Does Getting Married Affect Auto Insurance? 
Being Married or not married is a rating factor in auto insurance . This is not to be mistaken as a discount . Variable rating factors ultimatelydetermine your final rate . Being married in most cases has a favorable rating factor . The criteria is with almost all insurance carriers is you must reside together or be able to explain a really good reason why you are not residing together if you wish to obtain the married rate . The spouse is not necessary required to be listed on the policy as an operator but must be disclosed as a household member . 