{"id":1099,"date":"2026-08-04T23:24:29","date_gmt":"2026-08-04T23:24:29","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=1099"},"modified":"2026-08-04T23:24:36","modified_gmt":"2026-08-04T23:24:36","slug":"single-divorced-widowed-auto-insurers-charge-more","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/saving-money-on-auto-insurance\/single-divorced-widowed-auto-insurers-charge-more\/","title":{"rendered":"Does Being Single, Divorced, or Widowed Affect Car Insurance Rates?\u00a0"},"content":{"rendered":"<p><span data-contrast=\"auto\">Imagine you just got married, and as you update your address and last name, you wonder: will this life change affect my car insurance? Or\u00a0perhaps you\u2019re\u00a0single and curious why your premiums seem higher than your married friends\u2019.\u00a0The truth is, marital status can significantly influence your auto insurance rates, but the impact varies depending on your state and insurer. Understanding how and why marital status affects your<\/span><a href=\"https:\/\/www.freeway.com\/auto-insurance\/\"><span data-contrast=\"none\">\u00a0car insurance<\/span><\/a><span data-contrast=\"auto\">\u00a0can empower you to make smarter decisions, save money, and avoid surprises when setting or renewing your car insurance policy.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In this article,\u00a0we\u2019ll\u00a0explore how marital status factors\u00a0in setting up\u00a0car insurance rates, the legal landscape across states, and practical tips on managing your coverage\u2014whether\u00a0you\u2019re\u00a0married, single, divorced, or widowed.\u00a0You\u2019ll\u00a0learn why married drivers often enjoy lower premiums, how combining policies or keeping separate ones can affect your costs, and what to do if your rates change after a major life event.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Why Do Insurers Consider Marital Status?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Insurance companies use marital status as a key factor in setting auto<\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/data-articles\/top-ten-insurance-rate-facts\/\"><span data-contrast=\"none\">\u00a0insurance rates<\/span><\/a><span data-contrast=\"auto\">\u00a0because it helps them assess risk based on data. Here\u2019s why marital status matters:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Lower Claim Frequency:<\/span><\/b><span data-contrast=\"auto\">\u00a0Married drivers tend to file fewer auto insurance claims compared to single, divorced, or widowed drivers.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Fewer Accidents:<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><a href=\"https:\/\/www.consumeraffairs.com\/insurance\/male-vs-female-driving-statistics.html\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Studies<\/span><\/a><span data-contrast=\"auto\">\u00a0show married individuals are involved in fewer car accidents,\u00a0indicating\u00a0safer driving behavior.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Cost Savings:<\/span><\/b><span data-contrast=\"auto\">\u00a0Because of this lower risk, married drivers typically pay about 5% to 10% less on average. This can translate into hundreds of dollars saved annually.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Higher Rates for Singles:<\/span><\/b><span data-contrast=\"auto\">\u00a0Single drivers may pay up to 34% more due to statistically higher risk.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">It\u2019s\u00a0important to remember that marital status is only one factor insurers consider. Other elements influencing your premiums include:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Driving record<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Credit score (where allowed by law)<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Age<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Type of vehicle<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Mileage driven<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Coverage options selected<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Together, these\u00a0<\/span><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/age-gender-affect-auto-rates\/\"><span data-contrast=\"none\">factors\u00a0<\/span><\/a><span data-contrast=\"auto\">determine your final auto insurance rate.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">How Marital Status Affects Setting Insurance Rates<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Insurance companies rely on statistical data to\u00a0set\u00a0insurance rates, and marital status is a significant part of this process. Married people are often viewed as more stable and responsible, which correlates with safer driving habits and fewer claims. This\u00a0perception\u00a0leads to lower premiums for married people compared to single people.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Married couples are also more likely to own more than one vehicle, live at the same address, and bundle multiple insurance policies such as home insurance and auto insurance. This bundling often results in discounts that single people may not qualify for.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">On the other hand, single\u00a0people\u00a0or those with a risky driver in the household often face higher premiums. Insurance companies consider single drivers more likely to file claims and be involved in accidents. This higher risk is reflected in the rates.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Joint vs. Separate Car Insurance Policies for Couples<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">One of the\u00a0common questions\u00a0couples\u00a0face\u00a0after marriage is whether to combine their car insurance policies or keep them separate. Both options have pros and cons, and the best choice depends on your unique situation.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Benefits of Combining Policies<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Most married couples\u00a0benefit\u00a0from combining their policies. Insurance companies often offer multi-vehicle discounts when insuring more than one vehicle under the same\u00a0policy. Bundling your car insurance with other policies, like home insurance or\u00a0renters\u00a0insurance, can also lead to lower premiums.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Combining policies\u00a0simplifies\u00a0managing your insurance, as you deal with one insurer, one bill, and one renewal date. This convenience is appealing\u00a0for\u00a0many couples.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">When to Consider Separate Policies<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">However, there are situations where keeping separate policies might be better. If one spouse is a risky driver with a history of accidents or traffic violations, adding them to a joint policy could increase premiums for both. Similarly, if one spouse has poor credit, it might be cheaper to\u00a0maintain\u00a0separate policies.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you have more than one vehicle and one spouse drives a high-risk vehicle (like a sports car), you may want to\u00a0insure\u00a0that vehicle separately.\u00a0Also, if you live at different addresses, you generally need separate policies.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Comparing quotes for both joint and separate car insurance policies is the best way to\u00a0determine\u00a0what saves you money.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\" wp-image-13292 aligncenter\" src=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/08\/FWY-single-divorced-widowed-auto-insurers-charge-more-2-300x200.jpg\" alt=\"Couple enjoying a road trip together, illustrating how marital status may affect auto insurance premiums.\" width=\"847\" height=\"564\" srcset=\"https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/08\/FWY-single-divorced-widowed-auto-insurers-charge-more-2-300x200.jpg 300w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/08\/FWY-single-divorced-widowed-auto-insurers-charge-more-2-768x512.jpg 768w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/08\/FWY-single-divorced-widowed-auto-insurers-charge-more-2-750x500.jpg 750w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/08\/FWY-single-divorced-widowed-auto-insurers-charge-more-2-294x196.jpg 294w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/08\/FWY-single-divorced-widowed-auto-insurers-charge-more-2-320x213.jpg 320w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/08\/FWY-single-divorced-widowed-auto-insurers-charge-more-2-285x190.jpg 285w, https:\/\/www.freeway.com\/knowledge-center\/wp-content\/uploads\/sites\/2\/2015\/08\/FWY-single-divorced-widowed-auto-insurers-charge-more-2.jpg 1000w\" sizes=\"(max-width: 847px) 100vw, 847px\" \/><\/p>\n<p><b><span data-contrast=\"auto\">You may also want to read:<\/span><\/b><a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/why-did-my-car-insurance-go-up\/\"><b><span data-contrast=\"none\">\u00a0Why Did My Car Insurance Go Up?\u202f<\/span><\/b><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">State Regulations and Variations<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">The impact of marital status on auto insurance rates varies significantly by state due to different regulations. Most states allow insurers to consider marital status when setting rates, but some states like California, Massachusetts, and Michigan restrict or prohibit this practice.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In states where marital status is restricted as a rating factor, insurers focus more on driving history, credit-based insurance scores, vehicle type, and mileage driven. This means married and single drivers may pay similar rates.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In other states, married couples\u00a0benefit\u00a0from lower premiums and multi-car discounts, while single, divorced, or widowed drivers often pay higher rates. Knowing your state\u2019s regulations can help you shop smarter and negotiate better rates.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Consumer Advocacy and Concerns<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Some consumer advocacy groups argue that using marital status as a factor in\u00a0setting\u00a0insurance rates is unfair, especially for divorced or widowed drivers. They contend that individual driving behavior should matter more than personal life circumstances.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">These concerns have led some states to restrict or ban the use of marital status in insurance pricing. However, insurers\u00a0maintain\u00a0that their pricing models are based on actuarial data that show married drivers file fewer claims and are safer on the road.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Understanding this debate can help you make informed decisions and seek insurers that prioritize fair and personalized pricing.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">How Married Couples Save on Auto Insurance<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Married couples often pay about 5% to 10% less on car insurance premiums compared to single people.\u00a0These\u00a0savings can add up to hundreds of dollars annually.\u00a0Here\u2019s\u00a0why:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Multi-Car Discounts:<\/span><\/b><span data-contrast=\"auto\">\u00a0Couples with more than one vehicle on the same policy often qualify for multi-vehicle discounts.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Multi-Policy Discounts:<\/span><\/b><span data-contrast=\"auto\">\u00a0Bundling auto insurance with home insurance or\u00a0renters\u00a0insurance can lower premiums.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Lower Risk Profile:<\/span><\/b><span data-contrast=\"auto\">\u00a0Married people statistically file fewer claims, leading to lower premiums.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Shared Household:<\/span><\/b><span data-contrast=\"auto\"> Insurers consider the combined risk of all drivers living at the same address, which often benefits married couples.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Companies offer specific discounts for married couples who bundle policies or insure multiple vehicles.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Impact of Poor Driving Records and Credit on Joint Policies<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">While combining policies offers savings, it can backfire if one spouse has a poor driving record or low credit score. A risky driver increases the overall risk profile, which can raise premiums for the entire policy.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In such cases, couples might consider separate car insurance policies to avoid paying higher premiums. However, some insurers\u00a0require\u00a0all licensed drivers living at the same address to be listed on the policy, even if they are excluded as drivers.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">It\u2019s\u00a0essential to shop around and compare quotes for both combined and separate policies to find the best financial plan.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Tips for Managing Auto Insurance After Life Changes<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Life events like marriage, divorce, or moving can affect your car insurance rates and coverage needs. Here are some practical tips to manage your auto insurance effectively:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Update Your Policy Promptly:<\/span><\/b><span data-contrast=\"auto\">\u00a0Notify your insurer about any changes in marital status or address to ensure\u00a0accurate\u00a0coverage.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Compare Quotes:<\/span><\/b><span data-contrast=\"auto\">\u00a0Use tools like Freeway Insurance to compare rates from multiple carriers.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Ask About Discounts:<\/span><\/b><span data-contrast=\"auto\">\u00a0Inquire about multi-car, multi-policy, safe\u00a0driver, and bundling discounts.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Review Coverage Options:<\/span><\/b><span data-contrast=\"auto\">\u00a0Adjust your deductibles and coverage limits to fit your budget and needs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Maintain a Clean Driving Record:<\/span><\/b><span data-contrast=\"auto\">\u00a0Avoid accidents and violations to keep premiums low.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Consider Bundling:<\/span><\/b><span data-contrast=\"auto\">\u00a0Combine auto insurance with home insurance or\u00a0renters\u00a0insurance for\u00a0additional\u00a0savings.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">List All Licensed Drivers:<\/span><\/b><span data-contrast=\"auto\">\u00a0Ensure all drivers in your household are properly listed to avoid coverage issues.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2><span data-contrast=\"none\">Compare Auto Insurance Rates After Life Changes with Freeway Insurance<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Life changes like marriage, divorce, or moving can\u00a0impact\u00a0your car insurance needs and rates. Freeway Insurance helps you navigate these changes by\u00a0providing\u00a0a simple way\u00a0to compare rates from multiple carriers,\u00a0helping\u00a0you to find the right coverage and savings tailored to your new circumstances.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:278}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Whether you prefer to shop\u00a0<\/span><a href=\"https:\/\/www.freeway.com\/\"><span data-contrast=\"none\">online<\/span><\/a><span data-contrast=\"auto\">, by phone at\u00a0<\/span><a href=\"tel:800-777-5620\"><span data-contrast=\"none\">800-777-5620<\/span><\/a><span data-contrast=\"auto\">, or in person at a\u00a0<\/span><a href=\"https:\/\/locations.freeway.com\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">local office<\/span><\/a><span data-contrast=\"auto\">, Freeway offers flexible options that put you in control of comparing policies and making informed decisions after major life events. Use Freeway to explore your options and secure coverage that fits your lifestyle and budget as your situation evolves.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Frequently Asked Questions<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<h3><span data-contrast=\"none\">Does marital status affect auto insurance premiums?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Yes, marital status is a significant\u00a0factor\u00a0insurers use when setting car insurance premiums. Married drivers typically enjoy lower premiums because they statistically file fewer auto insurance claims and have safer driving histories compared to single drivers.\u00a0Studies show married couples pay about 5% to 10% less on average, saving hundreds annually.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Should I add my spouse to my car insurance policy?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Adding your spouse to the same policy can often lead to savings through multi-car discounts and multi-policy discounts. However, if your spouse has a poor driving record or poor credit,\u00a0maintaining\u00a0separate policies might result in lower premiums.\u00a0It\u2019s\u00a0important to compare quotes to find the best\u00a0option\u00a0for your situation.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Are spouses automatically covered under each other&#8217;s car insurance?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">No, spouses are not automatically covered. You must notify your insurer and add your spouse to your policy to ensure coverage. If your spouse drives your vehicle regularly, they should be listed as a driver to avoid coverage issues. Some insurers allow you to list them as an excluded driver, but this can leave them uninsured in case of an accident.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Can unmarried couples receive similar discounts\u00a0as\u00a0married couples?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Yes, unmarried couples who live together and\u00a0insure\u00a0multiple vehicles on the same policy may qualify for multi-car discounts and multi-policy discounts. However, the impact of marital status on rates may still vary by insurer and state regulations.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">How does credit-based insurance score affect married vs. single drivers?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Insurance companies often use credit-based insurance scores to help set rates. Married couples tend to have higher credit scores and thus may\u00a0benefit\u00a0from lower car insurance costs compared to single drivers with poor credit.\u00a0Maintaining\u00a0a good credit score can significantly\u00a0impact\u00a0your premiums.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">What should I do if my auto insurance\u00a0premiums increase\u00a0after marriage or divorce?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">You should shop around and compare quotes from different companies, ask about available discounts such as multi-car and bundling discounts, review your coverage limits, and consider bundling policies. Maintaining a clean driving record, avoiding speeding\u00a0tickets\u00a0and moving violations, and improving your credit score can also help lower premiums over time.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Imagine you just got married, and as you update your address and last name, you wonder: will this life change affect my car insurance? Or\u00a0perhaps you\u2019re\u00a0single and curious why your premiums seem higher than your married friends\u2019.\u00a0The truth is, marital status can significantly influence your auto insurance rates, but the impact varies depending on your [&hellip;]<\/p>\n","protected":false},"author":1002635,"featured_media":13291,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[53,5],"tags":[93],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1099"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1002635"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=1099"}],"version-history":[{"count":11,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1099\/revisions"}],"predecessor-version":[{"id":13293,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/1099\/revisions\/13293"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media\/13291"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=1099"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=1099"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=1099"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=1099"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=1099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}