Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 3, 2021

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The Lowdown

  • Most car insurance companies offer some form of multi-car discount ranging from 8% to 25% off your rates
  • You can typically include vehicles in your household with drivers that are related to you
  • While every company is different, the typical number of cars you can include on a single policy is four
  • Insurance companies offer other discounts, giving you more chances to save money

The price of everything seems to be going up faster and faster, and that includes the cost of the best auto insurance companies for multiple cars. Discounts can save you a lot of money, and one of the most accessible discounts to claim is multi-car.

A multi-car discount is relatively straightforward: If you have more than one car on your policy and your insurance company offers the discount, you’ll be eligible. Of course, there are restrictions, but most companies offer a multi-car discount.

However, the best auto insurance for multiple cars can take a little work to find. Just because you have an affordable rate for a single car doesn’t mean you won’t find better quotes from a different company when you’re ready to add another vehicle.

If you’re looking for the best auto insurance companies for multiple cars, it’s essential to shop around for quotes. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.

Best Auto Insurance Companies for Multiple Cars

The average American household has 1.9 vehicles, meaning the average family has around two cars. Naturally, single adults typically have one car, while houses with two or three drivers have a matching car count.

As a side note, when the driver count gets higher, say seven or eight drivers, the vehicle count stays around three, as people often share.

That’s a lot of Americans that could benefit from a multi-car discount. So, what are the 10 best insurance companies for a multi-car discount?

To start, look at how much you can save from the top insurance companies with a multi-car discount.

State Farm25%
Liberty Mutual15%-20%
American Family15%
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With the potential to earn a whopping 25% off your monthly bill, GEICO, Allstate, and State Farm are clear front-runners when it comes to a multi-car discount. However, discounts from other companies can’t be ignored, especially since rates with them might start lower.

You can get a better idea of which company might work best for you by looking at how much the average American pays for multi-car insurance.

CompanyAverage Monthly Price
State Farm$327.67
Liberty Mutual$146.50
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Of course, these prices are just a sample and might not reflect what your quotes will look like. Insurance companies consider many factors, such as your age, gender, location, and driving history.

Aside from a multi-car discount, most companies allow you to take advantage of other deals to save even more money.

What other discounts do insurance companies offer?

Car insurance companies recognize that the market is competitive. If they want you as a customer, they need to offer you competitive rates.

One way companies do that is with a list of discounts you might be eligible for. The most common discounts are:

  • Multi-car
  • Safe driver
  • Policy bundling
  • Defensive driving class
  • Anti-theft device
  • Good student
  • Low mileage

While these are the most common, there are a lot of unique options out there. If you’re curious about what your insurance company offers, you can check with your agent.

 Multi-CarSafe DrivingPolicy BundlingDefensive Driving ClassAnti-Theft DeviceGood StudentLow Mileage
State FarmYesYesYesYesYesYesYes
FarmersYesYesYesYesYes (not in all states)YesNo
Liberty MutualYesYesYesNoYesYes
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Finding the right insurance company for you when you take into account discounts might feel overwhelming. For example, the best insurance company for home and auto probably won’t be the best for a student driver.

There are a lot of discounts out there. For example, some companies offer senior citizen or military discounts — Liberty Mutual even offers a discount if you sign up for a new policy before your current coverage ends.

Knowing where to find the best company for you can be difficult, which is why so many insurance experts believe you should shop around for quotes.

When you’re trying to save money, the key is to find the right insurance company for your unique situation.

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How does multi-car insurance work?

When you’re eligible for a multi-car discount, the discount will apply to whatever type of insurance you want to buy (liability, collision, or comprehensive, for instance).

There are other benefits to a multi-car policy beyond a discount. For example:

  • Coverage stacking – Most state laws allow you to stack the coverage on your vehicles. For example, if you have two policies for $60,000 in liability coverage, you can combine that for $120,000 if you’re in an accident.
  • Payment management – When every driver in your home is on the same policy, you don’t have to worry about remembering your payment or renewal dates.
  • Single deductible – When two or more cars on the same policy are damaged at the same time, you only have to pay your deductible once. If your vehicles were on separate policies, you’d have to pay a deductible on each one.

When you have a multi-car policy, the cars have shared coverage for liability, personal injury protection, underinsured/uninsured motorist, and rental protection.

However, you can buy add-ons for individual cars on your policy, including comprehensive, roadside assistance, and collision. You can also buy other add-ons unique to your insurance company, such as rideshare coverage.

It is crucial to keep in mind that insurance follows the car, not the driver. That means if your personal vehicle has comprehensive, you and anyone else on your policy that drives your vehicle will have that coverage. You won’t have comprehensive coverage if you drive another car on your policy that only has liability.

Is it better to have a multi-car policy or separate policies?

While a multi-car policy can save you money, there are times when having a separate policy might be best.

For example, if the second vehicle belongs to someone with a bad driving history, it might be best to get individual policies. Accidents, speeding tickets, and other infractions can raise your rates if you share a policy with someone else.

You should also comparison shop for individual policies and multi-car plans if one driver has a luxury or classic car. High-end cars have higher rates than regular cars, which can also raise the total price of insurance.

Who can be on the same policy?

While every company has its own rules, you typically have to be closely related.

For example, many insurance companies allow you to have multiple cars on your policy but will only apply a discount if you are married. You can also get a multi-car discount when your children get their licenses and first cars.

As for college students, they can usually stay on your policy even if they attend school out of state, as long as their primary residence remains your home.

If your child leaves for college, make sure to inform your insurance company, as this could affect your rates and the discounts you are eligible for.

How many cars can you have on your policy?

Again, the number of vehicles you can have on your policy depends on the insurance company. However, the standard number is four cars.

CompanyNumber of Cars
State Farm4
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American Family and USAA car insurance don’t provide the exact number of cars you can have on your policy, but it’s most likely four. If you want to know how many cars you can have on a policy, the best thing to do is ask your insurance agent.

Can you insure cars and motorcycles on the same policy?

While motorcycles need insurance just the same as cars, they don’t count towards a multi-car policy.

This is because motorcycles require a separate policy. Motorcycle insurance works similarly to regular car insurance — you can get liability, collision, and even comprehensive.

However, motorcycle insurance usually costs more because motorcycle drivers have a higher chance of being involved in an accident.

You’ll probably be eligible for a discount if you have auto and motorcycle insurance with the same company. Many companies offer up to a 20% discount for bundling policies.

How to Get a Multi-Car Policy

The process is relatively easy when you’re ready to find quotes from the best auto insurance companies for multiple cars.

If you need a new policy for every car you own, you should shop for quotes and pay close attention to what the top 10 auto insurance companies in the U.S. can offer. In fact, you should always shop around for the best car insurance, according to Consumer Reports.

While most companies have streamlined the process of opening a multi-car policy or adding a vehicle to your plan, you’ll still need some information. Getting a multi-car policy will go faster if you have this information ready:

  • The name of the person who drives each vehicle the most
  • VINs for every car
  • The driver’s license and Social Security number for every driver
  • An estimation of how many miles each car is driven, either weekly or yearly

Of course, you should also have the make, model, and year of each car you want to add.

If you already have a policy and want to add a vehicle to it, you can simply call your agent. It should take only a few moments on the phone to get a new car added to your policy.

However, you should shop around even if you have an existing policy. You might be able to find better rates.

Find the Best Auto Insurance Companies for Multiple Cars

If you’re adding a new vehicle to your household, you can potentially save money on your insurance by taking advantage of a multi-car discount. Most companies offer a multi-car discount — from Allstate to GEICO to State Farm, car insurance for multiple cars can be affordable.

If you want to find rates from the best auto insurance companies for multiple cars, you should shop around. Enter your ZIP code into our free tool today to get started.