Best Car Insurance for Domestic Partnerships in 2024 (Top 10 Companies)
Progressive, State Farm, and Allstate have the best car insurance for domestic partnerships, with prices starting at $36 a month. They offer special policies and discounts, making them the best picks for domestic partnerships. Check out their services to see why they're highly recommended.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Nov 4, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Full Coverage for Domestic Partnership
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
17,759 reviewsCompany Facts
Full Coverage for Domestic Partnership
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
11,413 reviewsCompany Facts
Full Coverage for Domestic Partnership
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviewsThe top picks for the best car insurance for domestic partnerships are Progressive, State Farm, and Allstate, with Progressive leading the way with the most competitive rates.
Welcome to our comprehensive guide on car insurance for domestic partnerships. Whether you’re in a committed relationship, living under the same roof, and sharing vehicles, this article will provide you with valuable insights.
Our Top 10 Company Picks: Best Car Insurance for Domestic Partnerships
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | 30% | Coverage Options | Progressive |
 | #2 | 17% | 25% | Customer Service | State Farm |
 | #3 | 25% | 30% | Innovative Features | Allstate |
 | #4 | 20% | 25% | Vanishing Deductible | Nationwide |
 | #5 | 15% | 30% | Safe-Driving Discount | Liberty Mutual |
 | #6 | 12% | 20% | Competitive Rates | Travelers |
 | #7 | 15% | 30% | Bundling Discounts | Farmers |
 | #8 | 10% | 20% | Additional Benefits | The Hartford |
 | #9 | 20% | 25% | Roadside Assistance | AAA |
 | #10 | 20% | 30% | Bundling Policies | American Family |
We’ll cover important topics such as the benefits of adding your partner to your car insurance policy, understanding coverage options tailored for domestic partnerships, and maximizing savings through multi-car and multi-policy discounts.
Our aim is to help you protect your shared assets and navigate the world of car insurance with confidence. Ready to find the best insurance rates? Enter your ZIP code now and compare quotes from top providers to secure the coverage that suits your needs.
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#1 – Progressive: Top Overall Pick
Pros
- Competitive Rates: Progressive stands out for consistently offering competitive rates, making it an attractive choice for budget-conscious consumers. Discover insights in our Progressive insurance review & ratings.
- Coverage Options: Recognized for providing diverse coverage options, allowing customers to tailor their policies to specific needs.
- Positive Customer Reviews: With a high customer rating of 4.09 and low complaint levels, Progressive earns trust and satisfaction from its policyholders.
Cons
- Average Monthly Rate: While competitive, the average monthly rate for good drivers at $136 may be relatively higher compared to some competitors.
- Limited Low-Mileage Discount: The low-mileage discount of up to 30% is available, but competitors may offer more favorable discounts for those with minimal driving.
#2 – State Farm: Best for Customer Service
Pros
- Affordability: State Farm earns a spot for affordability, offering an average monthly rate of $103 for good drivers.
- Customer Service: Known for stellar customer service, State Farm prioritizes customer satisfaction, reflected in its high rating of 4.00.
- High A.M. Best Rating: Boasting an A+ A.M. Best rating, State Farm demonstrates financial stability and reliability. Unlock details in our State Farm insurance review & ratings.
Cons
- Limited Low-Mileage Discount: While offering a low-mileage discount, State Farm may not be as competitive in this aspect compared to other providers.
- Fewer Coverage Options: Some customers seeking a wide range of coverage options may find State Farm’s offerings more limited.
#3 – Allstate: Best for Innovative Features
Pros
- Advanced Coverage Options: Allstate is recognized for providing advanced coverage options, appealing to those seeking comprehensive protection. Delve into our evaluation of Allstate insurance review & ratings.
- A+ A.M. Best Rating: With a strong A+ rating, Allstate demonstrates financial stability and reliability.
- High Multi-Policy Discount: Offers up to 25% multi-policy discount, incentivizing customers to bundle and save.
Cons
- Higher Average Monthly Rate: Allstate’s average monthly rate for good drivers at $176 is relatively higher compared to some competitors.
- Limited Low-Mileage Discount: While offering a low-mileage discount, Allstate may not be as competitive as other providers in this aspect.
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#4 – Nationwide: Best for Vanishing Deductible
Pros
- Reasonable Rates: Nationwide provides reasonable rates, striking a balance between affordability and coverage. Access comprehensive insights in our Nationwide insurance review & ratings.
- Vanishing Deductible: Offers a vanishing deductible option, allowing policyholders to reduce their deductible over time.
- Solid A.M. Best Rating: Nationwide maintains a solid A.M. Best rating, reflecting financial strength.
Cons
- Limited Innovation: Nationwide may not offer as many innovative features as some competitors, potentially lacking advanced coverage options.
- Fewer Coverage Options: Some customers seeking a wide array of coverage options may find Nationwide’s offerings more limited.
#5 – Liberty Mutual: Best for Safe-Driving Discount
Pros
- Comprehensive Coverage: Liberty Mutual offers comprehensive coverage options, providing a wide range of choices for policyholders.
- Adequate Financial Strength: With a strong financial standing, Liberty Mutual reassures customers of stability and reliability.
- Additional Benefits: Beyond standard coverage, Liberty Mutual may provide additional benefits, enhancing the overall value for policyholders. Discover more about offerings in our Liberty Mutual insurance review & ratings.
Cons
- Higher Average Monthly Rate: Liberty Mutual’s average monthly rate for good drivers at $200 is relatively higher compared to many competitors.
- Limited Low-Mileage Discount: The low-mileage discount offered by Liberty Mutual may not be as competitive as some other providers.
#6 – Travelers: Best for Competitive Rates
Pros
- Competitive Rates: Travelers offers competitive rates, making it an appealing choice for cost-conscious consumers.
- Bundling Discounts: Provides bundling discounts, encouraging customers to consolidate their insurance needs for added savings.
- Solid Reputation: Travelers has a solid reputation for customer satisfaction and low complaint levels. Check out insurance savings in our complete Travelers insurance review & ratings.
Cons
- Limited Low-Mileage Discount: The low-mileage discount offered by Travelers may not be as competitive as some other providers.
- Regional Availability: Coverage and benefits may vary based on location, limiting consistency across different regions.
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#7 – Farmers: Best for Bundling Discounts
Pros
- Solid Coverage Options: Farmers provides a range of coverage options, allowing customers to tailor their policies to specific needs. Read up on Farmers insurance review & ratings for more information.
- Bundling Discounts: Offers up to 30% bundling discount, providing a significant incentive for customers to consolidate their insurance needs.
- Competitive A.M. Best Rating: Farmers maintains a competitive A.M. Best rating, reflecting financial stability.
Cons
- Higher Average Monthly Rate: Farmers’ average monthly rate for good drivers at $167 may be relatively higher compared to some competitors.
- Limited Low-Mileage Discount: The low-mileage discount offered by Farmers may not be as competitive as other providers.
#8 – The Hartford: Best for Additional Benefits
Pros
- Affordable Rates: Hartford offers affordable rates, making it an attractive option for budget-conscious consumers.
- Additional Benefits: Provides additional benefits beyond standard coverage, adding value for policyholders.
- Low Complaint Levels: Hartford maintains low complaint levels, indicating a high level of customer satisfaction. More information is available about this provider in our The Hartford insurance review & ratings.
Cons
- Limited Innovation: Hartford may not offer as many innovative features as some competitors, potentially lacking advanced coverage options.
- Regional Availability: Coverage and benefits may vary based on location, limiting consistency across different regions.
#9 – AAA: Best for Roadside Assistance
Pros
- Affordable Rates: AAA offers competitive rates, making it an attractive choice for budget-conscious customers. See details in our AAA insurance review & ratings to learn more.
- Roadside Assistance: As a well-known provider, AAA includes roadside assistance in its offerings, providing added value to policyholders.
- Multi-Policy Discount: AAA offers up to 20% multi-policy discount, encouraging customers to bundle multiple insurance products.
Cons
- Limited Innovation: AAA may not be as innovative as some competitors, potentially lacking advanced features in coverage.
- Regional Availability: Coverage and benefits may vary based on regional AAA clubs, limiting consistency across different locations.
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#10 – American Family: Best for Bundling Policies
Pros
- Reasonable Rates: American Family provides reasonable rates, striking a balance between affordability and coverage. Learn more in our American Family insurance review & ratings.
- Bundling Policies: Offers up to 30% discount for bundling policies, encouraging customers to consolidate their insurance needs.
- Low Complaint Levels: American Family maintains low complaint levels, indicating high customer satisfaction.
Cons
- Regional Availability: Coverage and discounts may vary based on location, limiting uniformity across different regions.
- Limited Innovation: American Family may not offer as many innovative features as some competitors in the industry.
What You Need to Know About Car Insurance for Domestic Partners
Understanding the cost implications of car insurance is pivotal for domestic partnerships aiming to secure optimal coverage. Below is a succinct table detailing the average monthly car insurance rates offered by various reputable insurance companies for both minimum and full coverage options.
Monthly Car Insurance Rates for Domestic Partnerships
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $37 | $103 |
| Allstate | $64 | $176 |
| American Family | $43 | $137 |
| Farmers | $61 | $167 |
| Hartford | $47 | $133 |
| Liberty Mutual | $67 | $200 |
| Nationwide | $48 | $136 |
| Progressive | $48 | $136 |
| State Farm | $36 | $103 |
| Travelers | $37 | $108 |
When analyzing the specific coverage rates presented in the table, it becomes evident that there’s a considerable variation among insurance providers catering to domestic partnerships. For those seeking minimum coverage, State Farm offers the most competitive rate at $36 per month, closely followed by AAA and Nationwide at $37 and $48, respectively.
On the other end of the spectrum, Liberty Mutual presents the highest rate for minimum coverage at $67 monthly. For those opting for full coverage, the rates fluctuate even more noticeably. Allstate stands out with the highest rate of $176, while State Farm remains consistent with a rate matching AAA at $103.
It’s crucial to note these figures, as they enable domestic partners to make informed decisions based on their specific insurance needs and budget constraints.
Do You Need to be Married to be on the Same Car Insurance Policy
If you’ve decided to live together but not get married, your insurance company may require you to add your boyfriend or girlfriend to your current policy. You cannot simply treat them as a “permissive user,” as this type of agreement is for people who do not live in the same house and may have occasional vehicle use.
You do not need to be married to be listed on the same insurance policy. Thus, if you’re looking for auto insurance as an unmarried couple living together and sharing a vehicle, ask your insurance company to add the other person. Remember, car insurance companies typically want to list all drivers living in the same home on the car insurance policy.
Read more: Can I add or remove drivers from my car insurance policy?
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What if You Live Together and Own Separate Vehicles
If both of you own your own cars, you can have separate auto insurance policies. If you choose this path, you should list both people on each other’s policies if you live under the same roof. You can also take out a shared policy for both vehicles. Ask your insurance company if they can extend any discount (read our “Best Car Insurance Discounts to Ask” for more information) for multiple policies. Some companies may use these to reward customers for their loyalty.
Will My Insurance Cost More if I Add My Partner
Insurance companies look at the driving history, age, and other factors for each person that they add to an existing policy. In this case, you may have to pay more for your policy when you add a live-in domestic partner to your car insurance. If your significant other has a poor driving record, you may want to consider whether to add them to your insurance policy or not.
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Remember, while it may be possible to add them as a permissive user if they do not live in the same household, check with your insurer for limitations. Likewise, insurance companies often use a credit score when setting rates. If your domestic partner has a very low credit score, this could lead to far higher quoted rates (For more information, read our “Best Car Insurance for People With Bad Credit”).
Can You Combine Car Insurance Policies
You may want to know if you can have a combined policy if both of you live together but own separate vehicles. Car insurance companies rely on a factor known as “insurable interest” when issuing a policy.
Although car insurance companies once considered unmarried couples to lack insurable interest in each other’s cars, that’s no longer the case. With most insurance companies you can share a policy if you can prove a committed relationship and live together.
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Case Studies: Best Car Insurance for Domestic Partnerships
Exploring the realm of car insurance reveals a growing trend towards accommodating domestic partnerships. This brief delves into how companies like Progressive, State Farm, and others are offering specialized policies that respect and protect these unique relationships.
- Case Study 1 – Progressive Insurance: John and Sarah, in a committed domestic partnership for five years, sought a plan accommodating both their vehicles. They chose Progressive Insurance for its domestic partnership car insurance package, providing joint coverage for both vehicles.
- Case Study 2 – State Farm: Entering a recent domestic partnership, Michael and Alex wanted an insurance policy recognizing their commitment. State Farm’s domestic partnership endorsement stood out, allowing both to be named insureds on individual policies.
- Case Study 3 – Allstate Insurance: In their longstanding partnership, Emily and Jessica prioritized inclusivity and acknowledgment in their insurance search.
- Case Study 4 – Liberty Mutual: Navigating as a same-sex couple, David and Christopher sought an insurance provider attuned to their unique needs. Liberty Mutual stood out for its tailored policies recognizing the challenges faced by same-sex domestic partners. The comprehensive coverage options, competitive rates, and commitment to inclusivity marked Liberty Mutual as their optimal choice.
- Case Study 5 – Travelers Insurance: Upon formalizing their domestic partnership, Lisa and Michelle required insurance reflecting their commitment. Travelers Insurance’s dedicated domestic partnership program was the solution.
Through case studies from Progressive to Travelers Insurance, it’s clear that the insurance industry is evolving to meet the needs of domestic partners with policies that recognize and celebrate their commitment, setting a new standard for inclusivity and customer care.
The Bottom Line on Domestic Partnership Car Insurance
If you are in a domestic partnership and live under the same roof, you will typically need to add your partner to your car insurance. If you each have your own car, you can maintain separate policies but should consider adding each person to the other’s policy. You can also get a joint policy if you share the same address (For more information, read our “Adding a Relative to Your Insurance Policy”).
Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
Frequently Asked Questions
What factors influence car insurance rates for domestic partnerships?
The primary factors include competitive rates, coverage options tailored to your needs, and the insurer’s reputation for customer satisfaction. Pay attention to specific partnership needs, such as multi-car and multi-policy discounts.
For additional details, explore our comprehensive resource titled “How much is car insurance?“
What factors should I consider when choosing car insurance for domestic partnerships?
When selecting car insurance for domestic partnerships, key factors to consider include competitive rates, coverage options tailored to your needs, and the insurer’s reputation for customer satisfaction. Pay attention to the specific needs of your partnership, such as multi-car and multi-policy discounts, to maximize savings.
What should I consider when adding my partner to my car insurance policy in a domestic partnership?
Consider the necessity of adding your partner, especially if you share a residence or your partner frequently drives your car. Inform your insurance company to ensure proper coverage.
Why are A.M. Best ratings important when choosing an insurance provider for domestic partnerships?
A.M. Best ratings are crucial as they assess the financial strength and stability of insurance companies. Higher ratings, like an A or A+, indicate a secure and reliable financial standing.
What is car insurance domestic partner coverage?
Car insurance domestic partner coverage refers to a policy where two individuals living together but not married can be covered under the same auto insurance plan.
Can I add my domestic partner to my car insurance policy?
Yes, most insurance companies allow you to add a domestic partner to your car insurance policy if you both share a residence. Get started on comparing full coverage auto insurance rates by entering your ZIP code below.
How do credit score, mileage, and driving record impact car insurance rates for domestic partnerships?
Credit score, mileage, and driving record significantly influence rates. A good credit score, lower mileage, and a clean driving record generally result in lower premiums, as these factors are used to assess risk.
Access comprehensive insights in our review of “How does the insurance company determine my premium?“
Is domestic partner car insurance more expensive?
The cost can vary; adding a domestic partner with a good driving record may increase your premium slightly, but you may also qualify for multi-driver discounts.
How do I qualify for domestic partner car insurance?
To qualify, you typically need to prove that you and your partner are living together in a committed relationship.
What documents do I need for car insurance domestic partner inclusion?
Insurance companies may require proof of joint residence or a domestic partnership agreement to include a domestic partner on your car insurance.
Does domestic partner car insurance cover all types of vehicles?
Coverage for different types of vehicles depends on the specific insurance policy, but generally, domestic partner car insurance can cover multiple vehicles.
To find out more, explore our guide titled “Types of Car Insurance Coverage.”
Do domestic partners have to be on the same car insurance policy?
While it’s not a legal requirement, it’s often recommended for domestic partners who live together to be on the same car insurance policy for convenience and potential discounts.
Can unmarried couples share domestic partner car insurance?
Yes, domestic partner car insurance is specifically designed to cover unmarried couples living together.
How do I add my domestic partner to my existing car insurance?
Contact your insurance provider, provide the necessary documentation, and request to add your domestic partner to your existing car insurance policy.
To learn more, explore our comprehensive resource on “Car Insurance: A Complete Guide.”
What are the benefits of sharing car insurance with a domestic partner?
Benefits can include reduced paperwork, potential premium discounts, and simplified claims processes if both partners’ vehicles are covered together. Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
