{"id":2421,"date":"2024-04-16T16:29:56","date_gmt":"2024-04-16T21:29:56","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/car-insurance-for-married-couples\/"},"modified":"2025-08-27T10:03:38","modified_gmt":"2025-08-27T15:03:38","slug":"car-insurance-for-married-couples","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/car-insurance-for-married-couples\/","title":{"rendered":"Car Insurance for Married Couples and Newlyweds"},"content":{"rendered":"\n

People marry for love and companionship. It\u2019s the public expression of your commitment to each other. While saving on car insurance isn\u2019t usually the primary reason why couples tie the knot, it\u2019s a nice extra benefit! Learn the ins and outs of car insurance for couples so you can save money after walking down the aisle.<\/span><\/p>\n\n\n\n

Does Getting Married Affect Your Car Insurance Costs?<\/b><\/h2>\n\n\n\n

How does getting married affect car insurance? Let\u2019s start counting the ways. First, married people are considered more stable by insurers. Those marriage vows indicate a level of maturity and responsibility. When it comes to car insurance, marital status can be an important factor in determining risk. Married couples usually pay lower rates than their single counterparts.<\/p>\n\n\n\n

Newlyweds, start looking for savings right away! Begin your marriage with cheap car insurance for newlyweds and put the money you save toward making other dreams come true.<\/p>\n\n\n\n

Single vs. Married Premium Differences<\/b><\/h2>\n\n\n\n

The difference between premiums for married couples and premiums for singles can be quite large. While it’s true that young drivers pay higher rates than more experienced drivers, a marriage license can still save them up to 21 percent. That is how much the average, married 20 year old saves on coverage versus a single person of the same age. While premiums are usually lower for all married couples, those between the ages of 20 and 25 reap the biggest savings compared to their single contemporaries.<\/p>\n\n\n\n

Insurers consider young married male drivers as less likely to engage in dangerous behaviors such as driving under the influence than their single pals. They don\u2019t tend to speed or otherwise engage in negligent and reckless driving as often.<\/p>\n\n\n\n

Of course, much depends on the driving record<\/a> of the couple. Overall, married couples file fewer claims than single drivers. The latter includes motorists who are divorced<\/a> or widowed.<\/p>\n\n\n\n

Nationally, the average premium for a single driver is $1,407. Get married, and the average annual premium drops to about $1,381. The average premium for divorced drivers is $1,467, and for the widowed, $1,431.<\/b><\/p>\n\n\n\n

Married Couple Savings by State<\/b> <\/span><\/h2>\n\n\n\n

While young married couples save the most money compared to their single counterparts, older married couples also have lower premiums. The average percentage of savings varies by state.<\/p>\n\n\n\n

Married couples in Georgia save nearly 10 percent on auto insurance premiums. Virginia comes in second at 7 percent. The following states average at 6 percent or more in marital auto insurance savings:<\/p>\n\n\n\n