Car Insurance Discounts for Married Drivers

Do married couples save money on car insurance? The answer to that question is usually a ‘yes’ in all 50 states. The average married couple saves $131 a year just by being on the same plan together. So should you stay together as a couple for the car insurance discount? Probably not, but that’s not our realm of expertise. Pricing varies by state so enter your zip code below to find out what kind of discount on car insurance you can expect as a married couple:

Which car insurance companies offer a marriage discount?

 

While almost all car insurance companies we have data for offer a marriage discount, it may not be called a "marriage discount" by the provider. Some providers stick to language such as "number of licensed drivers on the account" to avoid the messy business of trying to verify marriages in 50 states. Car insurance providers simply want more customers and adding them to existing accounts is an efficiency win for them, on the whole. So you’re not exactly getting a marriage discount for being married, rather you’re generating a discount by adding more members to your plan.

 

Here’s a list of car insurance providers that we know offer a discount for married couples:

 

• Geico
• State Farm
• Nationwide
• AllState
• Progressive
• Almost all other, smaller insurers offer discounts

 

Do auto insurance rates change depending on your gender or marriage status?

Yes. On the whole, you might think female drivers are paying a bit less for car insurance because men get into more wrecks and get more speeding tickets than women, but the most important distinction is that men drive 6,000 more miles per year on average. Car insurance companies take gender into account because they analyze all available data to determine your rate. That being said, rates for men versus women are somewhat inconsistent and sometimes even slightly favor men, inexplicably. Like most institutions as old as insurance, there are systemic issues with gender bias that may play a role here and we would be remiss to not mention those too.

For married couples of any gender, insurance companies are happy to get two customers on to one account and extend some of their savings to the couple as a loyalty incentive.

 

So how much does the average married person save on car insurance?

The average married couple in the US saves about $131 on car insurance but that number can vary widely by the state you live in. For example in Rhode Island you’ll each pay about $288 per month whereas in Maine you’ll only have to pay $100 each. This variance doesn’t have much to do with your marriage status, as that only affects the average car insurance rate about 7%, but more to do with your state’s regulations around car insurance.

Average car insurance marriage discount by state,

State	Avg. Yearly Premium (for married drivers)	Top Provider for Married Drivers	Potential Switch Savings
Alabama	$1,870	Nationwide	$151
Alaska	$1,468	State Farm	$108
Arizona	$2,776	Progressive	$295
Arkansas	$1,840	Progressive	$225
California	$1,665	Geico	$152
Colorado	$2,970	State Farm	$150
Connecticut	$2,626	Met Life	$1,385
Delaware	$2,828	State Farm	$55
Florida	$3,070	Geico	$160
Georgia	$2,286	Georgia Farm Bureau	$100
Hawaii	N/A	N/A	N/A
Idaho	$1,603	State Farm	$103
Illinois	$2,016	State Farm	$202
Indiana	$1,444	Erie Insurance	$41
Iowa	$1,555	State Farm	$104
Kansas	$1,940	Progressive	$103
Kentucky	$2,768	State Farm	$138
Louisiana	$2,968	Louisiana Farm Bureau	$578
Maine	$1,188	Concord Group	$97
Maryland	$2,398	Progressive	-$12
Massachusetts	N/A	N/A	N/A
Michigan	N/A	N/A	N/A
Minnesota	$1,930	State Farm	$179
Mississippi	$1,937	State Farm	$230
Missouri	$2,371	State Farm	$160
Montana	N/A	N/A	N/A
Nebraska	$2,031	State Farm	$217
Nevada	$2,891	State Farm	$170
New Hampshire	$1,975	Geico	$41
New Jersey	$2,710	Geico	$99
New Mexico	$1,917	State Farm	$122
New York	$2,724	Progressive	$53
North Carolina	$1,529	Erie Insurance	-$23
North Dakota	$2,207	State Farm	$79
Ohio	$1,489	Geico	$69
Oklahoma	$2,291	State Farm	$169
Oregon	$2,232	Country Financial	$100
Pennsylvania	$1,692	Erie Insurance	$110
Rhode Island	$3,454	Progressive	$135
South Carolina	$1,915	Geico	$156
South Dakota	$2,251	State Farm	$178
Tennessee	$1,732	State Farm	$143
Texas	$2,591	Loya Insurance Group	$62
Utah	$2,332	Farm Bureau	$71
Vermont	$1,622	Concord Group	$113
Virginia	$1,497	Virginia Farm Bureau	$145
Washington	$1,624	Mutual of Enumclaw Insurance	$124
West Virginia	$1,969	State Farm	$137
Wisconsin	$1,484	Progressive	$75
Wyoming	$2,064	State Farm	$59
District of Columbia	$2,605	Erie Insurance	$109

Be sure to enter your zip code or city, or click on one of the states above to find more details about marriage discounts on car insurance in your area. You might not save hundreds by getting married but it’s worth the effort to combine plans to see if you can get a new, overall discount for switching when you first get married.