10 Best Auto Insurance Companies for Married Couples in 2024
State Farm, Progressive, and Allstate are at the top of our list of the best auto insurance companies for married couples. Despite not having just-married car insurance discounts, these companies offer joint auto insurance starting at $39/mo. They also have high customer service reviews and ample coverage options.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Apr 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Married Couples
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Married Couples
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Married Couples
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm, Progressive, and Allstate are the best auto insurance companies for married couples because they offer superb customer service, excellent discounts, and low rates.
Although it doesn’t have a specific married couple discount for auto insurance, State Farm is one of the cheapest auto insurance companies on the market.
Our Top 10 Picks: Best Auto Insurance Companies for Married Couples
Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 25% | A++ | Newlywed Discount | State Farm | |
#2 | 10% | A+ | Multi-Policy Discount | Progressive | |
#3 | 15% | A+ | Bundling Discount | Allstate | |
#4 | 20% | A+ | Accident Forgiveness | Nationwide | |
#5 | 20% | A | Loyalty Discount | Farmers | |
#6 | 15% | A | Online quote | Liberty Mutual | |
#7 | 15% | A | Homeowner Discount | AAA | |
#8 | 20% | A++ | Customizable policies | Travelers | |
#9 | 18% | A | Membership perks | American Family | |
#10 | 10% | A+ | Competitive rates | Erie |
Read on to explore the best car insurance for newlyweds and couples who’ve been together for decades alike. Then, enter your ZIP code into our free comparison tool to find the best rates for you.
- There’s typically no car insurance discount for married people
- Joint car insurance for married couples usually costs less than for single people
- The best car insurance companies for newlyweds are State Farm and Progressive
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage Options: Customize your State Farm policy with add-ons like roadside assistance and rideshare insurance.
- Multiple Discounts: Get the cheapest car insurance for married couples possible by taking advantage of State Farm’s 13 discounts.
- Vast Network of Agents: State Farm has great online tools, but it focuses more on customer service. Finding a local State Farm agent is usually a simple task.
Cons
- Higher Rates for Some Drivers: You’ll probably find cheaper coverage with another company if your credit score is low. See how much you might pay in our State Farm auto insurance review.
- Limited Discount Availability: Discount availability varies by region, so make sure to check with a State Farm representative to see how much you can save.
#2 – Progressive: Best for Digital Insurance Tools
Pros
- Name Your Price Tool: Find coverage that matches your monthly budget with Progressive’s Name Your Price tool.
- Loyalty Discounts: Stay with Progressive for a year or longer to earn a loyalty discount. Explore Progressive’s 13 discount options in our Progressive auto insurance review.
- Excellent Online Tools: You can do everything from buying a policy to filing a claim online with Progressive’s convenient digital tools.
Cons
- Unexpected Rate Increases: Some customers complain that their rates increased unexpectedly, even when they hadn’t made changes to their policy.
- Customer Service Quality Varies: Progressive’s customer service reviews are hit-or-miss.
#3 – Allstate: Best for Full Coverage Policies
Pros
- UBI Programs: Allstate offers two usage-based insurance programs – Drivewise and Milewise. See which might be right for you in our Allstate auto insurance review.
- Highly Rated Claims Service: With its claims satisfaction guarantee, Allstate receives excellent reviews for its claims resolution process.
- Ample Coverage Options: Allstate has plenty of ways to customize your policy to fit your exact needs, including extended vehicle care and new car replacement.
Cons
- Rates can be high. Drivers looking for cheap auto insurance for married couples will probably find better prices at a different provider, as Allstate rates are typically high.
- Limited Online Options: You can manage your policy online, but you’ll need to speak with an Allstate representative to buy a plan.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – Nationwide: Best for Bundling Home and Auto Insurance
Pros
- Bundling Options: If you’re looking for home and car insurance for married couples, Nationwide has some of the best coverage options and discounts for bundling policies.
- Policy Add-ons: Add coverage like gap insurance or a vanishing deductible to your Nationwide policy to increase your coverage.
- Strong Financial Stability: Nationwide has an A+ from A.M. Best, meaning you won’t have to worry about your claims being unpaid.
Cons
- Communication Issues: Some customers report communication problems with Nationwide representatives. See what other customers have to say in our Nationwide auto insurance review.
- Higher Rates for Young Drivers: Nationwide is typically an affordable option, but young drivers should consider other providers if they need cheap car insurance quotes for married drivers.
#5 – Farmers: Best for Discount Options
Pros
- Personalized Coverage: Farmers offers plenty of ways to customize your policy. Explore all your coverage options in our Farmers auto insurance review.
- Tons of Discounts: While there isn’t an auto insurance discount for married couples, you can find plenty of ways to save with Farmers’ 23 discount options.
- Signal App: Save up to 30% on your insurance by enrolling in the Signal program and consistently practicing safe driving habits.
Cons
- Average Rates: If you’re looking for cheap car insurance for married couples, you’ll probably find better rates at a different company.
- No Florida Coverage: Farmers has discontinued car and home insurance policies in Florida.
#6 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Customizable Coverage: Get the best car insurance for married couples possible with Liberty Mutual’s add-on options.
- Accident Forgiveness: Sign up for Liberty Mutual’s accident forgiveness to protect your rates. Read our Liberty Mutual auto insurance review to see who qualifies.
- Convenient Online Tools: Use Liberty Mutual’s convenient online tools to manage your coverage, whether you have a single or joint auto insurance policy.
Cons
- Claims Processing Problems: Some customers report issues with Liberty Mutual’s claims handling, particularly about the speed of the process.
- Higher Prices: It’s not the most expensive provider on the market, but Liberty Mutual also doesn’t have the cheapest auto insurance rates for married drivers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – AAA: Best for Roadside Assistance
Pros
- Roadside Assistance Plans: AAA is one of the best car insurance companies for married couples because of its roadside assistance plans. Explore AAA’s plans in our AAA auto insurance review.
- Membership Perks: You’ll need to be an AAA member to buy car insurance, but membership offers a variety of extra perks.
- Reputation for Customer Service: AAA receives stellar reviews for its customer service, which helps the company offer the best car insurance for married people.
Cons
- Membership Fees: There’s an annual fee to remain an AAA member, which offsets some of the car insurance savings the company offers.
- Coverage Options Vary: AAA runs its insurance programs through regional clubs rather than a centralized location, meaning coverage options vary by location.
#8 – Travelers: Best for Drivers With Bad Credit Scores
Pros
- IntelliDrive: Save up to 30% on the cost of car insurance for a married driver with Travelers’ UBI program, IntelliDrive.
- Discount Opportunities: Get the lowest auto insurance quotes for married drivers by taking advantage of Travelers’ 15 discounts.
- Affordable Rates: Travelers’s rates tend to be a little lower than the national average. Drivers with bad credit scores can find inexpensive rates with Travelers.
Cons
- Rideshare not Available Everywhere: Travelers offers rideshare insurance, but it’s not available in every state.
- Complex Policies: Some customers complain that Travelers policies are difficult to understand. Learn more about how Travelers policies work in our review of Travelers auto insurance.
#9 – American Family: Best Customer Service
Pros
- Writes Costco Policies: American Family manages Costco auto insurance policies through its company, CONNECT.
- Plenty of Discounts: Save on married couple auto insurance with American Family’s 18 discounts. See which discounts are available in our American Family auto insurance review.
- Excellent Customer Service: American Family receives excellent reviews for its customer service representatives.
Cons
- Limited Availability: Today, American Family offers married couples car insurance in just 19 states.
- Billing Issues: Despite having excellent customer service reviews, some policyholders complain about billing issues.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#10 – Erie Insurance: Best for Young Married Couples
Pros
- Affordable Rates: Erie offers low rates for auto insurance for married couples, particularly for young drivers.
- Superb Customer Service: As a smaller insurance company, Erie has more time to focus on providing its customers with the best service possible.
- YourTurn: It’s not a car insurance marriage discount, but safe drivers can save up to 30% by enrolling in Erie’s YourTurn.
Cons
- Not Available Everywhere: Erie sells insurance in just 12 states. See if you live in one of those states in our Erie auto insurance review.
- Limited Discounts: It doesn’t have as many discount options as its larger competitors, but Erie still manages to offer affordable coverage.
Auto Insurance Rates for Married People
What makes an insurance company better for married people? Many factors affect auto insurance rates, including marital status, age, location, and driving record.
Consequently, some companies offer lower rates to married couples because they consider marital status a risk factor more heavily.
Why does marital status affect car insurance rates? Is insurance cheap for married couples? Insurance companies rely on statistics to decide which drivers pose a higher risk than others. Statistically, married people pose a lower risk because they tend to be more cautious and financially responsible than unmarried people.
Studies have shown that even younger married couples are better off financially, resulting in fewer claims and a lower likelihood of unpaid insurance bills. That means the best car insurance for young married couples can cost significantly less than it does for their single counterparts. Other factors that affect your insurance rates include:
- Age and Gender
- Vehicle Type
- Insurance History
- Driving Record
- Credit Score
- Location
Keeping these factors in mind, check out the average rates from our top companies for married couples below.
Auto Insurance Monthly Rates for Married Couples by Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
AAA | $38 | $103 |
Allstate | $67 | $176 |
American Family | $51 | $137 |
Erie | $25 | $66 |
Farmers | $64 | $167 |
Liberty Mutual | $77 | $200 |
Nationwide | $53 | $136 |
Progressive | $50 | $136 |
State Farm | $39 | $103 |
Travelers | $40 | $108 |
The companies that made our list have the lowest rates for married couples and offer multiple discounts to help reduce those rates even more. Read on to see how the top 10 auto insurers for married couples stack up.
Auto Insurance Discounts for Married Couples
Car insurance discounts help drivers lower rates significantly. Since most companies offer various discounts based on the driver, policy, and vehicle, most drivers can find multiple ways to save.
Although there aren’t specific married couple auto insurance discounts, couples may be eligible for other discounts. Consider the discounts listed below to maximize your savings.
Additionally, some married couples might qualify for other discounts. For example, drivers who avoid traffic violations and accidents might qualify for a good driver auto insurance discount. Young married couples may also qualify for good student discounts to lower traditionally high rates for young drivers.
As you can see, you may be eligible for several discounts. Bundle all the discounts you’re eligible for to see the most savings.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Getting Joint Auto Insurance
Most insurance companies require you to include your spouse and other licensed drivers in your household because insurers assume you’ll be sharing a car with your spouse. However, a joint car insurance policy doesn’t always make sense.
For example, if your spouse has a bad driving record or low credit score, your rates may increase if you add them to your policy.
In that case, you may exclude your spouse from your policy. This named exclusion means your spouse may not drive your car, and the insurance company won’t cover a claim if they have an accident. Your spouse will need their own high-risk auto insurance policy so they can legally drive their own car.
The good news is that you won’t have to fill out another quote request form, like the one shown below. Instead, you’ll probably be able to add your spouse directly to your policy.
Remember that not all states allow drivers to exclude their spouses. You may not have a choice whether or not you include your spouse, even if it raises your rates. You can have two insurance policies on the same car, but it makes much more sense financially to carry one policy on the car that covers both of you if possible.
Joint Auto Insurance for Non-married People
Yes, as we mentioned above, most insurance companies want all licensed drivers listed on your policy. So, whether you live with a partner, teen driver, or others, you may be able to add them to your car insurance.
However, some states don’t recognize certain relationships, such as boyfriend and girlfriend, and the insurer may not let you combine policies. You may not get the same low rates, but the best auto insurance companies for unmarried couples can help you save the most possible.
How to Merge Auto Insurance
There’s a lot to consider when combining auto insurance. The first question is if you want all cars listed on the same policy with both of your names.
Most companies offer a multi-vehicle discount to encourage households to use the same policy for all their vehicles. Married couples who put all their cars on one policy can see significant savings.Scott W. Johnson Licensed Insurance Agent
Can you have two separate insurance policies for two cars? Yes, you can have different policies, but they may be more expensive. In addition, since most insurers offer multi-vehicle auto insurance discounts, you won’t be saving as much if you have separate policies.
Once you combine your auto insurance, decide how much coverage you need. If your cars are older, you could lower coverage amounts or raise deductibles if you can pay for repairs yourself. However, you don’t have to carry the same coverage on both cars. For example, if you drive a newer car and your spouse drives an older car, you may want higher coverage limits on your vehicle.
Next, ensure you have all of the information you need. You’ll need detailed information about each vehicle, such as make, model, and mileage.
Some insurance companies will also ask for a copy of your marriage license.
Finally, shop around. Every auto insurance company offers different rates. Compare rates, coverages, and discounts from multiple companies to find the best married couple car insurance for you.
Best Insurance Providers for Married Couples: The Bottom Line
Many factors affect car insurance rates, such as age, driving record, credit score, location, and marital status. The best auto insurance companies for married couples depend on how each insurer views your factors. Typically, married couples see lower auto insurance rates since they’re more stable and less risky. However, your rates may still be high if you have a bad driving record or poor credit.
While there aren’t married couple car insurance discounts, married couples can take advantage of other discounts, such as multi-car and multi-policy savings. Shopping around is the best way to find auto insurance for married couples. Compare rates from multiple companies by entering your ZIP code into our free rate comparison tool today.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
Are married couples required to have the same car insurance?
Married people can have two different insurance policies, but the insurance companies will likely require you to list each other as drivers on both. Most insurance companies also require you to list all licensed drivers in the home.
Do I have to add my spouse to my auto insurance policy?
No, depending on your state, you can exclude them from your policy. However, if you exclude your spouse, your insurance company won’t pay a claim if they get in an accident in your car.
Is insurance cheaper for a married couple?
Generally, when you get married, your insurance rates go down. The reason is that insurers see you and your partner as more responsible because you’re married and, therefore, less risky to insure or less likely to file a claim.
Still, searching for the best insurance for couples through a quote tool helps, just as if you were searching for another group, like “best insurance providers for young drivers” or “best auto insurance for new drivers.”
How do you combine car insurance policies?
Adding your spouse to your policy is easy. First, call your insurance company with your spouse’s information — they may request a copy of your marriage license. Then, shop around to see which company can offer you the best deal to combine your insurance.
Can unmarried couples combine auto insurance?
While many auto insurance companies encourage combined policies and for all licensed drivers to be on your policy, your state may say otherwise. Some states don’t recognize relationships such as boyfriend and girlfriend.
Your insurance company should be able to tell you if you can combine policies. If you can’t, make sure to look at the best auto insurance companies for single adults to get the best rates.
Can same-sex married couples combine car insurance?
Yes, all married couples can combine auto insurance policies, regardless of sexual orientation. Legally, all married couples must be treated the same and offered the same benefits.
Can a married couple have different health insurance?
Due to various health needs, you may find the best health insurance for married couples on different plans. In addition, different health plans can cover two married people if they choose to do so.
Finding the best health plan for a married couple can be challenging if one has specific needs or both prefer different networks, so separate policies is an option.
What’s the best car insurance for people under 25?
Even if you’re married, car insurance for drivers under 25 tends to be expensive. However, since finding the best car insurance for a 25-year-old female may be different than for a male, shopping around individually and together can help you get the best rates.
In addition, the best car insurance comparison sites can help you compare your options. Enter your ZIP code into our comparison tool to start exploring your options today.
How much should car insurance cost for a married couple?
Car insurance for married couples depends significantly on location, insurance company, driving record, credit score, and many other factors. However, overall, it should be lower than before.
Is it better to pay car insurance monthly or every six months?
Wondering how often you have to pay for auto insurance?
Sometimes, you’ll get a discount if you pay for insurance every six months or once a year, but whether it’s better to pay in full or in increments depends on your financial situation.
But whether it is better to pay monthly or every six months depends on your financial situation.
Why do married people pay less for car insurance?
Marital status is one of many non-driving factors that affect insurance rates. Insurers see married people as less risky and more responsible, so they’re less likely to file a claim in the insurance company’s eyes. So, naturally, this leads to insurers offering them reduced car insurance rates.
Are there discounts on car insurance for married couples?
It depends on the insurer. Some offer specific discounts for married couples, while others simply lower rates for couples if they’re at lower risk.
How does marital status affect car insurance costs in each state?
In general, married couples will get lower rates in every state. See how much you might pay in your state by entering your ZIP code into our free comparison tool.
When should married couple not get joint car insurance?
If one driver has a poor record or must purchase high-risk insurance, it might be wiser to remain on separate policies until costs go down. Make sure to compare rates from the best auto insurance companies for high-risk drivers to find low rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.