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Cheap couples car insurance

Save on car insurance with a combined couples policy.

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A joint car insurance policy, or couples policy, means having both drivers’ cars included on the same policy. Combining policies is usually cheaper than getting two separate ones for each car, but that’s not always the case.

When to combine policies into a couple’s policy

A couple’s car insurance policy, in the form of one policy with two insured cars, is often a cheaper way to get coverage than separate policies because of multivehicle discounts and a potential marriage discount. Combining policies for each driver’s car into one policy brings savings of up to 25% in most cases.

Insurers typically consider married people to pose less risk, so premiums go down — provided both drivers are considered low risk to insure. Compare the costs of both a combined policy and separate policies from a few insurers to determine which is best for you.

How much can couples save by combining car insurance?

On average, you could save around $336 or 10% a year on car insurance compared to single drivers. But you’ll save more or less depending on your age and gender, with young drivers saving the most. And not every driver will save this much, depending on both your and your spouse’s driving record.

Average annual car insurance savings for getting married

Annual ratesMenWomen
Under 18$1,840$1,303
18-21$385$212
22-25$259$123
26-30$20$132
31-35$32$143
36-45$15$157
46-55$60$108
56+$75$146

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Car insurance providers ideal for couples

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Compare up to 4 providers

When not to combine policies and keep policies separate

It’s relatively unusual for separate policies to be preferable, but it’s still a possibility. Generally, if one driver presents a higher risk, it may be less expensive to go with separate policies. Risk is determined by reviewing several different factors.

Driving record

Tickets, citations, DUI, DWI and other marks of a bad driving record can cause a hike in insurance costs. A driver with a DUI might only be able to find insurance with a provider that specializes in insuring high-risk drivers, which almost always comes with higher premiums.

Car price

An expensive car often comes with more risk in the eyes of insurance companies. A joint policy may not have enough discounts to outweigh the premium bump that comes with adding your spouse if they’re sporting a luxury model.

Credit score

Poor credit can also be an indicator of risk to insurers and may lead to higher premiums. But couples in California, Hawaii and Massachusetts don’t have to worry about this factor — insurance companies aren’t allowed to evaluate credit scores when assessing risk in these states.

Ask your partner these 5 questions about their driving record

Before you combine your car insurance policies, consider finding out a little more about your partner’s driving background by asking your partner these questions and sharing your own answers:

  1. Have you been involved in any accidents?
  2. Have you gotten any tickets?
  3. Have you made any insurance claims?
  4. Have you gotten a DUI?
  5. What’s your credit score?

Not every couple will need to ask these questions, especially if you both have relatively clean records. It may also help to write down your answers separately and then share them to minimize feelings of embarrassment or judgment on either side.

Must read: Nominated drivers vs. multicar policies

Be aware that listing a driver on your policy is different from combining policies. If your partner regularly drives your car, or vice versa, they must be listed as a driver on your policy.

If you exclude your significant other from your policy and they do drive your car and get into an accident, your policy might not cover the damages.

How to combine car insurance

If you have different insurers, and aren’t sure which company to keep — shop for new car insurance quotes that cover you both. Compare your options to see which company offers the coverage you both need, at the best price.

If you want to go with one of your existing car insurance companies, give your car insurance representative a call to discuss coverage options and potential savings on combining you car insurance.

How can couples save more on car insurance?

No matter where you are in life, there are ways to save on car insurance. You may find these ways particularly useful if you’re newlyweds or just moved in together.

Evaluate your coverage

Make sure that you’re only keeping coverage that you need. If your car is a few years old now, it may be time to drop the new car replacement. Or if your spouse has a AAA membership, it may be worth ditching roadside assistance.

Look for discounts

Getting married can also mean looking into other types of coverage, like life or home insurance. Many insurance companies will give you a discount when you bundle and take out auto and home or life policies together. In some cases you may even get a single deductible for a covered event when you need to claim both home and car insurance.

Shop around and compare quotes

It can pay to swap insurers every few years. And moving to a new city or getting married is a great time to compare quotes from other insurance companies. You could end up saving hundreds.

Can I get a couples policy if we’re not married?

Many insurance providers will allow a couple living together under the same roof to combine their insurance policies. But this isn’t always the case, so shop around to find an insurer that will combine your policies as a single household.

If you can’t find a provider that will merge your policies, you could consider transferring ownership of both cars into one person’s name. Then that person could take out a policy that covers both cars, which will qualify for a multivehicle policy discount.

Keep in mind, however, you must list your partner on the policy for your car if they’ll be driving it regularly.

Can I get a combined policy for a same-sex couple?

Yes, any married couple can have a multi-vehicle policy with the same benefits.

You’ll also enjoy lower rates just for being married. Companies like Allstate, Esurance, Geico and State Farm offered the same married discount to same-sex couples even before the marriage equality bill was passed.

If you’re in a civil union or domestic partnership, your discount depends on the provider and state. States like Florida, Massachusetts and North Carolina don’t offer the married discount for these partnership types or common law marriages.

Case study: Newlyweds consider combining their policy

This newly married couple is combining their car insurance policies. Jen is a 26-year-old woman with a clean driving record and no previous claims. Her husband, Mike, is a 25-year-old man with a history of traffic violations who drives an expensive luxury car.

After getting quotes from a few providers, Jen and Mike decide it would be cheaper to get two separate policies instead of a joint one. Jen finds she can get a high-level comprehensive policy for a good deal, while Mike could get a cheaper, separate policy from an insurer that specializes in covering high-risk drivers. They decide to re-evaluate in a year or two after some of Mike’s tickets expire from his record.

Bottom line

More likely than not, you’ll save money when combining your car insurance policy with your partner’s. But be aware that a significant other with a poor driving record, poor credit or an expensive car could cause your premiums to rise when combining policies.

Frequently asked questions about combined car insurance

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4 Responses

  1. Default Gravatar
    CarolOctober 21, 2018

    My husband no longer drives but I have been told to leave him on the insurance policy or my rates will go up. This is true in Washington state?

    • Default Gravatar
      nikkiangcoOctober 22, 2018

      Hi Carol,

      Thanks for your inquiry.

      As it says on our page, you’ll save money when combing your car insurance policy with your partner’s. But be aware that a significant other with a poor driving record, poor credit or an expensive car could cause your premiums to rise when combining policies.

      We currently don’t have information if this follow with the rules in Washington. It would be best to ask your insurance provider this before applying for the insurance. A friendly reminder to carefully review the Product Disclosure Statement of the product before applying.

      Hope this helps! For any other inquiries, feel free to send us a message anytime.

      Kind regards,
      Nikki

  2. Default Gravatar
    MohamedAugust 29, 2018

    I wanna ask about the joint insurance. I have an international license and a UK provisional license. I wanna know which one would be cheaper for me to use in the joint insurance on my wife’s car. Thank you

    • Avatarfinder Customer Care
      CharisseAugust 31, 2018Staff

      Hi Mohamed,

      Thank you for reaching out to finder.

      You are on the right page where you can see your options for car insurance providers which offer joint insurance. You can review and compare these insurance providers based on the features listed at the top of the table. Once you click on the “Get quote” button, you will be redirected to the provider’s website where you can further proceed with your quote request.

      The cost of car insurance is based on several factors like age, driving experience and driving record. If you are considering getting a joint insurance, both you and your wife’s driving profile will be taken into consideration. If both of you fall under the “low risk” driver category, you have high chances of getting an insurance with a lower cost. However, if one of you poses to be a “high risk” driver, you may want to consider taking individual policies instead. Before deciding, check relevant documents like the policy terms and conditions to see if it will work for you.

      Cheers,
      Charisse

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