How Marital Status Affects Auto Insurance Rates - Car Insurance at DMV.org: The DMV Made Simple

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How Marital Status Affects Auto Insurance Rates

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Like it or not, your marital status could affect your auto insurance premium. Not all companies reduce car insurance premiums for married drivers, but several companies offer significant reductions on your insurance rate if you're married.
The reason for this is because, statistically speaking, people who are married tend to be safer drivers than their single counterparts (just as older drivers are typically safer drivers than teenagers).
Lower Auto Insurance Rates for Married Couples: Discrimination?

It might seem like discrimination, but actually it is perfectly legal for an auto insurance company to offer lower rates to married people. It is also perfectly legal for them to lower premiums for women and for people older than 25 years of age.
In fact, when you think about it, car insurance companies offers all kinds of discounts for any number of reasons, including, but not limited to discounts for:
- Insuring multiple vehicles.
- Having multiple policies with the same provider.
- Being considered a safe or good driver.
- Owning a home.
- Installing anti-theft devices.
When viewed in this light, offering a discount to married people hardly seems as outlandish as you previously might have thought. On the contrary, if the statistical data backs up the claim that married drivers are safer drivers, it might even be one of the more sensible reasons to offer a discount on car insurance rates.

Similarities to the Multiple Vehicle Discount

On the other hand, the multiple vehicle discount can easily translate to a multiple driver discount. After all, if you are insuring more than one car, chances are, you are insuring more than one driver, such as a child, spouse, or domestic partner.
In order to further lower your insurance premium, take advantage of additional discounts―available to everyone―such as the safe driver or accident free discount.

Comparing Auto Insurance Discounts

Some companies offer a discounted rate for being married, just as many others won’t even inquire about your marital status. To find a company that will (or won't, depending on your marital status) offer you a discount based on whether you're married, take some time to compare car insurance policies and discounts online. Also be sure to find out if the company is licensed to sell insurance in your state by contacting your state's insurance department.
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