Combining Car Insurance After Marriage

Auto insurance companies offer discounts for married drivers. Combining car insurance with your spouse can save a lot unless one spouse has a much worse driving record. Cheap auto insurance for married couples is almost always going to cost less than two individual policies. Combining car insurance after marriage is a great way to save on auto insurance policies. Cheap combined car insurance is easy to find. Learn why you should combine car insurance with your spouse and other ways to save below.

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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 ...

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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: Jul 19, 2021

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Getting married has many financial benefits that couples can take advantage of. If you’ve been married for a while, then you’re probably well aware of these benefits and have been taking advantage of them for many years.

Newlyweds, however, might not be aware of all the savings that they can get from being married — and the cheap car insurance rates they may now qualify for. If you need to see what car insurance rates you might qualify for, you can start your search for newlywed auto insurance with our FREE tool.

Car Insurance for Married Couples – Joining Your Auto Policies

There is a long-held perception that married couples are more careful behind the wheel because “settling down” makes them more cautious in general. Whether this is true in reality or not, insurance companies are willing to offer discounts to married partners who want to combine car insurance policies after marriage. And you can take advantage of this belief in order to save on your household expenses.

The one thing that can throw a wrench in this plan is if one of you has a tainted driving history. Because combining your policies into one will raise your joint premium for both drivers, even if only one of you has a recent history of accidents or tickets.

Car Insurance Rates for Clean vs. Tarnished Driving HistoriesLegend: Two Drivers (Blemished Record) Two Drivers (Clean Record) FloridaIllinoisNew YorkTexasCalifornia 153045607590105120135150165180195210225$195$170$46$35$121$97$226$171$76$68

There are other reasons to get separate policies, also. Having mismatched vehicles, for example, will alter your insurance rates in a more expensive direction if you share a policy. This is especially true if an older, owned vehicle that requires less coverage is put onto a full-coverage policy for a brand new, financed, or leased vehicle. You could save much more money by putting that older vehicle on a separate policy with liability-only coverage.

Just make sure that you get your new insurance policy before canceling your old one(s). Doing it the other way around could prove disastrous. A lapse in coverage by only a few days might increase your premiums significantly. And that coverage lapse could even lead you to be denied coverage on your new policy.

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Married Couple Car Insurance and Tangible Discounts

Being married actually comes with many more discounts than people think. And there are different ways to mix and match your discount in order to get the biggest benefit. For example, you can save money by putting both drivers and both of your vehicles onto the same policy:

Combine Auto Insurance Policies for SavingsLegend: 2015 Honda Accord 2012 Kia Rio Two Cars Together Total Monthly Savings FloridaIllinoisNew YorkTexasCalifornia 153045607590105120135150165$100$114$170$44$22$26$35$13$64$67$97$34$122$101$171$52$47$47$68$26

Marriage & Car Insurance: Should You Combine Policies?

You can also combine your homeowner’s insurance with that of your auto insurance policy. Not only will your insurance provider reward you with discounts for the extra business, but being reliable enough to purchase a home (especially in this economy) can really lower your insurance rates.

Lastly, where you and your partner live will contribute to how much you pay each month, so plan accordingly. Urban areas, especially areas with high rates of theft, will cost you more in premiums. But you can help reduce such expenses by installing a passive anti-theft alarm. And since most urban areas are high-traffic also, you can save money by driving fewer miles each year.

But at the end of the day, the most efficient way to get lower premiums on your car insurance is to shop around. Compare different rates from multiple companies in your zip code. And for that fast, free service, look no further than

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