Data study · filed with regulators
Do Married Drivers Really Pay Less for Car Insurance?
Updated
Yes — and the filings show by how much. Holding age and gender fixed, a single driver pays 13% to 36% more than a married one for bodily-injury coverage. It's not about the wedding; insurers find married drivers file fewer/cheaper claims on average, and the rate tables reflect it. Every figure below is filed and verified.
How much more a single driver pays
Each bar is that carrier's own single-driver bodily-injury factor vs its married factor, at a fixed age and gender.
Married vs. single, by carrier (SERFF-cited)
| Carrier / State | Reference profile | Married | Single | Single pays | SERFF |
|---|---|---|---|---|---|
| Mercury — NV | Female, age 35 | 1.09× | 1.48× | +36% | MERY-133976815 |
| State Farm — VA | Male, age 25 | 1.15× | 1.35× | +17% | SFMA-134688491 |
| Safeco — WA | Female, age 30 | 0.95× | 1.07× | +13% | LBRM-128951020 |
Marital status is often bundled with age and gender in the driver-class table, so each row holds one fixed age/gender reference. All figures are bodily-injury factors within a single carrier filing.
What this means for your rate
- Getting married can lower your rate — up to about a third off the bodily-injury factor at some carriers, all else equal.
- The gap is biggest for younger drivers. At age 22–25 the married/single difference is far larger than at 40+.
- Carriers weight it differently. One insurer barely distinguishes married vs single; another charges 30%+ more — so it pays to compare.
- Some states restrict it. A few states limit using marital status (and gender) in rating.
Cite this data
Free to cite and reference with attribution. Every figure is a public SERFF filing you can independently verify.
Suggested citation:
FastAutoQuote, “Married vs Single Car-Insurance Factors,” an analysis of filed SERFF driver-class factors. https://fastautoquote.org/do-married-drivers-pay-less-for-car-insurance
Machine-readable data: /api/v1/marital-factors.json · Media & data inquiries: press@fastautoquote.org
Related studies: Mileage · Your ZIP · Credit · Driver age.
