Comments on: Does Marriage Affect Car Insurance Premiums?

By: Ralph

Ralph — Thu, 05 Jan 2012 21:48:49 +0000

After being shacked up with my gf for 9 years, we decided to tie the knot. We had a domestic partnership on our Mercury insurance policy. Our marriage saved us $61.

By: Chris

Chris — Sat, 22 Oct 2011 01:37:31 +0000

when i got married i was with geico and the two of us had our insurance policies combined (2 vehicles) and the premiums went down by about 20 dollars a month. we then decided to divorce a couple of years later (still with geico) and even though we are not legally seperated yet geico increased my premiums by 50 dollars per month!!! i asked them why and they said in an email this:

“We have reviewed your policy, our records indicate that (spouses name) called in on 08/04/11 and stated that you were separated and she requested to be removed from the policy. You lost your married rate when she was removed from your policy. This is why you have seen the increase in your premium.”

By: RJ

RJ — Tue, 21 Jun 2011 20:43:49 +0000

We have a single Car with Geico. when I added my wife the premium dropped by 15 bucks.

By: Yes

Yes — Wed, 11 May 2011 18:28:12 +0000

got married and added my husband to our one car, premium went down by $350 per 6 months. with geico! im happy! i turn 25 this august so im looking forward to another discount!

By: Joe

Joe — Sat, 07 May 2011 07:42:41 +0000

Wow, your policy went down $352 every six months? That means by now esurance must be paying you.

By: Wilfredtr

Wilfredtr — Thu, 27 Jan 2011 03:23:25 +0000

I was surprised today (ergo my Google search that found this article) that GEICO did not care about my new married martial status. Our two cars were already on GEICO and yes, the premium went down before when I was added, and we were told today that there was NO ADDITIONAL discount for being married. Bummer!

By: Kerry

Kerry — Mon, 26 Oct 2009 21:21:31 +0000

I just changed my info with Geico to reflect married status & our policy went down by almost 100 dollars. We went from paying $882 to $789. Granted this is now a year later than your article!

By: CJ

CJ — Sat, 06 Dec 2008 03:41:52 +0000

My fiance and I were on the same policy (domestic partners) through esurance. When we got married, our policy went down $352 every six months!

By: Jay

Jay — Wed, 22 Oct 2008 19:48:20 +0000

As was noted above, some insurance companies do lower the premium based on marital status alone, regardless of how many cars you have. It would seem that if you are married, Geico is not the best insurance company to stick with.

By: GH

GH — Thu, 14 Aug 2008 02:15:14 +0000

Re: Blithe’s comment, Geico is generous where they offered me a multi-car discount for my boyfriend and me, given that we have been living together for more than 3 years. So, I guess the lesson learned (as Jim had commented earlier) is that it’s not the marriage discount but the multi-car discount, which can be acquired even without marriage.

By: Blithe

Blithe — Thu, 03 Jul 2008 19:16:03 +0000

After reading this post, my boyfriend and I tried to get a multi-car discount from AAA of Southern California. We have lived together for over two years but we are not planning to get married any time soon. We asked if our rates would be reduced if we joined our plans together and the agent at AAA said it didn’t matter if we lived together. We had to be married. At least we are both covered on both cars for no additional charge. It seems that the policy on marriage depends on the insurance company.

By: Stacey

Stacey — Wed, 02 Jul 2008 16:21:22 +0000

We received a combination of multi-vehicle, multi-policy discounts after getting married.

My husband and I both went from a single-car policy (no homeowner’s insurance, lived with parents) to a two-car policy with home, auto and life insurance from the same company. The home-auto combo netted us 10% off of our premiums, and adding life insurance added an extra 5% discount.

By: Rich

Rich — Tue, 01 Jul 2008 14:18:21 +0000

I just got married and changed my policy last night and added my wife as an additional driver (Progressive). To my surprise the premium went down.

By: Kimberly

Kimberly — Mon, 30 Jun 2008 16:14:17 +0000

My husband and I lived together for a year and a half, we shared one car, and he drove it most of the time. So there only ever was one policy for us. After we got married, I called up (esurance) and said our relationship status had changed to “married” and our premium went down by about $80/six months.

By: Alexandra Hancock

Alexandra Hancock — Mon, 30 Jun 2008 15:15:06 +0000

I’m 23 and counting the days till I can score a discount when I turn 25. My fiance and I share a car so our premium is pretty manageable. We do have to pay his motorcycle insurance so it ends up being the same as if we had two cars. Does anyone know if you can put a motorcycle and a car on the same policy and they would count it as a multi-vehicle account with a across the board decrease in premium?