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 multi-vehicle 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 of 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
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Best pick for couples: Allstate

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Car insurance providers ideal for couples

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

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 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.

5 questions to ask your partner 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:

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

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 judgement on either side.

Must read: Nominated drivers vs bundling 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 gets into an accident, your policy might not cover the damages.

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 multi-vehicle policy discount.

Keep in mind, however, you must list your partner on the policy for your car if her or she will be driving your car 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 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.

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?

    • Avatarfinder Customer Care
      nikkiangcoOctober 22, 2018Staff

      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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