Key findings:

  • Marriage rates have decreased by 7.74% over the last 10 years.
  • Divorce rates are on the decline by 19.55% over the last 10 years.
  • Mississippi, New Mexico and Massachusetts saw the largest increase in marriage rates.
  • Illinois, Kansas and West Virginia saw the largest decrease in divorce rates.

Around the country marriage is on the decline. Marriage rates are also outpaced by the divorce rate. Less people are getting married over the last 10 years and therefore less people are getting divorced. However, with a decline in the divorce rate outpacing the marriage rate you could assume more married couples are sticking together. Chivalry isn’t dead after all.

When looking at the marriage rates over the last 10 years in each state we found polarizing results. The majority of states are seeing a decline in marriage rates, but there are a number of states with positive trends. The good news there, nearly all states with a higher marriage rate over the last 10 years also saw a decline in divorce rates.

We here at QuoteWizard analyzed National Centers for Health Statistics data on marriage and divorce rates in the United States. We compared marriage and divorce rates over a 10-year period from 2009 to 2018 to find the rate of increase or decrease in marriage and divorce rates in each state. We then ranked each state 1 to 50, with 1st having the largest increase in marriage rates and 50th having the lowest. We then paired divorce rates to show which states are experiencing marriage trends compared to a divorce rate. Marriage and divorce rates in each state are based on a provisional count of marriages per 1,000 people.

 

Rank State Marriage Rate Divorce Rate
1 Mississippi 31.25% -34.15%
2 New Mexico 28.00% -15.38%
3 Massachusetts 12.50% -4.55%
4 Colorado 10.14% -23.26%
5 New York 9.23% 7.69%
6 New Jersey 8.00% 0.00%
7 Rhode Island 6.78% -3.33%
8 New Hampshire 6.15% -16.22%
9 Michigan 5.56% -15.15%
10 Montana 5.48% -25.00%
11 Maine 4.23% -21.95%
12 Pennsylvania 3.77% -3.70%
13 California* 3.45% N/A
14 Wisconsin 1.89% -13.79%
15 Maryland 1.72% -14.29%
17 Missouri 0.00% -21.05%
18 Washington 0.00% -15.38%
19 Utah 0.00% 2.70%
16 Minnesota* 0.00% N/A
20 Arizona -1.79% -16.67%
21 Florida -2.67% -14.29%
23 North Carolina -3.03% -18.42%
22 Georgia* -3.03% N/A
24 Ohio -3.45% -12.12%
25 Illinois -3.51% -40.00%
26 Delaware -3.70% -22.22%
27 Oregon -4.55% -12.82%
28 Tennessee -4.76% -10.26%
29 Oklahoma -7.25% -20.83%
30 Virginia -7.25% -16.22%
31 West Virginia -8.96% -35.29%
32 Nebraska -9.09% -14.71%
33 Vermont -9.20% -11.43%
34 South Carolina -9.59% -16.67%
35 Connecticut -10.17% -3.33%
36 Kentucky -10.53% -23.91%
37 North Dakota -10.94% -7.14%
38 South Dakota -10.96% -21.21%
39 Hawaii* -11.05% N/A
40 Wyoming -11.25% -25.49%
41 Idaho -12.36% -24.00%
42 Texas -14.08% -21.21%
43 Alaska -14.10% -15.91%
44 Kansas -15.63% -36.11%
45 Indiana* -16.46% N/A
46 Arkansas -16.82% -28.07%
47 Alabama -18.07% -15.91%
48 Iowa -18.57% -8.33%
49 Louisiana -28.17% -22.73%
50 Nevada -33.75% -33.33%
* Incomplete divorce data

Things to consider for insurance when getting married or a divorce

Health Insurance

When getting married you and your spouse will have the choice to pick a health plan that is available to each of you. For instance, if you both have employer sponsored health plans you can choose to select a single plan with the best benefits. The same would apply to a public or private health insurance plan. It will typically make the most sense to each join the same plan, as opposed to having a separate plan.

After a divorce, it’s likely a spouse will stop becoming a dependent on the shared health insurance plan. In that case, there are a few options for the spouse leaving the shared plan.

  • Enroll in your workplace plan: A life event like divorce will qualify you to enroll outside of enrollment periods.
  • Continue coverage with your spouse's insurance company with COBRA. A COBRA plan will allow you keep the same healthcare coverage in the event you no longer are with your partner.
  • Get plan through healthcare.gov.
  • Seek a private insurance plan.
  • Check to see if you qualify for Medicaid or Medicare.

Life Insurance

Life insurance is a policy to cover expenses in the event of a death. The purpose would be to support your spouse and family in the event of your death. In most cases you’ll want to add your spouse as a beneficiary on the life insurance policy. Which means they will receive life insurance payouts in the event of your death.

In the event of a divorce, it’s likely you’ll want to change the beneficiary on the life insurance policy. In many cases that would be a close family member taking over as the beneficiary from your ex-spouse.

Home Insurance & Auto Insurance

Bundling as many products together is a great way to save on P&C insurance. When getting married it’s a great way to bundle your auto and home insurance to receive a discount.

In the event of a divorce, once the divorce agreement is final there will be a declaration of who gets the house and which cars are given to who. Depending on shared personal property like jewelry there will be a split in who gets what. Once personal property items are separated, you’ll want to seek individual insurance policies for your auto, home or renter’s insurance.