What is a married discount?

Some car insurance companies offer a married discount, which enables married people to save 5% on their rates as a result of their marital status. Car insurance for married couples is cheaper (and includes discounts) because married people are perceived as more responsible and lower risk to insure. Car insurance companies do ask for proof of marriage under certain circumstances, so it’s a good idea to have your marriage license on hand.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 26, 2021

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Things to Know

  • Married discounts are offered to married couples as a reward for their perceived lower risk to insurance companies
  • Several major insurance companies offer married discounts to insureds
  • You can save 5% on your insurance rates with a married discount

If you’ve recently gotten married (or are planning to), you know there is a significant amount of paperwork involved in merging two lives. But along with all this paperwork comes some benefits in the form of savings.

As a married couple, you can save by compiling expenses, filing joint tax returns, and taking advantage of discounts, including for car insurance.

So what is a married discount? Does being married affect your car insurance rates? What are average married discount car insurance rates? What’s the difference between car insurance for married vs. single people?

Read this article to find the answers to all your married discount car insurance questions.

If you’re ready to shop for car insurance for married couples, you can enter your ZIP code in the tool on this page to get your first free quote.

What is a married discount?

Car insurance discounts are one way you can save on your insurance rates. You can qualify for discounts for how well you drive, how long you’ve been insured by the same company, personal characteristics like age and education level, and more.

Some car insurance companies offer married discounts.

Why? Auto insurance companies perceive married people as a lower risk because they are typically more personally and fiscally responsible and even live longer (according to the CDC) than unmarried individuals. This can also mean a lower base rate even before discounts.

Do car insurance companies ask for proof of marriage? The short answer is possibly, particularly if you ask your existing insured about a married discount before your next rate adjustment.

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What are the best insurance companies for married car insurance discounts?

Wondering where you can buy married discount car insurance? Take a look at this table to see which major auto insurance companies offer married couple discounts.

Married Discount Savings and Availability by Company
Insurance Company Offers Married Couple DiscountAmount Saved by Married Couple Discount
21st CenturyNo-
AAAYesNot Available
AllstateNo-
American FamilyNo-
AmeripriseNo-
AmicaYesNot Available
Country FinancialYesNot Available
EsuranceYesNot Available
FarmersNo-
GEICONo-
Liberty MutualYesNot Available
MetLifeYesNot Available
NationwideYesNot Available
ProgressiveYesNot Available
Safe AutoYes5%
SafecoYesNot Available
State FarmYesNot Available
The GeneralYesNot Available
The HanoverNo-
The HartfordYesNot Available
TravelersNo-
USAAYesNot Available
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As the data in the table indicates, not every company provides information on how much you can save with a married discount, but Safe Auto is a married discount car insurance company that lists savings at 5% for insureds.

The best way to find out how you can save the most with a married couple discount is to compare married discount car insurance quotes from multiple companies, which you can do with the tool on this page.

Married Car Insurance Discounts: The Bottom Line

Car insurance for married couples may be cheaper than for single people because car insurance companies often perceive married couples as a lower risk to insure. You can save 5% in discounts for being married from companies like Safe Auto.

If you’re ready to start shopping for affordable married discount car insurance, take a moment to use your ZIP code in our tool to get your first free quote today.

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