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 27, 2020

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Key takeaways...

  • Married couples sometimes are able to obtain auto insurance at a lower cost
  • Statistics have shown that married couples tend to be safer drivers, due to safer driving habits
  • Remember that every insurance provider is a bit different and therefore comparison shopping online is an invaluable tool

Married couples sometimes are able to obtain auto insurance at a lower cost. When searching for car insurance quotes online the use of a comparison site can be of great assistance when considering either a joint policy or individual ones for husband and wife.

Insurance companies have certain criteria that they look at when considering the premiums for couples who are married.

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Table of Contents

What do insurance providers look at?

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Statistics have shown that married couples tend to be safer drivers. This is because they feel a responsibility to each other and do not want to be a burden to their partner.

Insurance companies have compiled a great deal of information over the years regarding the driving habits of married couples and conclude that they are less likely to file an insurance claim in a given period of time.

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Benefits of Being Married

When shopping for car insurance, married couples have the luxury of pooling their information and looking for discounts.

Using a comparison site couples can look at the quotes offered by a number of providers and choose the best deal based on their marital status as well as what vehicles are involved.

Some factors to consider are:

  • The age of the couple
  • The cars they drive
  • Their individual driving histories

There are two possibilities. One is for the couple to link their policies; some car insurance companies will offer a discount if both husband and wife drive the same type of car, are about the same age and have clean driving records.

But there is also the possibility that they will save the most money if they purchase their policies separately.

This could happen if they have separate cars and one of these vehicles is much more valuable than the other, or if one car is considered by the insurance provider to be a safer vehicle.

Also if the couple has vastly different safety records as drivers it may be more cost-effective to purchase separate policies.

Immediate Discounts

If the couple is considering a joint policy there will an immediate savings on the premiums if there is a second vehicle.

It does not matter if one of them drives one vehicle predominately and the other drives the second car most of the time.

Also if the couple has recently bought or rented a home in what is deemed by the insurance company a safe neighborhood there will also be cost savings.

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Use Comparison Site

Married couples can enter information about their cars, age, marital status and neighborhood where they reside and then compare quotes from a number of the best companies. These quotes will vary because providers do not always determine rates based on the same criteria.

Most will look at the driving history and offer premiums based on this as well as the marital status, resulting in:

  • Lower cost if the married couple owns a home
  • Savings if both have a good driving history
  • Discount for insuring more than one vehicle

However, this may be the best option only if the couple has decided to shop for joint coverage. If the policies are to be separate, the costs will reflect savings on either the husband’s or wife’s policy if they have a number of years of driving experience, have a clean record and are not driving a performance vehicle.

The best part about online comparison shopping is that the information only has to be entered once and then the filtering of the results can be performed for the tailoring of either separate policies or a joint coverage.

The shopper can compare several companies and their quotes for both individual and joint policies and make an educated decision.

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Tips to Remember

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Remember that every insurance provider is a bit different and therefore comparison shopping online is an invaluable tool. The results that come up may surprise, but this is only because the qualifying criteria is not the same from one company to another.

Married couples can save money with a joint policy if they are both responsible drivers and have multiple vehicles, but the savings may not be substantial if only liability is purchased on an older vehicle.

Always make sure that the vehicles are properly listed when filling in the information because the difference in value between two cars can greatly affect the price of insuring more than one vehicle.

Coverage Options

A joint policy may save money if the package includes the same coverage options on multiple vehicles. It may not save money if:

  • One vehicle will carry only liability insurance
  • Only one vehicle will carry uninsured motorist protection
  • Only one vehicle will carry personal injury protection
  • Different deductible amounts are desired for two different cars

It is always important to make these preliminary decisions before comparing insurance quotes from numerous providers because the quotes given will reflect all the information provided.

Generally speaking, however, married couples do indeed enjoy lower premiums, sometimes because the policy was for both vehicles, and sometimes if the policies were issued independently.

The correct procedure is to shop using a comparison site and look over the exact figures for the desired coverage from a number of different insurance companies and make a decision about which package offers the best possible protection at the most attractive price.

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