Do You Have to Be Married to Combine Your Auto Insurance? - Paul Eisenstein

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Most people already know that married couples can share an auto insurance policy, but what about couples who aren’t married? The short answer is that you can combine your car insurance, but there are a few important things you need to know about doing so.

We want to help you and your significant other find the best deals, no matter whether you choose to combine your insurance or not. That is why our team of experts carefully reviewed all of the best auto insurance providers, then used this information to find the best companies offering car insurance. You can take advantage of this information to receive quotes within minutes with our convenient quote box below. Simply enter your zip code and get free quotes from local providers.

Is It Possible to Combine Auto Insurance for Unmarried Couples?

The short answer to the question, “Can an unmarried couple combine auto insurance?” is yes. There are several ways that you and your significant other can share an auto insurance policy. To sum it up, this is possible if you share a car or have separate vehicles.

If you share a car, the car owner would be the main policyholder. You would add your significant other to the policy as an additional driver. If you each have your own vehicles, you can opt for a combined policy as single household members.

As you search for auto insurance options for unmarried couples, remember that not all car insurance companies will call it the same thing. The most common terms used include:

Unmarried Couple Insurance
Domestic Partner Insurance
Domestic Partnerships Insurance
Non-Married Insurance
Roommate Insurance
Non-Relative Insurance

The above list is far from exhaustive. If you aren’t sure whether your chosen insurance company offers one of these policies, just ask.

How to Get Auto Insurance as an Unmarried Couple

Now that you know that it is possible to get auto insurance as an unmarried couple, you need to know how to go about doing so.

Every insurance company will have its own requirements. In most cases, you will have to live in the same household. You will be hard-pressed to find a provider that doesn’t require this.

While insurance companies have their own name for this type of policy, the requirement to share an address is a common stipulation. You do not even have to be a couple to qualify for this type of policy, as long as you live at the same address and meet any additional requirements.

One potential exception to the requirement of having the same address is with engaged couples. Engaged couple policies will typically let you share a policy with your fianceé. However, these policies will require you to get married within the first 12 months of starting the policy.

Is Unmarried Couple Insurance the Same as Joint Auto Insurance Policy?

Yes, unmarried couple insurance is one type of joint auto insurance. It is important to note that joint auto insurance can also be called a multi-car policy.

It is also important to remember that not all insurance providers will offer this type of joint policy to unmarried couples. Some may require you to be married.

Benefits of Unmarried Couple Auto Insurance

Opting to combine your auto insurance with your significant other can deliver several benefits, including financial and convenience-related ones.

Financially, you can take advantage of multi-car or multi-policy discounts that many insurance providers offer, thus helping you find cheaper car insurance rates. Sharing a policy may also let both of you take advantage of a discount that only one of you would otherwise be eligible for.

This could include discounts for being a homeowner, having a good credit score or maintaining a clean driving record. Just remember that there is no guarantee an insurance provider will only apply discounts if you are both eligible.

Combining policies also makes your life more convenient. You have one fewer bill to remember to pay and one less account to track. You also have fewer policy numbers and documents to keep on hand.

Challenges of Unmarried Couple Auto Insurance

The biggest challenge of car insurance for unmarried couples is that they typically require both parties to live at the same address. This means you will not be eligible for this type of policy if you don’t live together yet. It also means that moving can complicate the policy.

What to Do When One of the Insured Drivers Moves

If one of the insured drivers moves, you will have to update your car insurance policy to reflect that. The primary policyholder will be responsible for contacting the insurance company to update the policy.

The good news is that the process of removing someone from an insurance policy is typically straightforward and simple. It should not take long, and the only difference will be that you can no longer share a policy. You will need to keep separate policies.

How to Save on Unmarried Couple Insurance

Just by getting joint car insurance, you will typically save money thanks to a multi-car discount. There are also many other car insurance discounts that you may be eligible for, including:

Homeowner discount
Safe driver discount (based on driving history or taking a defensive driving course)
Low mileage discount
Discount for bundling with other types of insurance policies (homeowners insurance, renters insurance, life insurance, etc.)
Discount for safety features on the car
Discount for security features on the car

You could also reduce your monthly premiums for full coverage insurance by lowering your deductible.

The important thing to remember is that discounts and car insurance quotes can vary by provider. You will typically find the best discounts and deals by comparing several providers.

Our Recommendations for Auto Insurance

If you aren’t sure where to start in your search for unmarried couple insurance, we recommend Geico, USAA and State Farm.

We also encourage you to use our free quote box to receive no-obligation insurance quotes using our comparison tool.

Geico: 9.1 out of 10.0

Geico earned the “Best Overall” award from our team. In ratings for coverage, cost and customer experience, the company received 9.0 points each.

USAA: 8.9 out of 10.0

USAA is our top choice for those who have served in the military and their immediate family members. The company earned a 9.0 for industry reputation, customer experience and cost, and an 8.5 for coverage.

State Farm: 8.5 out of 10.0

State Farm stands out with its student discounts, and its policies are good for couples of any age. The company earned a 9.5 for industry reputation, an 8.0 for cost and customer experience and an 8.5 for coverage.

FAQ: Unmarried Couple Auto Insurance

Can an unmarried couple get car insurance together?

Yes, many insurance companies offer car insurance policy options for unmarried couples, as long as you live together or are engaged to be married.

When is it better to keep your auto insurance separate?

You will need to keep your auto insurance separate if you don’t live at the same address. You may also want to keep it separate if you plan on moving in the near future.

Is it cheaper for unmarried couples to share auto insurance?

It is usually cheaper for unmarried couples to share auto insurance due to the multi-car discount. You should be able to find a policy from at least a few insurance providers as long as you live together.

Methodology

The Detroit Bureau collects data from every major car insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction, and ratings from industry experts. Each insurer is given a weighted score in four categories, as well as an overall score out of 10.0.

We recommend auto insurance companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.

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