No one is "out to get" the unmarried. Statistically (as a large group) young married people have less accidents than young unmarried people. I don't understand why you have a problem with this. It's math not intentional discrimination.
Why do people keep repeating this logical fallacy? I've explained it time and again in this very thread.
1. I don't deny that there is a difference between married and unmarried people with respect to claims, BUT;
2. Understand that when you factor in 'marriage', you are excluding the highest risk groups, that is, the youngest drivers and very oldest drivers who are unmarried by design or their partners have died. It is a post hoc ergo propter hoc logical fallacy to assume that this is BECAUSE of marital status. It's because of age as it relates to driving experience (and maturity too, sure). Marital status could be excluded and we'd still have all the relevant age/driving experience data that insurers need, WITHOUT discriminating against equal drivers A and B but for ONE lifestyle choice....the choice to be single.....and that is NOT always a choice. There are lots of people who have no issues with marriage as an institution and yet find themselves single for any number of reasons.
Think about it. It's not MARRIAGE that is the 'cause' of the reduced claims, it's AGE and driving experience relating to age. This is because in the modern epoch, people aren't getting married right out of high school as they might have in the 50s, and people got married even earlier in the very olden days.
This is a shell game, and you don't seem to understand the logical fallacy yet.
3. Marriage is a PERSONAL LIFESTYLE CHOICE that is a protected class when it comes to the EEOC (Equal Employment Opportunity Commission), so why is it legal as a factor when it comes to auto insurance policy pricing? The answer is that it's wrong here too, even if you don't agree, and even if it's legal. Just because something is legal doesn't make it right (remember Jim Crow laws?). Remember when women couldn't vote? Remember when Prohibition was the law of the land?
Penalizing an individual based on their PERSONAL CHOICE regarding marital status is no different than penalizing them by religious affiliation or their choice to have or not have children. Just think about it honestly for a minute.
4. One could show a statistical difference between claims made by people with or without kids, and people who are religious or non-religious. Would it be legal to discriminate on this basis? NO. You simply don't yet understand that marital status (a lifestyle choice) is NO different than your religious affiliation (if any) and your choice to have kids or not. It's legal to be a child-free atheist, and it's legal to be unmarried. Why do you think it's okay to penalize people for being unmarried with AUTO INSURANCE? Yes, I emphasized that to keep context. Don't just assume it's ethical because it's currently legal or because you enjoy some small benefit. There are lots of discriminatory laws (current or past) which might benefit me in some trivial way but I don't or wouldn't support them because I have a conscience, and we still all have to be able to sleep at night.
I'm not perfect, but right now my lifestyle choice is being penalized, and I've been with my girlfriend longer than most people have been married, 22+ years. No, there's no common law marriage here so let's not even start with the 'you're already married' nonsense. Even if that were the case, we're both still being penalized.
Granted, this is a small issue in the grand scheme of things, but discrimination is still discrimination, and it doesn't feel great when it's a 5% penalty or an serious impingement on one's freedom or freedom of conscience.
You argue that the reason that married people have lower rates is because they're older.
Well, there's a selection phenomenon at work. The very status of marriage in this modern era selects out the very youngest and very oldest. Obviously, the median age drivers will have fewer claims than the very youngest or very oldest who are starting to age out of viable driving years.
What you might not realize is that driver age is also taken into account even if you are married.
Of course I know this. But, if an insurer knows your age and your driving experience, why do they need to penalize you for being unmarried when it's LEGAL to be unmarried?
Young married people pay more than older married people.
This is why you don't need the marriage metric. Again, this is auto insurance we're talking about. The point here is to assess claims risk by age and driving experience as it relates to age, NOT MARITAL STATUS, which is a private lifestyle choice and should have no bearing on your insurance rates.
Maybe you missed it, but I've mentioned twice in this thread (or more) that Tesla can no longer discriminate on the basis of sex (which many incorrectly call 'gender'). This is FAR more relevant to insurers (given that men drive about 60% more than women on average) than your marital status. California is trying to be progressive, but continually ignores marital status discrimination with respect to auto insurance (for now). Since fewer people are getting married and also getting married later, this will probably change when enough people with the time and energy challenge these unfair practices, if nothing else but for the principle of it.
Married people get the discount because they tend to more responsible because they have spouses and kids to think about when they consider doing "risky" things, so as a group, they have less accidents.
This is an asinine and insulting argument. Again, the marital status has a natural selection filter, excluding the highest risk groups of the very youngest drivers and the very oldest drivers who have been left single for no fault of their own (partner death), and for a smaller minority they've simply chosen not to marry, a right one should have WITHOUT penalty.
The married are also less likely to be out at night drinking while looking for mates or socializing, etc...
This is a pathetic argument. What about the >50% divorce rate? You should all pay MORE. What about the rapacious nature of family court, and the way lawyers drag out court battles? What about lifetime alimony, and second alimony disguised as 'child support'? Marriage is a legal beartrap with terrible odds. Your argument has no weight here with respect to these wild assumptions about 'responsibility'. Kim K. was married to Kris Humphries for 72 days. Are you saying she should have gotten a discount during this time and an unmarried Elon Musk should have a 5% penalty, all else being equal?
The "marriage discount" fades as the driver gets older by the way.
False. Since when do companies stop asking if you're married? You're simply weighing out other factors that start to raise your rates for unrelated reasons. This is not germane to the point.
Older people also tend to be more responsible.
You've moved the goalposts. First you said married people were more responsible (asinine argument), and now you're saying older people are responsible which is MY argument. An insurer can assess claims risks simply with age and driving experience (among other factors that don't invade our privacy) WITHOUT including marital status, how often you have sex, whether you're vegan or an omnivore, whether you wear shorts or long pants, whether you're religious or not, or whether you've had kids or not. You just don't understand...yet...that marital status SHOULD be a protected class here, as it is with the EEOC. Arguably, a job is far more critical to one's well-being than a car, and Massachusetts has banned marital status discrimination with auto insurance along with the EU. Why then are you still defending it? Is your measly 5% discount worth it?
Some of the things I did as a kid I wouldn't think of doing now because I've had time to reflect on the dangers and seen what's happened to other people and because I don't need the "thrill" of driving fast anymore. I now realize a car is just a tool not a source of entertainment.
This argument isn't related to the marriage metric, but the age and driving years metric along with your current ticket/accident status. These are fine. Insurers should factor in age, driving experience, where you live (L.A. vs. Boise have different claims risk), etc., but marital status is redundant AND DISCRIMINATORY. This is why it's a protected class per the EEOC.
As I mentioned, Tesla Insurance no longer discriminates by sex, which is far more relevant to insurers than marital status, but Tesla Insurance is California only and when it comes to other states it might be different. The laws simply haven't caught up yet, but they will.
See if you can catch up before the laws do.