TWO POLICIES.
ONE HOUSEHOLD.
Your marriage license changed your risk profile.
Your insurance should know.
Paid by newlyweds who delay merging auto policies beyond 90 days
Of couples carry duplicate roadside assistance on both policies
Recovered annually after a proper newlywed policy consolidation
Side-by-Side Policy Simulator
Toggle your current coverages to see where your two policies overlap — and exactly what that overlap costs per month.
Driver 1 Monthly
$146
Current policy
Driver 2 Monthly
$155
Current policy
After Merge
$244
Save $684/yr
| Coverage Type | Driver 1 | Driver 2 | D1 Cost/mo | D2 Cost/mo | Status |
|---|---|---|---|---|---|
| Liability Coverage | $38 | $42 | REQUIRED | ||
| Collision | $52 | $48 | REQUIRED | ||
| Comprehensive | $18 | $22 | REQUIRED | ||
| Roadside Assistance | $8 | $9 | OVERLAP | ||
| Rental Reimbursement | $6 | $6 | OVERLAP | ||
| Uninsured Motorist | $14 | $16 | OVERLAP | ||
| GAP Coverage | — | $12 | OK | ||
| Medical Payments | $10 | — | OK |
The 5 Most Expensive
Newlywed Insurance Mistakes
Source: Merge Insurance Intelligence Report, Q1 2026. N=4,200 newlywed households.
Keeping Both Separate Policies Past 90 Days
The most expensive mistake. Insurers update marital status risk models at 90 days — couples who delay lose the combined household discount window.
Carrying Double Roadside Assistance
Both partners have roadside on their individual policies. One plan covers the household. The second is pure overhead.
Missing the Multi-Vehicle Discount Threshold
Insurers apply a 12–18% multi-vehicle discount at two-car households — but only when both vehicles are on the same policy. Most newlyweds never trigger it.
Uninsured Motorist Coverage Stacking
Duplicate uninsured motorist protection is common and rarely caught. Your combined policy needs one umbrella limit, not two separate limits adding to your bill.
Ignoring Spouse Credit Score Impact on Rates
In 46 states, insurers use credit-based insurance scores. Merging policies resets the calculation — a spouse with a stronger score can lower the household rate.
Median Annual Savings by State
Hover any state to view projected savings. Data reflects median newlywed household with 2 vehicles.
Quick-Estimate Calculator
Enter three data points. Get your projected annual savings before we ask for anything.
Add Driver 1 + Driver 2 monthly totals
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Download the Newlywed
Insurance Audit
A 12-page field report covering every coverage category, state-specific savings data, and a step-by-step consolidation checklist.
4,200+
Audits Completed
$3.4M
Savings Identified
50
States Covered