How Getting Married (or Divorced) Affects Your Car Insurance 

Life events like marriage or divorce can change more than just your personal life; they can also impact your car insurance rates. Whether you’re tying the knot or going your separate ways, it’s important to understand how these transitions affect your coverage and what you can do to stay protected and potentially save money.

Foulcard Insurance Agency works with clients navigating these changes and helps them make informed insurance decisions that match their new circumstances.

What Happens When You Get Married?

Marriage often brings financial benefits, and car insurance is no exception. Many couples see a noticeable drop in premiums after getting married, especially if both individuals have clean driving records.

Here’s why insurers may offer lower rates to married drivers:

• Lower perceived risk—Statistically, married individuals are involved in fewer accidents.

• Bundling opportunities—Combining two vehicles under one policy often unlocks multicar or multipolicy discounts.

• Improved driving profiles—If your spouse has a good driving history, that can work in your favor.

Getting married is a good time to compare rates, explore bundling auto and home coverage, and review all eligible discounts.

What About Divorce?

Divorce can have the opposite effect, especially if your household goes from two insured drivers to one. It’s important to take prompt action to update your insurance to reflect your new living situation.

After a divorce, take the following steps:

1. Separate policies. Remove your ex-spouse from your policy and secure individual coverage.
2. Update your address and garaging information. Where your vehicle is kept can impact your rate.
3. Check your vehicle title. Only the legal owner should be listed on your policy.
4. Reevaluate coverage needs. You may want to change your deductible, remove roadside assistance, or adjust your coverage limits based on your new budget and driving habits.

Being proactive can help you avoid lapses in coverage and keep your premiums reasonable during this transition.

Learn More

Let our local team walk you through your options and ensure you’re covered no matter where life takes you. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.