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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Nov 3, 2021

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The Short of It

  • Most auto insurance companies require you to add your spouse to your insurance policy
  • Many companies offer auto insurance discounts and lower rates to married couples
  • Depending on the state that you live in, you may be able to exclude your spouse from your auto insurance policy

When you get married you naturally start combining your lives. Although combining car insurance after marriage can usually save you money, there are times that it doesn’t work in your favor.

However, auto insurance companies that require spouses to be on the same policy usually offer lower rates and an extra discount to married couples.

If you are married, shop around for auto insurance that gives you both the best rates. Compare multiple auto insurance companies to find the best coverage with low rates.

Keep reading to learn more about car insurance companies that require spouses to be on the same policy. Enter your ZIP code to compare free quotes from companies in your area today.

What auto insurance companies require spouses to be on the same policy?

Most auto insurance companies make you list your spouse on your policy. The reason is simple. If you live in the same house, there is a very high chance that you drive each other’s cars.

Rates from auto insurance companies that require spouses to be on the same policy are usually lower because they feel drivers who are married are less risky and are safer drivers.

In fact, married people are generally healthier and live longer than single people according to the Centers for Disease Control.

This table shows you average annual rates for drivers based on age, gender, and marital status.

Average Annual Auto Insurance Rates Based on Age, Gender, and Marital Status
CompanyAverage Annual Rates Single 17-Year-Old FemaleAverage Annual Rates Single 17-Year-Old MaleAverage Annual Rates Single 25-Year-Old FemaleAverage Annual Rates Single 25-Year-Old MaleAverage Annual Rates Married 35-Year-Old FemaleAverage Annual Rates Married 35-Year-Old MaleAverage Annual Rates Married 60-Year-Old FemaleAverage Annual Rates Married 60-Year-Old Male
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89
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Older married drivers have much cheaper rates. Younger drivers who aren’t married are seen as riskier drivers.

Adding your spouse to your policy is easy. You just have to contact your auto insurance company and tell them you have gotten married.

Do car insurance companies ask for proof of marriage?

Depending on your company, you may have to provide a copy of your marriage certificate as well as an updated driver’s license with a name change.

Why would you not want to share an auto insurance policy with your spouse?

Although it is usually cheaper for a married couple to share an auto insurance policy, there are multiple reasons to consider excluding your spouse from car insurance.

Quotes from auto insurance companies that require spouses to be on the same policy can be more expensive if one of you has less than perfect criteria.

If your spouse has a bad driving record, drives an expensive car, or even has bad credit, both of your auto insurance rates can go up if your policy is combined.

While most companies want you to share a policy, you may be able to find auto insurance companies that don’t require spouses to be on the same policy in certain states.

Each state will have its own rules about what auto insurance companies can and cannot require.

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How can married couples save money on auto insurance?

Most companies offer auto insurance discounts married couples can take advantage of. Not only do many insurers offer a married couples discount, but many other discounts may apply as well such as a multi-vehicle discount.

This table shows you common auto insurance discounts from the top companies. The amount of the discount is listed if it is known.

Auto Insurance Discounts by Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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For even greater savings, bundle multiple discounts and take advantage of lower rates for married couples.

Auto Insurance Companies that Require Spouses to be on the Same Policy: The Bottom Line

Most auto insurance companies require your spouse to be listed on your policy. However, some states allow you to exclude your spouse.

In general, married couples save money on car insurance by sharing a policy since many companies offer lower rates and more discounts to married people.

Shop around to find the cheapest auto insurance rates for married couples. Find the best company with the lowest rates that gives perks for being married.

Now that you know about auto insurance companies that require spouses to be on the same policy, enter your ZIP code to compare quotes from companies near you for free.