Engaged Couple Car Insurance Discount

Some companies now offer Engaged Couple Policies that allow you to add your future spouse to your insurance policy. With this policy, you can receive an engaged couple discount, but you must get married within 12 months of your engagement. By insuring yours and your future spouse's vehicle under the same provider you can also qualify for a multi car discount of 10-25 percent.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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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

UPDATED: Jul 16, 2021

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The Rundown

  • Some companies offer Engaged Couple Policies that allow you to add your future spouse to your insurance policy
  • You can receive an engaged couple discount on this policy as long as you get married within 12 months of the engagement
  • Consider insuring you and your future spouse’s vehicles with the same provider for a multi-car discount

If you’ve recently become engaged to be married, then congratulations! You’re no doubt thrilled to be setting the date for your wedding and settling down with your future spouse. But did you know that you could receive an engaged couple discount on your car insurance?

Many married couples receive discounts for bundling their insurance policies under one carrier, but now some of the best insurance companies are also offering these same discounts to engaged couples as well.

Some stipulations apply, so keep reading to learn how you can become eligible for an engaged couple discount and other ways to save on insurance with your future spouse.

But before you do, enter your ZIP code into our free comparison tool to find affordable engaged couple car insurance from providers in your area.

How do I qualify for an engaged couple discount?

Fortunately, as you get ready to tie the knot, there are several insurance discounts available to you to help you both save money as you start a new life together. If you’re looking for cheap car insurance, a couples insurance discount could be a game-changer.

For example, some companies are now offering Engaged Couple Policies. An Engaged Couple Policy is a shared policy for individuals who are not yet married.

However, in order to qualify for this Engaged Couple Policy, you must be scheduled to be married within 12 months of the engagement.

Having this policy allows you to receive an engaged couple discount similar to a married couple discount. You will be able to add your future spouse to your insurance policy before the wedding, leading to significant savings.

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What are other ways engaged couples can save on car insurance?

If you and your future spouse are each bringing separate cars into your relationship, there are other ways you can save on car insurance as well.

One thing you can do is start a joint policy or a multi-car policy. You can insure both cars with the same carrier and become eligible for a multi-car discount.

However, since you’re not yet married, the insured cars on the plan will have different legal owners. This can be seen as risky to some insurance providers but if you’re planning on getting married soon anyway, then you’ll be able to switch to a married couples insurance policy later.

This is still a great way to save because you can save from 10 to 25 percent on car insurance with a multi-car policy. And later on, if you bundle your car insurance and home insurance with the same provider you can save even more.

Once you get married, your insurance rates will drop as well. This is because married couples are seen as less risky than their single counterparts and thus less likely to file claims.

In fact, according to a 2004 study by the National Institutes of Health, singles are twice as likely to get into car accidents as married drivers. Who would have thought that marital bliss could also lead to safer driving and savings on car insurance?

Now that you know all about engaged couples insurance, enter your ZIP code into our free comparison tool below to find affordable engaged couples discount car insurance from providers in your area.

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