Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 24, 2021

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Key Takeaways

  • Most insurers will provide discounts to married couples
  • If your state recognizes domestic partnerships, this could extend to you
  • Even if not, there are other options to save on your premiums

To get the best car insurance coverage for an unmarried couple, you’ll need to find car insurance companies that cover domestic partners. If you know the laws in your state, you should be able to find affordable domestic car insurance quotes in no time at all.

If you want to find rates for car insurance companies that cover domestic partners, enter your ZIP code into our free quote tool.

Companies That Provide Car Insurance for Domestic Partners

Most insurance companies require anyone in a household that will be driving the vehicle be insured under the policy. This encompasses relationships and roommates or family. However, if each driver has their own insurance policy, you may want to combine.

Many traditional companies will offer insurance coverage for domestic partners, and as long as you and your partner don’t have any past accidents or claims, you shouldn’t pay an extravagant amount for your rates.

Below is what you can expect to pay annually from some of the top domestic partner car insurance companies:

Comparison of Average Annual Car Insurance Rates (Top 10 Providers)
ProviderSingle 17-year-old Female Average Annual RatesSingle 17-year-old Male Average Annual RatesSingle 25-year-old Female Average Annual RatesSingle 25-year-old Male Average Annual RatesMarried 35-year-old Female Average Annual RatesMarried 35-year-old Male Average Annual RatesMarried 60-year-old Female Average Annual RatesMarried 60-year-old Male Average Annual Rates
Allstate$9,282.19$10,642.53$3,424.87$3,570.93$3,156.09$3,123.01$2,913.37$2,990.64
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Farmers$8,521.97$9,144.04$2,946.80$3,041.44$2,556.98$2,557.75$2,336.80$2,448.39
Geico$5,653.55$6,278.96$2,378.89$2,262.87$2,302.89$2,312.38$2,247.06$2,283.45
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
Nationwide$5,756.37$7,175.31$2,686.48$2,889.04$2,360.49$2,387.43$2,130.26$2,214.62
Progressive$8,689.95$9,625.49$2,697.73$2,758.66$2,296.90$2,175.27$1,991.49$2,048.63
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
Travelers$9,307.32$12,850.91$2,325.25$2,491.21$2,178.66$2,199.51$2,051.98$2,074.41
USAA$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32$1,449.85$1,448.98
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While there are affordable car insurance companies that cover domestic partners, married couples have a slight discount comparatively. Statistically, married couples are less likely to be involved in a claims process, saving the insurer money.

How this applies to domestic partnerships largely depends on your state. If your state’s government recognizes domestic partnerships, or you were previously recognized, you may be able to get a similar discount.

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Can you combine unmarried car insurance?

It shouldn’t be any issue to combine two separate vehicle policies onto a single agreement. Most insurers prefer that anyone in your household be listed on your insurance anyway, so adding an additional driver and their vehicle shouldn’t be an issue.

However, unless your state recognizes domestic partnerships, you likely won’t be able to get the same savings that a married couple could get. If you live in a state that recognizes domestic partnerships, or have a proof of being in one, an insurer may provide a marriage discount.

If you want to find car insurance for unmarried couples, your best bet would be to look in a state that offers legal domestic partnerships. The III also suggests you can add a primary and secondary driver to the same policy.

When to Combine Car Insurance

Some good reasons for combining car insurance might be:

  • If you live under the same roof
  • If you insure multiple vehicles
  • If you can bundle with other types of insurance

There are a lot of opportunities to save when you combine car insurance, and even more if you get a marriage or domestic partner discount. If your insurer recognizes you and your significant other have an insurable interest in each other, they’ll be happy to give you a policy.

Benefits of Combining Car Insurance With a Partner

Most insurers will provide savings to married couples because they have less likely chance of getting into an accident and filing a claim. That being said, these savings don’t always extend to domestic partnerships. Unless your state legally recognizes domestic partnerships, you might miss out.

The states that recognize domestic partnerships include:

  • California
  • District of Columbia
  • Maine
  • Nevada
  • Oregon

Many states have gotten rid of domestic partnerships in the last couple decades. While it used to be more commonplace, domestic partnerships are only legal in a handful of states. If you’d like to extend those marriage savings to you and yours, you’ll need to live in one of these states.

How to Combine Car Insurance

Combining two separate vehicles under the same policy is easier than it sounds. As long as you’ve got all the driver and vehicle information, get in touch with your insurer to let them know about your addition.

Some insurers will provide multiple car discounts, so there’s a fair amount of benefit to combining car insurance policies if you can.

How Being Married Affects Car Insurance

As a general rule, car insurers will view a married couple as more financially stable and less liable to high risk. Because of this, married couples will often be provided with up to a 10% discount on their monthly or annual rates.

Car insurance companies that don’t cover domestic partners don’t give the same assurances unless they live in a state that recognizes that partnership or come from one where a legal agreement was made. In this case, an insurer may be willing to provide a similar discount to those couples.

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Car Insurance Companies That Cover Domestic Partners: The Bottom Line

When it comes to getting domestic opportunity car insurance, there are a few ways to save. While not every state will weigh marriage and domestic partnerships the same, there are ways you can save on your premiums no matter where you live in the country.

If you’re looking for quotes for car insurance companies that cover domestic partners, enter your ZIP code into our free quote tool below.