Anamarie Waite, Car Insurance Writer
@anamarie.waite
GEICO does not have a marriage discount. GEICO does, however, tend to offer lower rates to married couples over single people. Married couples also tend to qualify for more discounts, like GEICO’s multi-car and multi-policy discounts.
Married couples tend to be more careful and consistent, which translates to fewer accidents and less risk for the insurance company. Getting married should not cause your rates to go up, as a result, but there are exceptions. If your new spouse has a poor driving record or is considered a higher risk to insure for another reason, you could pay much more.
As you age, the amount you save just for being a married couple will decrease. After middle age, you may find the savings go away altogether because you both have a higher risk of getting into an accident as seniors.
This is how GEICO quotes were affected by a single driver in a 2017 Honda Accord getting married to a partner of the same age.
| Driver Profile(s) | Single Rate | Married Rate |
| 25 years old | $1,002 | $914 |
| 35 years old | $819 | $819 |
| 55 years old | $663 | $706 |
Do I have to add my spouse to my car insurance with GEICO?
You will have to add your spouse to your car insurance policy in almost all cases. Insurance companies are usually required by law to make policy information available to spouses. Your partner could be held financially responsible for an accident you caused, because you have shared ownership in each other’s assets. It’s also assumed that married couples will inevitably end up sharing vehicles, and most insurers require all licensed members of the household be listed on your policy. Even if you could avoid adding your spouse to your car insurance, it’s very unlikely you would save money by keeping separate policies.
You should notify GEICO that you have gotten married and merge policies with your partner as soon as possible, especially if you’re young and moving of your parents’ home permanently. Most insurance companies consider marriage an official break from your parent’s policy, since it’s assumed you won’t be living at the same address anymore and will register your own vehicles. You don’t want to risk a lapse in coverage because your insurer dropped you from a parent’s policy before you could get coverage with your spouse.
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