Engaged Couple Car Insurance Discounts [2023]

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.

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.

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.

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.