How Does Marriage Affect Auto and Home Insurance Rates?

Just married the love of your life? See how it affects your insurance rates.

First comes love, then comes marriage, then comes an evaluation of your insurance policies. Wait . . . what? That last part doesn’t sound like much fun—until you realize that getting hitched might save you money on insurance. Cha-ching!

Homeowners Insurance: Married vs. Single

If you're moving under one roof for the first time, you’ll need only one renters or homeowners insurance policy, which could save you both some green. Of course, when adding your spouse to your insurance, make sure to update the policy so it covers both your belongings and those of your partner.

Auto Insurance: Married vs. Single

Is car insurance cheaper if you’re married? It turns out that married men tend to be more responsible drivers, partly due to less drinking while driving. And some insurers perceive married people as better risks for auto insurance generally and offer them slightly lower rates.

You two lovebirds share dessert off the same plate, and now you can combine auto insurance policies too. You may get a multi-vehicle discount, another factor that could save you money. (Hmm, love turns out to be pretty good for your pocketbook!) Still, review your policies with an agent to make sure that’s the right move. If your spouse has a poor driving record or owns a pricey sports car, you might choose to keep your policies separate.

*The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent.

Insurance products in California offered by AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.