Marital status & your car insurance

Your auto insurance premium could vary for many factors, and yes, after researching, we found that could include your marital status too. But let’s keep in mind that whatever your current marital status is, there’s no guarantee you’re getting a lower car insurance premium for it because, as we said before, it’s just one of many many factors insurance companies take into account when you get a policy with them.

In this guide, we’ll go over different marital statuses and how that personal situation affects your auto insurance. Let’s start:

1. Married.

Studies have proved in the past that insurance companies have actually given married people lower auto insurance rates than they give to people with different marital statuses with similar records and that might have to do with how insurance companies see married couples: mature and responsible people with greater financial security.

Besides that, insurance companies might think they are more likely to drive less than a single person because they share driving responsibilities and because having a family, it’s assumed that it makes it less probable for them to engage in dangerous behaviors on the road.

And that’s not it, married couples often apply to a number of bundles and discounts as they usually have other insurance types, more than one car and different assets to insure.

But hey, that’s not every time. It could work the other way around if you merge policies with your spouse who has a bad driving record. So, every case is unique and there are a big number of things to consider and take care of if you want to acquire a cheaper auto insurance policy.

2. Single

Now, the single people. They’re more likely to pay higher insurance premiums year to year than married people. And it’s not that insurance companies see single people as irresponsible but historically, their data have shown insurance providers incur lower risk with couples. But none of that means

there’s something wrong with your nor your driving, so relax, single person reading this article.

As we have mentioned before, not only many factors can benefit married couples when they want to get car insurance, they’re also more likely to be homeowners, have a solid credit score and fit other important aspects for insurance companies. And all that does affect your premium too.

3. Divorced.

Ending a marriage could also mean ending a lot of other things and one of those could be sharing a car insurance policy, which is one of the reasons your premium could be going up after divorcing.

Let’s look at it this way: after divorce you’re no longer sharing incomes and expenses with another person, so to an insurance company you could look a little less financially stable and that might cause your premium to go up and it’s nothing personal or against divorce, but their statistics have shown them the correlation between this event and how they should manage their policies.

But don’t worry, as a divorced person you still can find ways to save on your auto insurance on our buyer’s guide.

4. Widow(ed).

When talking about insurance, your risk profile is very important and it might change after becoming a widow as numbers have shown that they’re more likely to be involved in accidents than married persons. On the good side, on average, widows still pay less on car insurance than divorced and single people

5. Finally.

Your insurance is calculated taking many factors into account, that includes your driving record, your location, your vehicle, coverage options and more.

Researching, we found how relationship statuses affect car insurances yearly average.

Relationship status

  • Married
  • Widowed
  • Divorced
  • Single

Yearly average

  • $1,611
  • $1,665
  • $1,759
  • $1,760

Of course this doesn’t apply to every case and to get an actual estimate for your own auto insurance needs you should directly connect with an insurance provider.