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Couples car insurance

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Save on car insurance with a combined couples policy.

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.

Car insurance providers ideal for couples

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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. Available in 20 states.
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

When to combine policies

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 or couples 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.

When not to combine policies

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

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 won’t cover the damages.

How to decide if a single or couples policy is right for you

The right option depends on each driver’s personal circumstances.

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.

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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.

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.

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.

What happens 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

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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?

    • finder 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

    • finder 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.


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