the partners is under 25 and the other is over 25, you can take advantage of the reduced rates for the older partner to get lower rates across the board. As with credit score and driving history, the older partner, who is getting a discount of up to 20 percent over their spouse, makes a better choice as the primary insured on the policy.

Marriage and Residence Affect Car Insurance

Typically, people begin to buy homes and establish themselves in the community after they get married. Moving into a neighborhood with a crime rate, for example, will result in lower car insurance rates. Similarly, purchasing a home will have a positive influence on your car insurance premiums, as it is used as another way to gauge a couple’s financial responsibility.

There are also other ways to get cheaper car insurance quotes online that you should consider.

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