Married people seem to have all the luck. Statistically, they live longer. Plus, studies show married people (and, incidentally, anyone with a solid credit rating) are much less likely to get into accidents or incur other driving violations than their single counterparts [source: J.D. Chapman Agency, Inc.]. Furthermore, if a married person does get into an accident, it's likely to be less costly than one a single person would be involved in. Not surprisingly, some insurance companies react to these statistics by hiking the rates of their single clientele, regardless of their driving history [source: J.D. Chapman Agency, Inc.]. Who's coming out on top in terms of insurers' risk assessments? Well, the lowest risk group, it seems, is comprised of married, middle-aged women who don't smoke [source: All Insurance Info].