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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Aug 22, 2016

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Do Car Insurance Costs Drop After Marriage

Like turning 25, marriage is another indicator that shows drivers are less risky to insure, in the eyes of car insurance companies. So, getting married can impact how much both of you pay for car insurance.

Why does car insurance drop after marriage?

Statistically speaking, married couples are less likely to get into car accidents than their single counterparts. Reasons for this vary, but some say married people drive less often, and others say married couples have more stable, and thus less risky, lifestyles. One study reported that single drivers are twice as likely to get injured in an accident in comparison to married drivers.

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Combining Car Insurance Plans

One option available when you are married is that you can now combine your car insurance plans. While this could potentially save you money, that is not always the case. When you combine insurance plans, insurance providers take into account both of your driving records, cars you drive, commute times, and other driving factors. If your spouse has a worse driving record than you or drives a more expensive car, your rates could increase instead. That’s why combining plans is not always a surefire way to lower your insurance rate.

…marriage is another indicator that shows drivers are less risky to insure, in the eyes of car insurance companies.

Domestic Partnerships

Domestic partnerships have a lot in common with marriage, and sometimes insurance providers see both relationship statuses in the same light. Some providers offer domestic partnership policies with similar terms for married drivers, and rates can decrease here as well. Drivers in domestic partnerships also have a lower chance of being in accidents than singles.

Multiple Vehicle Discounts

In addition to more than one driver on a car’s insurance plan, if you have more than one car in your household, multiple vehicle discounts can also save you money. In some cases, these discounts provide the same coverage at a less expensive rate than if you insured both cars separately. All cars must be insured with the same provider and under the same driver’s name.

If you have questions about how getting married might affect your car insurance rates, give us a call today for all the answers you need.

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