Why do insurance carriers offer lower rates for married drivers?

"Is it legal to give married drivers a lower rate than unmarried drivers? Why are their rates lower?"

Answer provided by
Emily Maracle
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
Car insurance carriers have a wide variety of factors that they look at when determining a rate. While every carrier rates policies differently, most look at marital status. This is legal as insurance companies are allowed to determine their own rates.
Married drivers often have lower policy premiums because they are considered a lower risk than unmarried drivers. Insurance carriers conduct studies and research to inform their rates. It has been shown that married drivers are less likely to get into accidents and are typically more responsible.
While this may seem unfair, not every carrier weighs rating factors the same. Some carriers may care more about prior insurance and credit history than tickets and violations. One could refuse a driver based on tickets or their financial history. Another carrier may not even offer a lower rate if the insured is married.”

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