Your driving record seems a legitimate risk for insurers toconsider when they price auto insurance. But your maritalstatus?

Yes, young men in red sports cars will pay more forcoverage than everyone else, but it’s hard to see how being awidow, or being divorced or separated, has much to do with the oddsyou’ll be in an accident.

Yet single, separated, and divorced people, and widows, oftenpay more for policies than married customers, according to anew study from the ConsumerFederation of America (CFA). In the study, when a husband died,the cost of state-mandated liability coverage for the widow rose byan average of 20 percent at four of six major insurers, thestudy found.

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