Does Getting Married Affect Auto Insurance?

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Does getting married impact your car insurance costs? 

For better or worse, your car insurance rates may change when you get married.

Insurance industry research from The Zebra shows married couples are generally deemed less risky by auto insurers and can be eligible for discounts on auto insurance premiums. Even if you previously shared a car insurance policy with your spouse before you got married, you could still qualify for additional discounts. 

But similar to sharing a credit card with your spouse, if they have a history of less than stellar driving, this could negatively impact the rate the two of you may pay for auto insurance moving forward.

That’s why it’s essential to know who you’re driving next to.

If you and your spouse have stellar driving records and no recent gaps in your auto insurance coverage, you are considered low-risk drivers and therefore could pay less in auto insurance premiums.

One study from Oxford University suggested that single drivers were twice as likely to be involved in a drinking and driving accident as married drivers. 

Insurance rates can also drop for drivers under the age of 25 when they tie the knot.

There are times, though, when merging car insurance policies after marriage isn’t prudent. If one of you doesn’t have a squeaky-clean driving record (hey, no judgment!), it might be better to keep your policies separate. 

The bottom line

Remember that your car insurance rates may change once you’re married.

If you’re both safe drivers, you two may be in for a treat with lower auto insurance premium costs. But if one of you has a spotty driving record, it could increase rates. So talk to your spouse before you combine your insurance policies to make sure there are no surprises.

Of course, getting married to a safe driver is not the only way to save money on car insurance.

If you’re quarantining with your spouse during the COVID-19 pandemic, it’s a safe bet that you’re both driving less than you used to. Between working from home and all those stay-at-home and shelter-in-place orders, if you’re driving less, you might be able to save money with Metromile.

Metromile offers pay-per-mile car insurance policies that charge you for the miles you drive.

So in times like this when your car is parked in the garage most of the time, you could save a lot of money with Metromile.

Give Metromile a try for free: You can try Ride Along™ and get a free auto insurance quote

Ride Along is a feature in the Metromile app that helps you understand how your actual driving can affect the price you pay for auto insurance. Download the app onto your phone to begin your trial (you’ll need to keep your current insurance policy during your trial), and Metromile will consider how you drive for about two weeks to give you a more accurate rate. 

We believe you’ll be more confident you’ll save money before you switch and start your Metromile auto insurance coverage.