Best Auto Insurance Companies for Married Couples (2024)

Whether you’ve been married a while or recently tied the knot, buying insurance as a couple is one of the many joint financial tasks that come with marriage.

Is car insurance cheaper if you’re married? The good news is that auto insurance for a married person will likely be more affordable for many reasons.

Finding affordable car insurance for couples can take time and effort. The right pick for your needs may differ from your friends or neighbors, but there are ways to rank the top insurance companies for rates, auto insurance discounts for married people, and customer service. 

Even if you’re not married, saving money on car insurance is a big win. The easiest and quickest way to save is to compare live auto insurance quotes from different companies.

Keep reading to learn the best car insurance companies for married people and how to merge your auto insurance needs.

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The Best Auto Insurance Companies for Married People

What makes an insurance company better for married people? The factors affecting auto insurance rates are the same at all companies, but each determines how much weight to give to each factor.

Consequently, some companies offer lower rates to married couples because they put more weight on marital status as a risk factor.

Why does marital status affect car insurance rates? Is insurance cheap for married couples? Insurance companies rely on statistics to decide which drivers pose a higher risk than others.

Statistically, married people pose a lower risk because they tend to be more cautious and financially responsible than unmarried people.

Studies have shown that even younger married couples are better off financially, resulting in fewer claims and a lower likelihood of unpaid insurance bills.

Insurance companies also differ regarding available discounts. For example, some may have a specific family or married discount, whereas others may offer general discounts, like multi-vehicle discounts and other bundling options.

We’ve ranked the best insurance companies for married couples here based on overall rates, discounts, and the company’s reputation.

The companies that made our list have the lowest rates for married couples and offer multiple discounts to help reduce those rates even more. Read on to see how the top 10 auto insurers for married couples stack up.

#1 – USAA

Average Monthly Rate: $129

Available Discounts: Multiple policies (10%), Multiple cars (7%)

Customer Rating: 4.73

USAA tops many of the lists of cheapest companies, and thanks to stellar customer service ratings, it ranks highly. The downside to seeing USAA auto insurance at the top of the list is that not everyone is eligible for coverage. USAA covers only military members and their families.

If you qualify, the rates are low, and the discounts sweeten the deal. You also qualify if you’re married to someone who qualifies for USAA coverage. 

#2 – State Farm

Average Monthly Rate: $173

Available Discounts: Multiple policies (17%), Multiple cars (20%)

Customer Rating: 4.1

State Farm is the biggest insurance company in the country for a good reason. It offers top-rated customer service, solid policy options, and low rates.

State Farm’s cheap rates often surprise people since companies using a captive agent system are often more expensive due to the cost of agent commissions.

Often, State Farm is among the cheapest companies, particularly for low-risk categories like married people, since the available discounts are hefty.

#3 – Travelers

Average Monthly Rate: $182

Available Discounts: Multiple policies (13%), Multiple cars (8%)

Customer Rating: 4.08

Travelers auto insurance comes in one spot higher on our list than American Family with a slightly lower average rate, and a slightly higher customer rating, helping make up for lower discount percentages.

It’s worth noting that most insurance companies vary the discount amount. They differ from location to location and are generally “up to” numbers, meaning you could save that much in the right circumstances.

Huge discount percentages are impressive but may not apply to everyone, making the average base rate a more significant selling point.

#4 – American Family

Average Monthly Rate: $184

Available Discounts: Multiple policies, Multiple cars (total of up to 29%)

Customer Rating: 4.04

American Family’s website doesn’t differentiate between the multi-car and multi-policy discounts, providing a total available discount of up to 29%. For bundling, 29% is a significant discount, and that’s on top of other potential savings.

The company is highly rated and known for rates varying significantly from state to state, meaning you might get a lower rate and larger discounts in some places.

#5 – Progressive

Average Monthly Rate: $186

Available Discounts: Multiple policies (5%), Multiple cars (4%)

Customer Rating: 4.06

For years, Progressive and Geico have been battling it out for the top spot among direct-sales car insurance companies. While Geico still holds the number two spot for market share nationwide, Progressive edges them out on our list.

Progressive’s listed discounts for married couples aren’t as impressive as Geico’s, but the rates start lower. Progressive also has several discounts available to everyone, which makes saving even easier.

#6 – Geico

Average Monthly Rate: $192

Available Discounts: Multiple policies (N/A), Multiple cars (25%)

Customer Rating: 4.11

Geico auto insurance is typically one of the cheapest options, but its position on this list shows its rates aren’t always below the competition. Of course, that doesn’t mean it’s not a good option, but it shows how different demographics can impact rates.

The multiple car discount can save you a lot of money even if there isn’t a specific Geico marriage discount. Additionally, while Geico doesn’t write home insurance, there’s still a discount available.

The Geico insurance agency can connect customers with partner companies for home insurance, and you’ll get a discount on your car insurance rates in return. However, the discount amount isn’t available.

#7 – Nationwide

Average Monthly Rate: $198

Available Discounts: Multiple policies (20%), Multiple cars (10%), Family Plan (25%)

Customer Rating: 4.02

Nationwide’s Family Plan and multi-car discounts combine for a hefty 30% in potential discounts. That’s not counting up to 20% in savings if you have other policies with the company. 

Even if you don’t own a home, renters insurance for married couples is affordable and earns you an additional discount on Nationwide auto insurance.

Bundling insurance is one of the easiest ways to get a discount, and it’s often one of the more significant available discounts.

Nationwide starts with a low average rate you can cut with available discounts, making it a smart pick if you want to bundle coverage.

#8 – Farmers

Average Monthly Rate: $213

Available Discounts: Multiple policies (20%), Shared family car (N/A)

Customer Rating: 3.99

Farmers Insurance tends to cater to low-risk drivers, so it shouldn’t surprise you that its rates for married people are lower than the company-wide average.

While Farmers doesn’t list the discount percentage for its multi-car discount, the website says customers can save up to 20% with multiple line discounts, including car, home, and life policies. Of course, the more Farmers policies you have, the closer you’ll be to the 20% mark.

#9 – Allstate

Average Monthly Rate: $262

Available Discounts: Multiple policies (10%), Multiple vehicles (N/A) 

Customer Rating: 4

Allstate offers married couples a discount for multiple policies and for having more than one car insured. Additionally, the company’s rates for married people start lower, landing it higher on the list. So a 10% discount on an already low rate may save you more than a large discount on a higher rate.

Allstate also has many other discounts for unmarried and married drivers, meaning it’s easy to get a lower rate than average.

Additionally, Allstate’s slightly higher customer service rating landed it higher on the list than Liberty Mutual.

#10 – Liberty Mutual

Average Monthly Rate: $319

Available Discounts: Multiple policies (20%), Newlyweds (5%)

Customer Rating: 3.97

Liberty Mutual is generally a pricy insurance company, but it offers its best rates to safe drivers and heavily favors things like marital status. As a result, its average rates for married people are considerably lower than the overall average rate.

There are two available car insurance discounts for married couples. The first is the common multiple policy discount, and the second is the far less common newlywed discount. They total an impressive 25%.

The bad news is you won’t be newlyweds forever, so you’ll eventually lose that discount.

However, you may gain a new discount for staying with the company to make up for it. In addition, if getting married means buying a new home, Liberty Mutual also has a homeowners discount, which you can get even if the company doesn’t insure that home.

Full Results: Auto Insurance Companies Ranked for Married Couples

How much is insurance for a married couple with your insurance company? Rates vary a lot from person to person and depending on your location, so it’s best to get your own quotes to compare.

However, you can look at our full results below for a general idea of how the big companies compare.

Auto Insurance Monthly Rates by Coverage Level and Provider

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A lack of available average rates for many companies makes it harder to rank them, and while most list available discounts, the discount amount isn’t always listed.

You should always compare rates from multiple companies before you buy. Rates differ quite a bit depending on your personal factors, and you might be surprised by the cheapest company for you.

What are auto insurance discounts for married couples?

Car insurance discounts help drivers lower rates significantly. Since most companies offer various discounts based on the driver, policy, and vehicle, most drivers can find multiple ways to save.

Although there aren’t specific married couple auto insurance discounts, couples may be eligible for other discounts.

For example, couples may qualify for multi-car and multi-policy discounts. In addition, most auto insurance companies offer savings if you insure more than one vehicle or have other policies, like homeowners or renters insurance.

Young married couples may also qualify for good student discounts to lower traditionally high rates for young drivers.

Drivers can also get discounts for certain occupations, clean driving records, or vehicle safety features.

This table shows auto insurance discounts from top insurance companies. The savings amount is listed if available.

As you can see, you may be eligible for several discounts. Bundle all the discounts you’re eligible for to see the most savings.

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Do you have to include your spouse on auto insurance?

Can I insure my husband’s car? Can we combine policies?

Most insurance companies require you to include your spouse and other licensed drivers in your household because insurers assume you’ll be sharing a car with your spouse.

However, a joint car insurance policy doesn’t always make sense. For example, if your spouse has a bad driving record or low credit score, your rates may increase if you add them to your policy.

In that case, you may exclude your spouse from your policy. This named exclusion means your spouse may not drive your car, and the insurance company won’t cover a claim if they have an accident.

Remember that not all states allow drivers to exclude their spouses. You may not have a choice whether or not you include your spouse, even if it raises your rates.

Can spouses have separate car insurance? Yes, if you exclude your spouse from your policy, they must get their own policy. However, you may lose some discounts, like the multi-car discount.

Can I have insurance in two states? No, if your spouse lives in another state, the insurance policy must be in that state. You can’t insure the car in both states.

You can have two insurance policies on the same car, but it makes much more sense financially to carry one policy on the car that covers both of you if possible.

Can you share car insurance without being married?

Yes, as we mentioned above, most insurance companies want all licensed drivers listed on your policy. So, whether you live with a partner, teen driver, or others, you may be able to add them to your car insurance.

However, some states don’t recognize certain relationships, such as boyfriend and girlfriend, and the insurer may not let you combine policies. In addition, you may not get the same low rates with unmarried couple auto insurance.

What’s the best way to merge auto insurance?

There’s a lot to consider when combining auto insurance. The first question is if you want all cars listed on the same policy with both of your names.

Can I have two separate insurance policies for two cars? Yes, you can have different policies, but they may be more expensive. In addition, since most insurers offer multi-car discounts, you won’t be saving as much if you have separate policies.

Once you combine your auto insurance, decide how much coverage you need. So if your cars are older, you could lower coverage amounts or raise deductibles if you can pay for repairs yourself.

However, you don’t have to carry the same coverage on both cars. For example, if you drive a newer car and your spouse drives an older car, you may want higher coverage limits on your vehicle.

Next, ensure you have all of the information you need. You’ll need detailed information about each vehicle, such as make, model, and mileage. Some insurance companies will also ask for a copy of your marriage license.

Finally, shop around. Every auto insurance company offers different rates. Compare rates, coverages, and discounts from multiple companies to find the best married couple car insurance for you.

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Best Insurance Providers for Married Couples: The Bottom Line

Many factors affect car insurance rates, such as age, driving record, credit score, location, and marital status. The best auto insurance companies for married couples depend on how each insurer views your factors.

Typically, married couples see lower auto insurance rates since they’re more stable and less risky. However, your rates may still be high if you have a bad driving record or poor credit.

While there aren’t married couple car insurance discounts, married couples can take advantage of other discounts, such as multi-car and multi-policy savings.

If one spouse has high insurance rates, consider excluding them from your policy. While you may lose some discounts, your rates stay lower.

Shopping around is the best way to find auto insurance for married couples. Compare rates from multiple companies to find the best deal for you and your spouse

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