How to Get a Married Couple Auto Insurance Discount (2024)

Shopping for auto insurance is tedious, especially if you’re a newly married couple combining finances for the first time. So let’s discover auto insurance discounts that help you save money while getting the joint car insurance for married couples you need.

Once you find the right married couple auto insurance discount, you should be well-equipped to get the best policy for your household. Keep reading to learn how you can get cheap auto insurance for married couples and save with a car insurance marriage discount.

Married Couple Auto Insurance Discounts

The best auto insurance companies for married couples offer affordable rates compared to single drivers. Married couples can save up to 10% on coverage. The average car insurance cost for married couples vary by company, though they usually get lower rates.

For example, as of 2023, Erie provides a 10% cheaper insurance rate for married couples compared to a single person. Unfortunately, Erie doesn’t provide nationwide coverage.

Aside from insurance company-specific discounts, married couples may find their rates are lower than average. Generally, married couples have around 6.5% lower insurance plan pricing on average. Lower pricing can be due to married drivers being safer than single or divorced individuals.

Read more about comparing auto insurance rates for married vs. single drivers.

How to Get Married Couple Auto Insurance Discounts

Obtaining auto insurance discounts for married couples isn’t a difficult task. When searching for an insurance plan, you’ll simply inform the insurance company of your marital status. You may receive a lower insurance rate depending on driving records and previous claims.

More turbulent driving records with multiple accidents and claims may result in a higher rate, regardless of whether their spouse has a spotless record. Other factors aside, you’ll want to choose a joint policy for you and your spouse. A joint policy has multiple benefits, such as simplifying finances.

Joint Auto Insurance for Married Couples

Beyond the headache of having multiple policies, sharing a policy allows for more comprehensive coverage with an insurance plan. Separate policies might make it impossible for your spouse to receive coverage or file a claim in an accident since your spouse has to be on your auto insurance policy for proper coverage.

A joint insurance policy will save you and your spouse a headache just to join a single plan. Insurance companies assume married couples on a joint car insurance policy share vehicles. Therefore, separate policies make it so you or your spouse can’t use a vehicle with primary coverage for a single person.

Companies With the Best Married Couple Auto Insurance Discount

As previously stated, the best insurance price for a married couple is from Erie. Erie doesn’t cover people through all 50 states, unfortunately. Still, other insurance companies offer lower rates for married couples.

State Farm is the exception to most insurance companies, as prices won’t differ for single or married couples. However, for other popular auto insurance companies like Progressive, Geico, and Allstate, married couples can expect some form of a discount when purchasing an auto insurance plan.

Progressive offers a fairly competitive rate for married couples at an 8% lower overall rate than the national average. Other insurance companies providing discounts for married couples include Farm Bureau, Travelers, and Nationwide.

Read More:

• Auto Insurance Discounts for Farm Bureau Members
• State Farm Auto Insurance Discounts
• Progressive Auto Insurance Discounts
• Geico Auto Insurance Discounts

While offering discounts across all insurance companies isn’t universal, there are quite participating in this. At the very least, a married couple will likely qualify for a reduced rate if both individuals have a clean driving history.

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You will likely not find many cheap auto insurance options if you or your spouse have a poor driving record. Auto insurance companies check driving records before offering coverage rates.

A joint policy might increase your overall expenses despite having a single bill. With this in mind, it might be worth filing for separate insurance coverage to keep costs down, but it does make vehicle coverage relatively complicated for single-car households.

Get Cheap Joint Coverage With Married Couple Auto Insurance Discounts

There are several ways for a married couple to qualify for a discount on whatever auto insurance types they choose. Some companies might not offer discounts for married couples but still offer reduced rates.

Shop around with various companies to find ones offering the best married couple auto insurance discount. For example, you could save up to 10% with Erie auto insurance as a married couple. Enter your ZIP code into our free quote comparison tool below to find cheap car insurance for married couples today.