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Does getting a divorce affect your auto insurance?
When I added my wife to my policy, I remember that my rates decreased due to the marriage discount. When I remove her from my policy, will they go back up?
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Relationship status impacts your insurance policy rate, so sadly, you are likely to see an increase in your
car insurance
. Statistically, married drivers are involved in fewer accidents and file fewer claims than single or divorced drivers. However, this can depend on several factors and, depending on the situation, your rate could stay the same or decrease. Other common changes that also may happen when you are separating from a spouse from your policy include:
- Address change
- Removing or adding cars to the policy
- Removing one or more drivers
- Payment plan changes
- Occupation changes
All of these factors can increase or decrease your policy. If your spouse had any negative driving activity, removing her from the policy may dramatically reduce your rate. If you are going down to one car, losing the
multi-car discount
would increase your rate. Work closely with your agent and review any additional options you may have to lower your rate in the future.Anytime there is a significant life change, it is good to re-evaluate your insurance needs. By
bundling both your auto and home insurance
together, you can save on both policies with a multi-line discount.Using a smart comparison tool like the
Jerry app
will help make the transition quick and easy! Jerry collects auto and home quotes from over 50 carriers and brings the lowest available rates right to the app on your phone.Good luck on your new life!”
View full answer
- Gregory R.
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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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