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Married couples, how much could you save money on your car insurance? Find the best insurance for married couples and compare rates to get the most savings.
Car insurance companies frequently offer discounted rates for married couples, meaning a lower premium on car insurance. Although companies use different formulas to determine rates, generally speaking, a “couples rate” will be lower than for a single person. Insurers figure that some driving responsibilities will be shared, reducing time spent driving, which in turn can lower rates. Married couples are also likely to have multiple vehicles, which can mean a multi-policy discount.
However, it's still important to compare rates from multiple companies and find the best insurance policy for you and your spouse.
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One important thing to note is that auto insurance providers are regulated at the state level and some states prohibit using marital status as a factor in determining auto insurance premiums. So, your ability to qualify for discounts and get the best car insurance for married couples may depend on where you live.
The cost of car insurance also depends on an array of factors, including: age, driving history, credit score, number of miles driven, etc. Moreover, auto insurance companies weigh these factors differently when calculating rates.
Combining your policy with your spouse offers many benefits such as: discount eligibility, cheaper rates and convenience. Adding two drivers on a policy makes you eligible for auto insurance discounts, so if both spouses have cars on the policy, then you may be eligible for a multi-car discount. Additionally, the average auto insurance rate for married couples are less because they are considered responsible and safe drivers compared to their single counterparts. Having an auto insurance policy with the same insurance carrier also makes it more convenient to pay your bills on time and file a claim if needed. Single drivers are more prone to reckless driving and more likely to get in an accident, so it can be more challenging for them an affordable option.
Clearsurance analyzed customer reviews for car insurance from married couples. Here are the results of ten companies that offer the best car insurance for couples. Comparing rates on your car insurance will help you save money.
Ranking of car insurance companies that married customers have rated highly in Clearsurance reviews
Here are the top 10 companies that married couples have rated the highest in reviews submitted to Clearsurance.com. See the ranking in the table below along with the average car insurance rating that each company has on Clearsurance as of December 2020 in reviews from customers who stated that they are married. Read more details about the companies below the table.
| Rank | Company | Average score from married couples |
|---|---|---|
| 1 | USAA | 4.76 |
| 2 | Cincinnati Insurance Company | 4.61 |
| 3 | Amica Mutual Insurance Company | 4.56 |
| 4 | Erie Insurance Group | 4.50 |
| 5 | CSAA Insurance Group (a AAA Insurer) | 4.48 |
| 6 | Shelter Mutual Insurance company | 4.46 |
| 7 | AAA Insurance | 4.44 |
| 8 | Commerce Insurance | 4.44 |
| 9 | Auto-Owners Insurance Group | 4.41 |
| 10 | American Family Insurance | 3.39 |
In order to qualify for this list, companies must sell car insurance in at least 5 states and have at least 25 car insurance customer reviews accepted on Clearsurance.com. The ranking is based on the average score that each company has from customers who indicated they are married on the Clearsurance review form. Raw scores were used to determine the ranking, but scores are rounded to two decimal places for this blog.
1. USAA
USAA consistently receives high marks from its customers, including married couples. There is a catch though: In order to qualify for USAA insurance, you must be a member of the military or related to someone who is. Check and see if you are eligible to become a USAA member.
With a score of 4.76 stars out of a possible five, USAA’s customers rate the insurance highly for married couples, placing them in first on the list.
Read all USAA reviews on Clearsurance.com.
2. Cincinnati Insurance Company
The Cincinnati Insurance Company was founded in 1950 and is headquartered in Fairfield, Ohio. It offers a range of personal and commercial insurance products through a network of independent insurance agents. With more than 1,700 associates in field locations across the country, Cincinnati Insurance Company works with independent insurance agencies in 39 states.
Married people rate Cincinnati Insurance Company with 4.61 out of a possible five stars, securing them the second spot on this list.
Read all Cincinnati Insurance reviews on Clearsurance.com.
3. Amica Mutual Insurance Company
Amica was established in 1907, and is now headquartered in Lincoln, Rhode Island. It is the nation’s oldest mutual insurer of vehicles and offers an extensive line of insurance products in addition to auto, such as homeowners, marine, and umbrella insurance.
Married customers rate Amica Mutual Insurance Company’s auto insurance with 4.56 stars out of five possible, landing them in the third spot on our list.
Read all Amica reviews on Clearsurance.com.
4. Erie Insurance Group
Erie Insurance Group was founded with customer service as its top priority. Established in 1925, the company is based in Pennsylvania and offers home, auto, and life insurance, sold through an independent agent network to customers in twelve states and Washington, D.C.
Married customers give Erie Insurance Group’s auto insurance high marks, with 4.5 stars out of a possible five, placing them fourth on our list.
Read all Erie Insurance reviews on Clearsurance.com.
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5. CSAA Insurance Group (a AAA Insurer)
CSAA Insurance is provided to AAA members through partnerships. CSAA offers personal lines property and casualty insurance in the U.S., and although CSAA is the acronym for California State Automobile Association, the company offers insurance across a number of states.
Married couples rate CSAA Insurance Group, with 4.48 stars out of a possible five, granting it a fifth place on the list.
Read all CSAA reviews on Clearsurance.com.
6. Shelter Mutual Insurance Company
Shelter Mutual Insurance Company was founded in Columbia, Missouri in 1946. In the years since they were founded, they have expanded more than twenty states and offer insurance protection for home, life, auto, business, and agriculture.
Shelter Mutual Insurance Company's auto insurance rates highly with married couples, with 4.46 stars out of a possible five, earning the sixth rank on the list.
Read all Shelter Mutual reviews on Clearsurance.com.
7. AAA car insurance
The American Automobile Association (AAA) is one of the most well-known car insurance brands. It is most well known for its roadside assistance, but it also sells many different kinds of insurance across the United States.
AAA earned a score of 4.44 out of 5.0 stars in reviews from married customers on Clearsurance.com, earning the seventh spot on this list.
Read all AAA reviews on Clearsurance.com.
8. Commerce Insurance (MAPFRE)
Commerce Insurance, now called MAPFRE, is a popular brand for car insurance in many states. In addition to car insurance, MAPFRE sells other lines of insurance, including homeowners and renters insurance.
MAPFRE earned a score of 4.44 out of 5.00 on Clearsurance in reviews from customers who indicated they are married. This earned MAPFRE the eighth spot on this ranking of the best car insurance companies for married couples.
Read all Commerce Insurance (MAPFRE) reviews on Clearsurance.com.
9. Auto-Owners Insurance Group
Auto-Owners Insurance Group’s roots go back to 1916 in Michigan. The company sells many lines of insurance through independent agents. Auto-Owners is available in more than half the states and has more than 2.5 million customers.
Auto-Owners earned an average score of 4.41 out of 5.0 stars from married customers on Clearsurance.com. It earned the ninth spot on this ranking.
Read all Auto-Owners reviews on Clearsurance.com.
10. American Family Insurance
American Family is another well-known and popular brand across the United States. The company has been offering insurance for more than 90 years!
Married customers rated American Family highly with an average rating of 3.39 stars. American Family rounds out this holding the number 10 spot.
Read all American Family reviews on Clearsurance.com.
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These ten companies are highly rated on Clearsurance by married customers as offering the best car insurance for married couples. If you are married or will be getting married soon, check out these insurance companies for great rates once you've said “I do”!
For the best companies with the best rates in your zip code, visit the Clearsurance car insurance rankings page to see a ranking based on customer reviews.
Image source: Andrey_Popov/ shutterstock.com
The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.