Car Insurance for Unmarried Couples (2024)

FAQs

Car Insurance for Unmarried Couples? ›

In most cases, you can add an unmarried significant other to your car insurance policy if you both share a permanent residence. Sharing car insurance with another person may result in a lower price than purchasing two separate policies.

If you're living with your boyfriend or girlfriend, or if they use your vehicle frequently (more than 12 times per year), consider purchasing a shared car insurance policy. Most insurance companies will require anyone living in your residence to be added to your policy as a listed driver or be excluded altogether.

It might feel unfair that married people can receive lower rates for car insurance rates, but many insurance companies claim it makes sense. The companies operate under the assumption that married couples drive safer and get into fewer accidents.

Adding your boyfriend or girlfriend to your policy has benefits and drawbacks. It often increases your car insurance costs, but it also might provide you with more thorough coverage, which can help you save money if there's an accident.

Does being married get me better car insurance rates? Yes, married couples typically pay lower premiums than single people. In general, insurance companies view married people as financially stable and having more life experience.

#6 Marital Status

Insurance companies view married drivers as safer, less likely to take risks and more financially stable since they pool their assets. Married drivers might also be more likely to qualify for bundling or multi-vehicle discounts than their single counterparts.

The good news is, yes, you can typically add your girlfriend or boyfriend to your car insurance policy. Insurance companies understand that couples often share vehicles, and they provide options for including additional drivers on a policy.

Your insurance provider may also require you to add your significant other if they drive your car regularly. Excluded: If your significant other has a poor driving record or multiple claims, adding them as a driver on your policy may push your rate up.

Marital status can significantly influence car insurance premiums. Generally, insurers view married individuals as more stable and less likely to engage in risky driving behavior, resulting in fewer accidents and claims. Consequently, they often offer lower premiums to married couples.

If you do not live together and your partner rarely drives your vehicle, he or she does not need to be on your insurance policy. In this case, the insurance policy would likely cover an accident caused by this person if they borrow your car only rarely.

Do guys get charged more for car insurance? ›

Not all states allow insurers to use the gender listed on your driver's license as a factor for determining your car insurance premium. These are the states that don't allow someone's gender to influence their insurance rate: California.

If both cars are kept at the same address overnight, you can share a policy, even if you drive different vehicles or don't share a last name. Adding a roommate to your auto insurance will raise the cost of your individual policy, but it could be lower than the combined cost of two separate policies.

Car insurance for married vs.

On average, a married driver pays $160 less per year for car insurance than does a single, unmarried driver. While being married doesn't necessarily make you a better driver, historical data show married couples are more likely to share driving responsibilities than single people.

Married couples do not have to combine insurance policies. However, it usually makes sense to do so. Combining policies can qualify couples for discounts and lower rates. If you and your spouse have a good driving record, the savings you may qualify for can be significant.

Adding your husband or your wife to your policy will likely increase your auto insurance rates, but it should be cheaper than having two separate policies unless your spouse has a poor driving history. Married couples generally pay lower rates per person because research shows that they aren't as likely to file claims.

4. Does Marriage Status Affect Car Insurance? Marital status doesn't affect your eligibility for car insurance, but it can affect your rates. Being married makes you statistically less likely to file a claim, and your insurance company should recognize this statistical fact by rewarding you with lower premiums.

Your car insurance typically will cover other drivers operating your vehicle if they're listed on the policy. This may include your spouse or significant other, your parents, your siblings or your children. It also may include other household members.

Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.

Most car insurance policies will cover drivers you've listed on the policy, or anyone whom you give permission to drive your car, says Nolo.com. This means your insurance will likely cover another driver in the event of an accident, as long as they had your permission to drive your vehicle.