Do insurance companies verify your marital status?

My boyfriend and I are moving in together and sharing an insurance policy. My friend told me we could save money by stating we're married. Would insurance companies verify if we're married?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Car insurance
companies pull several reports when determining a rate for an insured. Your marital status is often a part of this.
If you report on your application that you and your boyfriend are married but the underwriting department verifies you aren’t, you could risk losing your policy. While it is tempting to change your marital status to save money, you should be honest and upfront with your insurance company.
In fact, lying about anything on your insurance application is considered insurance fraud and could get you into some really hot water down the line. 
Instead of lying about your marital status, you should find out what additional discounts you may qualify for. Enrolling in a driving behavior program or telematics program is an easy way to save money if you have a good driving record.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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