Does getting married reduce the cost of car insurance?

There are lots of reasons to get married – you get to choose a wedding list, a sparkly ring and go on a lovely holiday afterwards. But let’s not forget the most important thing about getting married…it could lower your car insurance – here’s why.

There are lots of reasons to get married – you get to choose a wedding list, a sparkly ring and go on a lovely holiday afterwards. But let’s not forget the most important thing about getting married…it could lower your car insurance – here’s why.

Daniel Hutson
From the Motor team
minute read
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Posted 4 FEBRUARY 2021

With this ring – I give thee a lower premium

Marriage symbolises so many things, not least it demonstrates that you’re responsible and care enough about another human being not to do anything crazy or reckless. Figures suggest that couples and families make fewer expensive claims than singletons. As a result, insurers may offer you a more attractive insurance premium.

Even if you’re in a traditionally ‘high risk’ insurance group, such as if you’re under 25, putting a ring on it can give you an advantage. It might seem a bit unfair but studies show that single drivers are at twice the risk of having an accident behind the wheel compared to people who are living in matrimonial bliss.

However, just because you are married, your car insurance premium isn’t always guaranteed to go down. If you’ve racked up points or made a claim in the past, then tying the knot might not be enough to cancel out those misdemeanours. 

But what if we’re a couple but not married?

If you haven’t got round to popping the question yet and lowering your car insurance isn’t a good enough reason to propose, then don’t fear. If you both live at the same address, some insurers will treat you as if you were married and revise your premium accordingly. But same goes as before – if your previous insurance and driving history are less than perfect, being part of a co-habiting couple might not save you money.

Spread the risk, spread the cost

Your car insurance is calculated on your risk as a driver – and your premium’s based on things like how old you are, where you live, how many miles you drive, where you park your car at night and whether you’ve made any claims in the past. By adding a named driver to the policy, you’re spreading the risk across more people and limiting the amount of time any one person spends behind the wheel – so much the better if that named driver is experienced and has never made any claims.

Don’t fall into the fronting trap

Adding a named driver to your policy may be one way of lowering your car insurance but be careful about who’s actually in the driving seat. A named driver is one that occasionally drives your car, the main driver (as the name would suggest) is the one who uses the car for the most amount of time. If you say someone else is the main driver but they’re not, in order to lower your insurance premium – it’s called fronting and it’s against the law. You can sometimes unwittingly fall into this trap as many parents do when they take out insurance policies for their children. So be clear about who’s using the car that you’re insuring.

If I’m not married, what else can I do to get discount car insurance?

If you’re still loving life as a singleton there are still some things you can do to lower your car insurance:

  • Choose the car you drive carefully – cars are categorised into insurance groups, numbered 1-50 and generally the lower the number, the lower the car insurance. So when you come to buying a new car, it’s always worth just checking out where it sits in the insurance group hierarchy.
  • Security –install an approved security system or immobiliser, even better is if you can tuck your car away in a secure garage at night.
  • Be accurate – try to be as accurate as possible when calculating your mileage, rounding up could push you into the next price bracket.
  • Pay upfront – if you can, pay your insurance up front for the year, monthly instalments could be increased with interest and admin fees.
  • Telematics – if you’re under 25, this is becoming an increasingly popular way to potentially lower car insurance premiums. It involves installing a ‘black box’ device in your car or downloading an app to your phone which records how and when you drive, if you’re shown to be a good driver then it could see your premiums lowering faster than through the traditional route of building up a decent no claims discount which can take a couple of years, plus you will still be earning no claims discount if you don’t make any claims.

Start comparing

At Compare the Market we love car insurance – it’s a marriage made in heaven and as the UK’s biggest comparison site with over 102** trusted car insurance providers, we’re pretty sure we can get you a good deal. Half of our customers found they could save £228*** when they compared the market with us so go on, take the plunge and seal the deal, start comparing to find your best match.

**Correct as of November 2020.

**Based on Online independent research by Consumer Intelligence during November 2020. 50% of customers could achieve this saving on their car insurance through Compare the Market.

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