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Car insurance after getting married

How marriage changes your car insurance rates

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How does car insurance change after getting married?

Your wedded bliss could mean many life changes that influence your premium, including address, vehicle, number of cars and homeowner changes. The good news: you can expect lower insurance rates than your single friends if you both have clean driving records.

After marriage, your car insurance should update to reflect the risk to your company. In most cases, that could mean a lower rate, unless one or more drivers have a spotty record. You should see a rate change when you either add your policies together or update drivers on your current policy.

Combining policies. Moving to one policy with all drivers and cars added may save you money and offer convenience with one bill and account to manage. Most couples can consider this option to their benefit.

Adding a new driver to an existing policy. If you and your spouse decide to keep different policies, you may still need to add each other as a secondary driver to each policy, depending on how your insurer handles drivers living in the same home. Consider this option if one person has many violations or traffic accidents on record, or if a spouse doesn’t currently own a car.

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How much does getting married affect car insurance rates?

The good news is that married drivers pay 10% less on car insurance than single drivers.

Getting married can influence your rates significantly, but it depends on how much your life situation changes. For example, your policy might not change much if neither of you is in a high-risk age group. But moving your new family from a small town to New York City will hike up your premium for sure.

Factors to consider when getting insured as a married couple include:

  • Moving addresses. If either you or your spouse move to a new location, it might affect rates. For example, moving to a large city means you’ll have a greater risk for accidents.
  • Insuring multiple cars. Most companies offer a discount for insuring more than one vehicle together.
  • Change in driver risk. If you both have clean records, you’ll pose a lower risk. But if one of you has violations, recent accidents or are under 25 years old, your premium could increase.
  • New car purchases. Buying a new car after getting hitched? That car’s safety ratings, theft rate, ticket price and age compared to a previous car might make rates higher or lower.
  • Buying a home. You could get a homeowners discount on your policy.

Get cheap car insurance after getting married

Your new life together might have a lot of benefits, including more ways to save on car insurance.

  • Shop around. Not every insurer is the same. One of your newly married responsibilities could be shopping around to make sure you’re getting the most value for money.
  • Bundle, bundle, bundle. Getting hitched might mean you’re looking at several insurance needs. Consider putting them all in one place, including life, homeowners or renters insurance.
  • Look for new discounts. You could find special savings after your special day, like multicar, multipolicy or a homeowners discount.
  • Keep a sparkling clean driving record. Work to keep both driving records squeaky clean so it reflects low rates as a reward.
  • Buy a less expensive car. If you’re changing cars, consider getting a car that’s cheaper to insure, such as a sedan, van, hybrid or compact.
  • Lower coverage if you can. Consider what coverage you can do without. For example, you may not need medical payments if you have robust health insurance or roadside assistance if it already comes with your warranty.
  • Notify insurer of student status. You might lose your student discounts after you get married, depending on the insurer.

How do I update my car insurance after getting married?

As part of your new wedded bliss, you can look into updating your car insurance in several steps:

  1. Determine coverage needs and compare insurance companies.
  2. Start a policy with a new insurer or add vehicles and drivers to an existing one.
  3. Notify the company of your name and address change, if applicable.
  4. Cancel any unneeded policies or coverage. For instance, you might need to cancel your spouse’s policy if you’ve decided to keep yours.

Bottom line

Getting married means changes all around, like moving addresses, buying a home or getting another car. All of these factors could change your premium, but it’s usually for the better.

Check out several providers to make sure you’re getting the best rates.

Frequently asked questions about car insurance after marriage

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