Do single people pay more for car insurance than someone who’s married or living with their partner?
Car insurance can cost more if you’re the only driver on your policy. If your spouse or partner was a named driver on your policy, then you may be charged a higher premium if you get divorced or they die.
But do insurance companies charge drivers a higher premium after divorce, dissolving their civil partnership or after they’d been widowed, if they were the only driver named on their car insurance?
According to the Association of British Insurers, which represents most of the insurance companies:
- If you’ve added your spouse or partner to your car insurance, most insurers will charge you a higher premium once their name is removed. Adding a second driver to your car insurance policy can cut your premiums, as long as they are a good driver. So, you can understand why an insurer might charge you more if you take the second driver’s name off the policy.
- If you were the sole driver on your policy, and your marital status changes to divorced, separated or you become widowed, some car insurers will increase your premiums. Why? Insurers will do this if their claims history shows that those who are single, separated, divorced or widowed make more claims or more expensive claims than someone who’s married or in a civil partnership.
The problem is that we only have the insurers’ word for it that they do see higher claims from single, divorced or widowed people. And we only have their word for it that the amount they raise the premiums by is justified by the increased claims.
Interestingly, the ABI says that not all insurers will charge single drivers more for car insurance. So if your insurer wants to increase your premiums, don’t assume all will.
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Why do single people pay more for car insurance?
While it may seem to be based on antiquated notions of relationship statuses, data shows that single people pay more for car insurance as they are statistically more likely to have an accident and make a claim than married couples. In fact, some figures suggest that single drivers are twice as likely to have an accident than motorists who are married.
The good news is if you are in a relationship and are living with your partner, but aren’t married, some insurers will treat you the same as a married couple and offer you lower premiums. This may not be the norm across all insurers, so it’s good to check whether your provider will do this.
Of course there are always exceptions to the rule and your relationship status is only one of many factors your insurer will look at when it calculates how much you should pay. It’s likely that if you are a single, safe driver with no claims history, your premiums will be lower than a married person who has made several claims.
Compare cheap car insurance quotes
Car insurance renewal premiums have a habit of increasing every year, even if you haven’t made a claim. Compare car insurance quotes from over 110 UK providers – you could save up to £530* per year.
*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Is it better to put single or divorced when applying for car insurance?
As with any insurance, it’s important to be completely honest when you apply otherwise you could invalidate your policy and find yourself unable to claim. Despite this, detailing whether you are divorced or single can be a difficult question to answer. You could be both single and divorced, so the definition isn’t clear cut.
If your divorce happened recently or it feels recent, it’s probably worth putting divorced. If you are back in the dating pool and your divorce feels like a distant memory, then stating that you are single could be a better option. Ultimately, how you answer is up to you, and you shouldn’t let the potential cost sway you from answering honestly.
What to do if your insurer charges you more
If your insurer wants to increase your premium, there are steps you can take to keep the cost of cover down:
- Ask them to justify any price rise. It won’t guarantee a lower premium, but it may make them have a rethink.
- Consider adding someone else as a named driver. If you have grown up children, it may be worth adding one of them as a named driver. But this will only work if they haven’t made a claim or haven’t made one for a while, and don’t have a load of points on their licence.
- Shop around. Not all insurers increase their premiums if you’re single or separated.
- Consider using black box (telematics) insurance. This is where the insurer fits a black box recorder to your car. It means that your insurance premium is based on how you actually drive, not how the insurer thinks you drive.
Read more about the different ways you can reduce costs in our articles 10 practical tips to reduce your car insurance premiums, and 16 cheapest cars to insure.
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