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Never. The "logic" behind that is that there are now two adults living in the same household and they're both presumed to be driving (even if one doesn't have a license or is an invalid and can't drive.) Therefore, there's an increase in driving, an accompanying greater risk of accidents, and a higher chance that the insurance company may have to make a payout.
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Which state in the US has the lowest auto insurance rates?
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North Dakota has the lowest auto insurance rates in the USA.
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