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Feb 12, 2025 â Married people typically pay less for car insurance than single people. However, a spouse whos a risky driver or has poor credit could mean higher premiums.$Being married definitely is a discount. Its not a moral discount, its statistical. But you likely had other things change when you added her as married._Adding a spouse, wife or husband, to your auto insurance, could raise your rates, lower your rates or not affect your rates at all.