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What our users say:

February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
Olivia
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
DANIEL HELDER
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
Janet
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
Liliana FERNANDEZ
July 13
THE PERSON ANSWERED ALL MYY QUESTIONS
THE PERSON ANSWERED ALL MYY QUESTIONS
Antonio
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

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Car insurance for families and married couples: what you need to know.

Updating your insurance coverage is a big consideration after you reach certain life milestones. People often assume this advice only pertains to life insurance but adjusting your car insurance should be on your list of things to do as well. Whether you’re getting married and looking to combine auto insurance policies, buying optional protection for a growing family, or insuring a child old enough to drive, there are important decisions to make. While some of them can cost drivers, there are ways to save for those who know where to look.

People who are married often get a car insurance discount, but there are lots of other ways to save money. For instance, while combining auto insurance for married couples may save money for some, other couples might save more by insuring themselves separately. Multi-vehicle policies and other discount opportunities might help you spend less on the best family car insurance and more on your family.

Find the lowest auto insurance rates for families and married couples today by comparing them using LowestRates.ca. By using our online tool, you can compare rates from more than 50 auto insurance companies instantly. Within three minutes of entering your information, you’ll receive auto insurance quotes for families online to review.

If you’re in the market for family car insurance plans read on to learn more about getting car insurance that fits your needs and about how you can reduce your insurance premiums. You can also start shopping around now by using our comparison tool.

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See how our customers with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from February 20, 2024
Customer
Male, 33 years old
Location
ontario
Vehicle
2023 TOYOTA COROLLA LE 4DR
Lowest Rate
$587/mth
$7,042/yr
Average Rate
$861/mth
$10,331/yr
Saved
$274/mth
31.84%
Quote from February 20, 2024
Customer
Male, 24 years old
Location
ontario
Vehicle
2010 MAZDA MAZDA3 GS 4DR
Lowest Rate
$474/mth
$5,691/yr
Average Rate
$680/mth
$8,159/yr
Saved
$206/mth
30.25%
Quote from February 20, 2024
Customer
Male, 31 years old
Location
ontario
Vehicle
2024 HYUNDAI TUCSON TREND 4DR AWD
Lowest Rate
$330/mth
$3,965/yr
Average Rate
$420/mth
$5,045/yr
Saved
$90/mth
21.41%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Frequently asked questions about car insurance for families and married couples, answered.

Is it possible to buy a family car insurance plan?

Though family plans exist for other products, like mobile phones, there’s no direct equivalent for family auto insurance.

Instead, the person who drives a vehicle most (often the owner) is generally listed as a primary driver on an auto insurance policy. Other licensed people living in the same household should be listed as occasional drivers unless they are specifically excluded in the policy.

Excluded drivers have no coverage under a particular vehicle’s coverage when driving it. Doing so is a relatively rare measure and can exclude a high-risk driver from being on the policy, such as one with a poor driving record, or a teen or older driver.

In households with more than one vehicle, purchasing a multi-car policy is similar to an auto insurance family plan in some ways. The cars need to be stored at a single address to qualify for a multi-vehicle policy. Because this scenario involves insuring more than one car, your monthly bill might be higher than what a single person would pay. However, getting a multi-vehicle insurance policy is usually cheaper than insuring multiple cars within one household separately. Insurance companies will give you discounts of up to 20% on your annual premium for choosing a multi-car policy.

To get affordable car insurance for family members, the best course of action is to shop around. By using a comparison tool like LowestRates.ca, only a few minutes separate you from a car insurance plan that fits your needs.

Can couples purchase joint car insurance?

Affordable car insurance for married couples can be achieved by using the same insurer for both drivers. If there’s one vehicle, the spouse who drives it most should be listed as primary driver and the other spouse as secondary driver. If there’s more than one vehicle in the household, each spouse should be named as primary driver on the vehicle they drive most and typically secondary driver on the other.

By purchasing insurance together married couples can potentially save through multi-vehicle policies, combining home and auto insurance or taking advantage of employer, alumni, or other affinity discounts.

But it’s not necessary for married couples to purchase joint car insurance. In fact, some couples may prefer to buy insurance separately. This may be an option if one spouse has a poor driving record or owns a luxury or sports car which is expensive to insure. It isn’t necessary to have a driver’s partner or spouse on a car insurance policy, either, but if they aren’t listed on the policy, it may cause complications if they use the vehicle and end up getting into a collision.

LowestRates.ca can help you find the best car insurance for young married couples or older ones in just a few minutes. By entering your postal code and clicking “Get Started,” you can compare insurance quotes from 50+ Canadian providers.

What kind of car insurance is needed for a two-car family?

If car insurance for two cars in a family or more is needed, a wide selection of insurers offer multi-car policies . Each vehicle will need a primary driver assigned to it, and each driver will receive a discount on their policy. Typically, this can result in combined savings ranging between 5% and 20% for all drivers insuring vehicles that are stored and registered to a single household address.

When calculating the discounts insurers will consider factors like the age and model of the vehicles, as well as the driving records and gender of each driver. Insurers may have different criteria for taking on multi-car policies. Some may limit the number of cars permitted to two or three, while others may allow up to five. The only way to know for sure is to shop around for family car insurance quotes.

Don’t pay above-average car insurance rates when you don’t have to. The best way to save money is by comparing multiple quotes. An online tool like LowestRates.ca let’s you do so in minutes.

Does car insurance cover other family members?

A family member who only drives a policyholder’s car on rare occasions will generally be covered by the policy, provided they have a valid license and are using the vehicle legally.

If a driver has family members who live at home and drive the vehicle, like a spouse and/or appropriately licensed children, they should be listed as occasional drivers to be covered under the vehicle’s insurance policy.

Children only need to be listed as occasional drivers once they can drive a car on their own. Older parents living with their children can also be listed as occasional drivers if they are secondary drivers on vehicles registered to the address.

Drivers may be interested in adding additional coverage to policies to ensure additional family members are covered. This may include increasing statutory accident benefits coverage or adding family protection coverage to a basic vehicle insurance policy.

When shopping around for different policy options using LowestRates.ca, drivers —especially families — can find premiums that best fit their needs and budget.

What is the family protection endorsement and do I need it?

The family protection endorsement is optional coverage that can be added to a standard auto insurance policy. It covers the insured driver or an eligible family member with extra third-party liability in case of injury or death in a not at fault vehicle accident with an unidentified, under-insured or uninsured driver. This endorsement is available under different names in Ontario, Alberta, and Atlantic Canada.

The family protection endorsement also covers hit and run accidents. If a driver can’t be identified, expenses are borne by the driver’s insurance through the endorsement including potential medical expenses and loss of wages.

This endorsement covers the same limits as a driver’s third-party liability coverage, which is used in case of property damage, death or injury claims resulting from an at fault accident. In most provinces the minimum for third-party liability coverage is $200,000 though that is often increased to $1,000,000 or $2,000,000 by policyholders to ensure covering potential needs of multiple family members.

By purchasing this family car insurance policy option, drivers can receive greater coverage for their families, particularly if they have a higher than minimum liability. For a driver with $2 million in liability, for example, who gets in a collision with a driver who has only $200,000, will have the difference covered by their insurer through this endorsement.

This endorsement won’t necessarily cost the same at every insurance company. LowestRates.ca can help you compare vehicle insurance rates within a few minutes to find a premium that meets your needs and budget.

Is car insurance cheaper for married couples?

Married couples can potentially save on car insurance. In some provinces, insurers are allowed to offer cheaper rates to married people. Two likely explanations for this may be that insurance companies view drivers in legal partnerships as more responsible and therefore careful drivers, or that the discount can be justified by married couples often skewing above age 25, before which premiums are typically much higher.

If each spouse owns a car, it may be possible to pay less for insurance by purchasing through the same company. This generally requires similarly clean driving records to get the most savings.

If you want to find the best car insurance for married couples, the best way to find it is by shopping around.

The different considerations each insurer considers will determine if car insurance is cheaper for married couples, including factors which vary between companies. Therefore, shopping around is essential to get the best price. At LowestRates.ca you can use our online tool to find dozens of affordable car insurance options quickly and easily.

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