Do Car Insurance Companies Ask For Proof Of Marriage?

After getting married, it’s crucial to list your spouse on your auto insurance policy. Insurance companies usually don’t ask for proof of marriage, but they may require social security cards and marriage licenses as public information. Married drivers are seen as financially stable and safer, so their personal relationship status affects the cost of car insurance. If you and your spouse have divorced, inform your insurance company about the change in marital status and advise them of any necessary changes. Car insurance protects drivers and their vehicles from risks of physical damage, theft, and accidents. Insurers may list your spouse as a licensed driver if they learn about your marriage.

Car insurance companies often consider marital status when determining premiums, as it is one of several personal characteristics that insurers take into account. Married drivers are statistically less likely to file a claim, so they usually pay about $30 – $50 less per year than an unmarried driver. In general, married people tend to get cheaper car insurance rates, as couples and families make fewer expensive claims than people who aren’t married.

Marriage status is often a part of the information that insurance companies pull when determining a rate for an insured. 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 coverage.

Insurers typically require you to inform your insurer within 30 days after your divorce is finalized. Most companies offer a car insurance discount to married couples of 5% to 15%, but getting a divorce will remove this discount. You may also lose out on multi-car and multi-policy discounts.

Additionally, it is legally required that you add your spouse to your policy. In general, car insurance for married couples could be less expensive than two separate policies. Many married couples combine to insure their vehicles with a single policy to help reduce their total insurance costs.

Insurers may ask for proof of marriage when buying a policy, but it is not unreasonable for an insurer to require it since the regulations do not consider it unreasonable. Car insurance companies refuse to pay when the customer violates the contract by breaking it.