Car insurance for married couples

Last updated: January 1

Getting married often comes with combining households, and you may also want to consider combining your auto insurance. Learn more about how to combine car insurance policies as a married couple and how it could help you save money.

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Combining car insurance policies with your spouse

According to the Insurance Information Institute, car insurance companies may offer lowered premiums for married drivers who are combining their policies.

When to Combine Your Car Insurance Policies

If you and your spouse have good driving records and no recent gaps in insurance coverage, you might save more overall by combining policies than by keeping them separate. You could save even more with a multi-car discount, if you're insuring multiple vehicles.

If you have different insurers and don't know which one to pick, compare car insurance quotes to see which offers the coverage you need at an affordable price.

Keeping car insurance policies separate

There may be some scenarios in which combining policies isn't a good option.

When Not to Combine Policies

If one of you has a poor driving record, you may want to consider separate policies. Combining a low-risk driver's policy with a high-risk driver's will likely increase the low-risk driver's car insurance rates. However, the total cost for both might still be lower because of other factors like a multi-car discount. It's a good idea to do your research before deciding.

Additional ways to save money after your wedding

Combining auto policies isn't the only way to save. Consider bundling your auto and home insurance for a multi-policy discount. Other policies you might be able to bundle with car insurance — and with each other — include motorcycle, renters and life insurance.

Contact your insurer to find out how your new union affects your rates, whether you should combine policies with your spouse and more.