Cheap car insurance for couples |

Cheap couples car insurance

Save on car insurance with a combined couples policy.

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

A joint car insurance policy, or a couples policy, means having both drivers’ cars included on the same policy. Combining policies is usually cheaper than getting two separate policies for each car, but sometimes it might cost you more to cover two cars on the same policy. And in most cases you don’t have to be married or even a couple to take advantage of these savings. Compare car insurance rates for couples vs singles policies.

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 the married discount. Combining policies for each driver’s car into one policy brings savings of up to 25% in most cases.

Also, insurers typically consider married people to pose less of risk, so premiums go down provided both drivers are considered low risk to insure, including being over 25 and having a good driving record and good credit.

To discover if it’s worth combining policies, get individual quotes for each car/driver, and a quote for a combined policy. Compare the costs of both a combined policy and separate policies from a few insurers to determine which is best for you.

  • Rewards for safe drivers
  • Basic to comprehensive
  • Your own dedicated agent

Best pick for couples: Allstate

Enjoy having your own dedicated agent to help you get the best discounts and coverage.

  • Rewards for safe drivers, good students and more
  • Get your own dedicated insurance agent

Car insurance providers ideal for couples

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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.
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.
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

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 there are some instances when it would be the wise choice. Generally, if one driver presents a higher risk due to factors such as DUI, poor credit or an expensive car, it may be more suitable to go with separate policies.

For example, 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. The same goes for a driver with a pricey car or poor credit, factors that will also raise premiums. If this is the case, there’s no need for your partner or spouse to pay a higher premium as well if he or she can find less expensive insurance with a traditional insurer.

Reasons not to combine policies include:

  • Poor driving record
  • Poor credit
  • Expensive car

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, he or she must be listed as a driver on your policy. If you exclude your significant other from your policy and he or she does 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 those types of partnerships. The same goes for common law marriages, which aren’t typically recognized from an insurance standpoint, so you won’t get the same benefit.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

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:

  • Have you been involved in any accidents?
  • Have you gotten any tickets?
  • Have you made any insurance claims?
  • What’s your credit score?
  • Have you gotten a DUI?

Not every couple will need to ask these questions, especially if you both have relatively clean records. If you’re concerned about keeping this discussion neutral, you could write down your answers separately and then share to prevent feelings of judgment or criticism on either side.

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.

What happens to a combined policy after a divorce?

While you’ll save on a combined policy after getting married, the opposite is also sometimes true. You might lose the married discount benefit after a divorce by no longer combining policies. Credit score drops after a divorce can happen as well, which could raise your car insurance premiums. There’s not much you can do to prevent this, but being aware of this side effect could help explain higher premiums after the divorce is finalized.

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

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

Learn more about car insurance for couples

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

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,

  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.


Go to site