Car Insurance for Domestic Partners

Car insurance discounts for domestic partners in your state may be exactly the same as discounts for married couples. This does mean that rates for one person may affect the other.

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Chris Tepedino is a feature writer that has written extensively about auto 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 Cinncinati.com. ...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jun 27, 2022

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There was a time when living with your partner without getting married first was considered taboo — but these days, times are changing.

Even if you don’t have a marriage certificate to certify that your love is true, you and your domestic partner may still exemplify many of the same attributes — such as settling down, combining insurance policies, and just driving more carefully in general — which your insurance provider would like to reward, just like auto insurance discounts for married couples, with discounted domestic partner car insurance.

Whether you’re shopping for auto insurance discounts for domestic partners or just looking for yourself, comparing rates is the best way to ensure you’re getting the cheapest auto insurance rates. You can search for the best auto insurance rates for domestic partners with our FREE tool now!

Car Insurance for Domestic Partners

For starters, you’re going to need to do some research on the laws surrounding civil unions and domestic partnerships in your state and county. Different states have different qualifications and will require different documents as proof.

A strong domestic partnership can yield other benefits and discounts, too. For starters, borrowing each other’s vehicles (or using one vehicle for most of your travel, and the other sparingly) can help lower your yearly mileage in ways that produce discounts. You can also apply for a single auto policy with multiple vehicles, which is usually cheaper than having two separate policies for each car or truck.

Separate vs. Bundled Insurance Policies

Legend:
Two Cars Together
2015 Honda Accord
2012 Kia Rio
Total Monthly Savings

Florida
Illinois
New York
Texas
California

15
30
45
60
75
90
105
120
135
150
165

$170
$100
$114
$44

$35
$22
$26
$13

$97
$64
$67
$34

$171
$122
$101
$52

$68
$47
$47
$26

However, if either of you has a tarnished driving history, you might want to think twice about combining your policies into one. A domestic partner with a clean record and a partner with accidents, tickets, or both on their record might actually save money by keeping their policies separate. Your insurance agent can give you more information on this phenomenon.

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Auto Insurance for Domestic Partners and State Law

State laws, no matter how conservative, are prohibited from allowing an insurance company to discriminate against you and your domestic partner if you have the proper documentation to prove your status. If you believe you are owed discounts or wish to take out a joint insurance policy with your domestic partner and are denied coverage, you should contact your state bureau of insurance for more information on your rights.

Domestic partnership laws are relatively young, but that doesn’t mean your insurance company can ignore them. They originated in 2005 in the state of California, and have gradually spread across the country gaining the same momentum and legal status as a traditional marriage certificate. It doesn’t even matter whether you are a member of a same- or opposite-sex domestic partnership; if you can prove your status with the proper documentation, then your insurance company must recognize your partnership and treat you equally.

If you and your domestic partner really want to save money, you should also make sure that you shop around for the best prices near you. Getting auto insurance may seem stressful, but if you take the time to consider your options, you may find you end up with a great rate and a better understanding of the process. 

Want to compare auto insurance companies to find the best rates? Just enter your ZIP code into our free comparison tool to get started.

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