Engaged Couple Car Insurance Discounts [2023]
Looking for engaged couple car insurance discounts? Country Financial provides a 10 percent discount for engaged couples, and Liberty Mutual provides a 5 percent newlywed discount. However, you’ll save the most on car insurance for couples by qualifying for multiple discounts and by bundling your insurance policies. Compare engaged couple car insurance quotes today.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jul 8, 2023
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Only Country Financial offers a specific car insurance discount for recently engaged couples.
- Engaged couples can save money on car insurance from most major companies by taking advantage of multi-car discounts or a joint-policy.
- If you’re engaged, save even more on car insurance by bundling different policies you and your future spouse need.
Getting engaged is a huge life milestone. Not only do married couples statistically have a lower mortality rate, but when you compare married car insurance vs. single car insurance, married people pay less.
There are plenty of engaged couple car insurance discounts that can help you and your partner save 25 percent or more on your annual rates.
From a multi-car insurance discount to a homeowner discount, being engaged will make it easier for you to qualify for some massive car insurance savings.
Our easy guide will help you discover the different car insurance discounts you and your fiance can take advantage of. Read on to find affordable engaged couple car insurance quotes.
Can you get joint car insurance for unmarried couples?
Yes, in fact, even non-engaged people are eligible for most of the discounts we will cover. However, being engaged ensures you’re combining your finances with a person you already know you trust and can count on.
Ready to start comparison shopping for car insurance for engaged couples?
Just enter your five-digit ZIP code into our FREE online quote tool above to immediately receive rates for car insurance for couples.
Car Insurance Discounts for Engaged Couples
Statistically, being married shows a level of safety and responsibility that car insurance companies notice. Married couples are thought to have more financial stability as well since two people are combining their annual salaries.
According to the Centers for Disease Control and Prevention, married couples over the age of 25 even live longer than people who are never married or who are divorced.
When it comes to marriage and car insurance, there is only a small number of specific discounts available to engaged couples only.
Only Country Financial offers a discount for being engaged, which will provide you with a savings of 10 percent.
Liberty Mutual car insurance offers a newlywed discount, but it is only for the first year of marriage and is a savings amount of 5 percent.
However, there are plenty of other discounts that are much easier to qualify for once you are engaged and living with your partner. Take a look at the table below to see a few major discounts engaged couples can easily qualify for.
| Companies | Homeowner Discount | Married Discount | Multiple Policies Discount | Multiple Vehicles Discount |
|---|---|---|---|---|
| 21st Century | Yes | No | Yes | Yes |
| AAA | Yes | Yes | Yes | Yes |
| Allstate | No | No | Yes - 10% | No |
| American Family | No | No | Yes | Yes |
| Ameriprise | No | No | Yes | Yes |
| Amica | Yes - 5% | Yes | Yes - 15% | Yes - 15% |
| Country Financial | Yes - 12% | Yes | Yes - 25% | Yes - 15% |
| Esurance | Yes | Yes | Yes | Yes |
| Farmers | Yes | No | Yes | Yes |
| Geico | Yes | No | Yes - 10% | Yes - 25% |
| Liberty Mutual | Yes | Yes | Yes -20% | Yes - 10% |
| MetLife | Yes - 2% | Yes | Yes - 10% | Yes |
| Nationwide | Yes - 5% | Yes | Yes - 10% | Yes - 20% |
| Progressive | Yes | Yes | Yes - 12% | Yes - 10% |
| Safe Auto | Yes - 10% | Yes - 5% | No | Yes - 15% |
| Safeco | Yes - 10% | Yes | Yes - 15% | Yes - 15% |
| State Farm | Yes - 3% | Yes | Yes - 17% | Yes - 20% |
| The General | Yes - 5% | Yes | Yes - 15% | Yes - 15% |
| The Hanover | Yes - 5% | No | Yes - 10% | Yes - 5% |
| The Hartford | Yes | Yes | Yes - 20% | Yes - 5% |
| Travelers | Yes - 5% | No | Yes - 13% | Yes - 8% |
| USAA | No | Yes | Yes | Yes |
As you can see, most of the best car insurance companies offer discounts for being a homeowner, for bundling multiple insurance policies, and for putting more than one vehicle on your car insurance.
Once you actually tie the knot, you and your spouse can then qualify for the specific marriage discounts.
Keep reading and we’ll go over the details of how you can qualify for each of these savings. However, do keep in mind that every insurance company will have a slightly different name and discount rate for these savings.
Homeowners Car Insurance Discount for Engaged Couples
If you and your fiance already live together in a home you own, you might qualify for up to a 12 percent savings on your car insurance.
This discount is not the same as bundling insurance policies but is instead a reward for owning a home.
Owning a home is a sign of financial and personal responsibility. If you can provide proof of homeownership, AAA car insurance, State Farm car insurance, and even Travelers car insurance will take a percentage off of your annual car insurance rates.
Usually, a home tax statement, mortgage coupon, or even a homeownership insurance policy is enough proof to be eligible for the discounts.
If you already have car insurance, you can provide proof for this discount when your policy is up for renewal. Or, you can shop around for better engaged couple car insurance rates and ask about the discount right upfront.
Consider bundling your car and homeowners’ insurance policies with the same company for even lower annual rates.
Marriage Car Insurance Discount for Engaged Couples
Engagement doesn’t last forever. Soon enough, you will be married. Once you officially tie the know, inform your car insurance company and ask about a discount.
Is car insurance cheaper if you’re married? Oftentimes, it can be. Major companies like USAA car insurance, Nationwide, and Liberty Mutal all provide married couples with discounts of varying rates and amounts.
Does Geico car insurance give a discount for being married? While there is no specific Geico marriage discount, the company does offer multi-policy and multi-car discounts, which will be easy for engaged or married couples to qualify for.
While your savings might be minimal, only around 5 percent, this discount can stack up with others to create even more savings for you and your new husband or wife.
Multiple Policy Car Insurance Discount for Engaged Couples
A multiple policy car insurance discount is also known as bundling. Bundling is when you buy different types of insurance policies from one company.
This can include car insurance, homeowners insurance, life insurance, renters insurance, and even pet insurance.
Anyone can bundle multiple types of insurance policies. That includes car insurance for unmarried couples or for single people as well.
But statistically, married people are more likely to be homeowners and require more insurance policies.
Therefore, if you are engaged it will be easier for you to bundle house and car insurance policies and to qualify for these savings.
Multiple Vehicle Car Insurance Discount for Engaged Couples
Chances are good that both you and your fiance each own a vehicle. But how much does it cost to add a spouse to car insurance? If you and your partner are both low-risk drivers, you should actually save money on your overall rates.
You can have multiple cars covered by the same insurance policy. By adding more vehicles, you’re giving the insurance company more business.
Therefore, combined car insurance rates usually are lower per vehicle than if those cars were all on separate policies.
For example, Progressive car insurance provides a 10 percent multi-car discount, and Geico offers a 25 percent discounted rate.
Can married couples have separate car insurance policies? You absolutely can keep your policies separate after marriage, but you might not want to.
If you and your partner drive each other’s vehicles, you should add them to your policy.
The following video from The Insurance Nerd discusses the importance of adding your spouse to your car insurance policy in a little more detail.
However, for couples where one partner is low-risk and the other needs high-risk car insurance, it might actually be beneficial to wait to combine policies.
For example, if you’re a responsible driver with a good credit score, but your spouse has very bad credit and a rocky driving history, combing policies will likely cause your rates to increase because your partner is high-risk to insure.
Otherwise, combining car insurance after marriage or once you’re engaged is a great way for both partners to save some money.
Instead of paying for two separate policies, add both cars under the same one and ask then about receiving a multiple vehicle discount.
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Other Car Insurance Discounts for Engaged Couples
We’ve discussed the major car insurance discount options available to engaged couples, but there are a few more ways you and your fiance might be able to save.
For an engaged couple, car insurance compay savings can be very important.
Are you both great drivers with a clean driving history? How are your credit scores? Take a look at the table below to see a few more discounts offered by various insurance companies that might be relevant for you and your partner.
| Companies | Claim Free Discount | Full Payment Discount | Further Education Discount | Good Credit Discount | Low Mileage Discount |
|---|---|---|---|---|---|
| 21st Century | Yes | No | No | No | No |
| AAA | Yes | Yes | No | No | Yes |
| Allstate | Yes - 35% | Yes - 10% | No | No | Yes |
| American Family | Yes | Yes | No | No | Yes |
| Ameriprise | Yes | Yes | Yes | No | No |
| Amica | Yes | Yes - 4% | No | No | Yes - 10% |
| Country Financial | Yes | Yes | Yes | No | Yes |
| Esurance | Yes - 25% | Yes - 10% | Yes - 15% | No | Yes - 15% |
| Farmers | Yes | Yes | No | No | Yes |
| Geico | Yes - 26% | Yes | Yes | No | Yes |
| Liberty Mutual | Yes | Yes - $5 | Yes - 10% | No | Yes |
| MetLife | Yes - 20% | No | No | No | Yes |
| Nationwide | Yes - 10% | No | Yes - 15% | Yes | Yes |
| Progressive | Yes | Yes | No | Yes | Yes |
| Safe Auto | Yes - 10% | Yes - 5% | No | No | No |
| Safeco | Yes - 20% | Yes - 15% | Yes | Yes | Yes - 20% |
| State Farm | Yes - 15% | No | No | Yes | Yes - 30% |
| The General | Yes | Yes - 8% | No | No | Yes |
| The Hanover | Yes - 15% | Yes - 15% | Yes | No | Yes |
| The Hartford | Yes | Yes - 20% | No | No | Yes |
| Travelers | Yes - 23% | Yes - 7.5% | Yes | No | Yes |
| USAA | Yes - 12% | No | No | No | Yes |
Obviously, the opportunities for you and your fiance to save on your car insurance rates are endless.
If you are your partner are impeccable drivers, you can receive discounts for going a long time without filing any claims, which is similar to a safe driver discount.
If either you or your partner works from home or drives very little, seek out a low-mileage discount to save upwards of 30 percent on your car insurance.
You can even qualify for an anti-theft discount if your car model has additional safety and anti-theft technology. Which feature on your car is worth a discount on your car insurance?
According to the Insurance Information Institute, air bags and electronic stability controls are two major advancements that have lead to safer cars and fewer fatal accidents.
Therefore, everything from forward-collision warning systems to passive restraint systems, and even installing active, passive, or tracking anti-theft systems can lead to more savings.
As you’ve learned, it is surprisingly easy to find discounts on car insurance for married couples or engaged couples.
You are now well-equipped with all of the knowledge you need to secure your lowest, most affordable car insurance rates for you and your partner.
Before you buy engaged couple car insurance, be sure to shop around.
Don’t wait. Enter your five-digit ZIP code into our FREE online tool below to start comparing affordable car insurance quotes for engaged couples.
Case Studies: Engaged Couple Car Insurance Discounts
Case Study 1: The Homeowners Discount
Mary and John recently got engaged and are planning to move into their first home together. They both have separate car insurance policies but decide to explore the possibility of combining their coverage . Bundling car and homeowner’s insurance earns them a 12% discount on premiums.
Case Study 2: The Multi-Vehicle Discount
Sarah and Michael are engaged and each own a vehicle. They decide to add both cars to the same car insurance policy, which allows them to take advantage of the multiple vehicle discount offered by their insurance company. With this discount, they save 10 percent on their overall car insurance rates.
Case Study 3: The Safe Driver Discount
Emma and David have been engaged for a year and have maintained excellent driving records. They have gone a long time without filing any claims, and as a result, they qualify for a safe driver discount. This discount helps them save an additional 15 percent on their car insurance premiums.
Case Study 4: The Bundling Discount
Jennifer and Mark recently got engaged and are planning their wedding. They decide to combine their car insurance policies with their renter’s insurance policy, all provided by the same insurance company. By bundling their policies together, they are able to receive a 20 percent discount on their car insurance premiums.
Case Study 5: The Low-Mileage Discount
Amy and Ryan are engaged and both work from home, resulting in very little driving. They inquire about a low-mileage discount with their car insurance company and discover that they qualify for a 30 percent discount on their car insurance premiums due to their minimal mileage. This helps them save significantly on their overall insurance costs.
Frequently Asked Questions
Are there any car insurance discounts specifically available for engaged couples?
Yes, many car insurance companies offer discounts specifically designed for engaged couples. These discounts are often referred to as “engaged couple car insurance discounts” or “bundling discounts.”
What is an engaged couple car insurance discount?
An engaged couple car insurance discount is a type of discount offered by insurance companies to couples who are engaged to be married. It provides savings on car insurance premiums when both individuals in the couple insure their vehicles with the same insurance company.
What are the benefits of an engaged couple car insurance discount?
Engaged couple car insurance discounts can provide several benefits, including:
- Cost savings: By bundling your car insurance policies together, you may be eligible for a discounted rate, resulting in lower overall premiums.
- Simplified management: Having both car insurance policies with the same company makes it easier to manage your insurance needs, including payments and policy updates.
- Enhanced coverage options: Insurance companies may offer additional coverage options or benefits to engaged couples as part of the discount package.
How can I qualify for an engaged couple car insurance discount?
To qualify for an engaged couple car insurance discount, you typically need to meet the following criteria:
- Be engaged to be married: Insurance companies generally require proof of your engagement, such as a copy of your engagement ring receipt or a marriage license application.
- Insure both vehicles with the same company: To avail of the discount, you and your partner need to insure your vehicles with the same insurance provider.
Can an engaged couple car insurance discount be combined with other discounts?
Yes, in most cases, an engaged couple car insurance discount can be combined with other eligible discounts offered by the insurance company. This allows you to maximize your savings and potentially enjoy additional benefits.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.