Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 29, 2021

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The Lowdown

  • Although you and your domestic partner can qualify for auto insurance, it may be more expensive if you are not married
  • Some of the best and most affordable companies you can buy unmarried couple auto insurance from are GEICO, State Farm, and USAA
  • USAA offers some of the lowest rates starting at $103 a month

If you and your partner are looking for auto insurance, it may be difficult to find companies that offer affordable policy options for unmarried couples.

But what are some auto insurance companies that cover domestic partners? And can I add my girlfriend to my auto insurance policy?

Keep reading to learn everything you and your partner need to know before you buy auto insurance together.

Searching for affordable auto insurance companies that cover domestic partners? Enter your ZIP code to get free quotes from the best companies near you.

What are some of the best companies that offer domestic partners auto insurance?

While it is possible to buy auto insurance with your domestic partner, there are some auto insurance companies that don’t cover domestic partners.

However, you can still find many companies that offer auto insurance options for unmarried couples.

Some of the best auto insurance companies for unmarried couples include:

  • State Farm
  • USAA

These are great choices for their affordable rates and discounts available.


Even if you and your domestic partner don’t qualify for a married couples discount, the unmarried couple auto insurance GEICO offers has some of the highest multi-car discounts that can help unmarried couples to get more affordable rates.

You can save up to 25% with GEICO’s multi-car discount and can add up to nine cars onto your policy.

Typically, married couples that buy auto insurance with GEICO pay an average of $129 a month.


USAA allows you to be able to add your unmarried partner to your policy as long as you both live together.

Although USAA insurance is only available for veterans and some eligible family members of veterans, USAA has some of the most affordable auto insurance rates.

With USAA auto insurance, married couples can get rates as low as $103 a month, making USAA a good choice for couples who are trying to reduce their auto insurance rates.

State Farm

State Farm also offers some of the lowest rates for couples averaging at $109 a month.

Although the auto insurance rates from State Farm are slightly higher than USAA’s monthly auto insurance rates, State Farm is a good alternative if you are not part of a military family.

State Farm also has a multi-car discount that can save you up to 20%, making it an affordable option for many couples.

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Can I buy auto insurance with my partner if we’re not married?

While buying auto insurance with your boyfriend or girlfriend is possible if you’re not married, it may be more expensive since you likely won’t receive the same auto insurance discounts that a married couple would.

You can buy auto insurance from companies that cover domestic partners, and joint auto insurance for married couples is easy to get, but in most cases, unmarried couples need to be living together to qualify for a joint auto insurance policy.

How much does auto insurance cost for unmarried couples?

Since unmarried couples don’t typically receive the same discounts that married couples do, it’s likely that your auto insurance rates will be higher.

If you want cheaper rates, you may be able to get a multi-car discount depending on which company you choose, and you can talk with your insurance company about any other auto insurance discounts they offer.

If you’re looking for the best auto insurance companies that cover domestic partners rates, enter your ZIP code below to get free auto insurance quotes from companies that cover domestic partners.