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Key Takeaways
- Married drivers typically pay less ($160 per year on average).
- State Farm charges the same rate regardless of marital status.
- Married couples often qualify for bigger multi-policy and multi-driver discounts, leading to even greater savings compared to single drivers.
Car Insurance for Married vs. Single Drivers
Married drivers spend an average of $160 less for auto insurance annually than single, unmarried drivers. While past statistics indicate that married couples are more likely than single people to share driving responsibilities, being married does not always translate into being a better driver.
As a result, each driver submits fewer claims and lowers their risk to an insurance company. Married drivers pay less for insurance than single drivers due to a few other rating variables.
Cheapest Insurance Companies for Married and Single Drivers
We obtained prices for both married and single drivers' auto insurance. We found that an unmarried driver will spend $80 more for a regular six-month coverage than a married driver, with all other metrics being held constant. Go through the average annual insurance rate for drivers with various marital status and find low-cost car insurance deals.
| Marital Status | Company | Avg. Annual Premium |
|---|---|---|
| Married | Allstate | $2,255 |
| Single | Allstate | $2,413 |
| Single | Farmers | $1,786 |
| Married | Farmers | $1,636 |
| Single | Nationwide | $1,476 |
| Married | Nationwide | $1,343 |
| Married | Progressive | $1,557 |
| Single | Progressive | $1,886 |
| Married | State Farm | $1,569 |
| Single | State Farm | $1,569 |
| Married | USAA | $1,365 |
| Single | USAA | $1,204 |
Only State Farm does not charge different premiums to married and single drivers. The prices offered by Liberty Mutual for married and single drivers fluctuate significantly. Drivers without children typically pay $692 extra per year with Liberty Mutual because of their marital status. The average marital status disparities by auto insurance companies are shown below.
| Car Insurance Provider | Average Annual Increase for Single Driver |
|---|---|
| Allstate | $56 |
| Farmers | $192 |
| Liberty Mutual | $693 |
| Nationwide | $50 |
| Progressive | $195 |
| State Farm | $0 |
| USAA | $88 |
Married vs. Single: Insurance Policy
An auto insurance policy might vary in a few ways besides premiums. Let's take a look at them. Remember that the data we offer will always contain outliers. Fair or not, auto insurance companies evaluate customers and set policy prices based on prior data.
Lubbock Auto Insurance Premiums by Company
| Company | Avg Annual Premium |
|---|---|
| Nationwide | $1539 |
| State Farm | $1572 |
| Texas Farm Bureau | $1713 |
| USAA | $1921 |
| Allstate | $2676 |
| Progressive | $2769 |
Credit Score
Your credit score mostly determines the amount you pay for auto insurance. Married drivers have higher credit scores than single drivers, according to statistical statistics. As a result, they usually pay less for auto insurance.
| Credit Tier | Avg. Annual Premium |
|---|---|
| Poor | $3,159 |
| Below Fair | $2,472 |
| Fair | $2,085 |
| Good | $1,770 |
| Excellent | $1,515 |
Homeowner status
Due to their perceived financial stability, homeowners are viewed as less dangerous customers than renters. Bundling will also increase an insurance company's revenue because home insurance policies are significantly more expensive than renter's insurance policies. Therefore, their multi-policy discount is greater. The data below illustrates that homeowners, whether or not they bundle, pay less for auto insurance than do renters.
| Homeowner Status | Avg. Annual Premium |
|---|---|
| Renter | $312 |
| Condo Owner | $306 |
| Home Owner | $306 |
| Renter With Multi-Policy | $300 |
| Condo Owner With Multi-Policy | $288 |
| Home Owner With Multi-Policy | $282 |
Discounts
Generally speaking, married couples are eligible for higher discounts than single people. Discounts for multiple drivers and vehicles can drastically lower your costs.
- Multi-vehicle discount
- Multi-driver discount
Shopping around is the best method to save money on auto insurance, regardless of your marital status. The only way to determine which business offers the best deal for you is to Compare customer-rated insurers before making your choice.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
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