Singles may have more fun, but they also pay more than their married friends for car insurance.
A single 20-year-old pays 21% more than a married 20-year-old for the same policy, a new study from InsuranceQuotes.com found.
To an insurer, it comes down to statistics -- and singles get into more accidents.
Married drivers might be more cautious since they're more likely to have kids, said Laura Adams, an analyst an InsuranceQuotes.com.
Drivers in their 20's who are married actually get bigger discounts than married drivers in their 30's, who only get a roughly 3% break.
Gender and age also play a big role in what drivers pay.
Men pay more than women when they're younger. A 20-year-old man pays 22% more than a woman the same age for the same policy, the report found.
The good news: Car insurance costs for both men and women decrease every year until age 60.
The report used data from the largest insurance carriers in each state and D.C. In its comparisons, it assumed the drivers were employed, had a bachelor's degree, a clean driving record, an excellent credit score, and drove a 2012 sedan.
Hawaii is the only state that prohibits insurance companies from considering marital status in rate calculations. And age cannot be a factor in either Hawaii or California.