The Best Car Insurance Companies for Multiple Cars

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multiple cars in driveway

Working with one of the best second car insurance companies should be a top priority if you have multiple vehicles in your household. 

But what makes an insurance company a good option for those with multiple vehicles? Generally, the best ones offer a worthwhile discount for insuring multiple vehicles on the same policy. 

If you have multiple cars in your driveway, garage, or parking spots, we’ll explore how to lock in an insurance policy that suits your needs and budget. 

Key Takeaways

  • Many car insurance companies offer a multi-vehicle discount, which can lower costs when adding a second vehicle. 
  • The best second car insurance company varies based on your unique insurance needs. 
  • Some insurance companies, like Amica Mutual and GEICO, advertise savings of up to 25% when you insure multiple cars on the same policy. 
  • If possible, don’t base your decision on price alone. Try to work with a company that has a good reputation for helping its customers.

Best Car Insurance Companies When You Have a Second Car

When getting the best car insurance policy for your second vehicle, a great rate is only part of the equation. 

In addition to an affordable price point, it’s essential to consider other factors, like the insurers financial strength and customer satisfaction. You risk having a subpar claim filing situation if you overlook these additional factors. 

Below you’ll find some of the best car insurance companies when you have a second car. Each has earned high marks for customer satisfaction and financial stability.

State Farm

As one of the largest auto insurance providers in the country, you’ve likely heard about State Farm. The large size of the company translates into numerous resources for policyholders. 

While many drivers report low rates with State Farm, that’s only part of its appeal. The company earned the highest ranking for customer satisfaction in the J.D. Power 2022 Auto Insurance Study in the Southwest region. State Farm also rated 3.8 out of 5 stars on Consumer Affairs.

Beyond high marks for customer service, the company has great financial stability.

Additionally, the company may offer a multiple auto savings discount if you insure two or more vehicles in your household. If you are comfortable with telematics, you can save up to 30% on your premiums through State Farm’s Drive Safe & Save program. Other discounts are available for certain vehicle safety features and anti-theft features.

Amica Mutual

Amica Mutual is unique in the insurance world because its policyholders own the organization. This deep connection to the well-being of its policyholders has translated into top-notch customer service. 

Amica Mutual earned the top spot for customer satisfaction in the New England portion of the J.D. Power study. With that, you can expect a pleasant journey with this company. 

Plus, you can expect savings if you insure more than one vehicle. If you insure at least two cars on the same policy, you could save up to 25%. Other savings are available for loyal customers, good students, and vehicle safety features.


When you have multiple vehicles, GEICO can help you save big. Most drivers have the potential to lock in a multi-car discount of up to 25%.

GEICO didn’t earn the top spot in any region of the J.D. Power study. But in the majority of areas, the company earned above-average marks. On Consumer Affairs, GEICO earned 3.8 out of 5 stars with over 1,800 reviews. 


Shelter Insurance is an option for drivers in the Midwest and the Southeast. But the company stands out the most in the Central region, where it earned the top ranking in the J.D. Power study. 

For this study, the Central region included states like Arkansas, Minnesota, Missouri, and North Dakota. In addition to this high praise, the insurance company earned 4.2 out of 5 stars on Consumer Affairs

The company advertises a multi-car discount. But the details of the savings will vary based on your unique situation. Other savings opportunities are available for safe drivers and good students. Plus, you can save up to 10% on your policy if you pay for your premiums upfront.

Compare Auto Insurance Quotes to See How Much You Can Save

How Does a Multi-Car Insurance Policy Work?

The definition of a multi-car insurance policy means that you have more than one vehicle on the same car insurance policy. Instead of insuring the cars in your household with separate policies, you can get insurance coverage for all of them under one multi-car insurance policy. 

Typically, insurance companies will require that the vehicles have the same address. Additionally, many insurers only offer multi-car insurance policies to immediate family members and those in the same household. With that, relatives living in different homes cannot share policies. But sometimes, insurance companies will allow roommates to share a multi-car policy. 

Once on the same policy, you’ll pay a single premium to insure all of the vehicles being insured. 

Why You Should Insure Two Cars Under the Same Policy

2 cars in the driveway at home

If your household has multiple vehicles, there are several reasons why you should consider insuring them on the same policy. Here’s a closer look at the reasons why. 


You can often lock in a discount if you insure a second car on the same insurance policy. Although the size of the deal can vary, you might find a discount of up to 25% on your multi-car policy. 

Since car insurance costs can add up quickly, locking in a discount can be a game-changer for your budget. Although a multi-car discount is only one of the many discounts you can pursue, it’s an effective way to lower the overall car insurance costs for your household. 


Beyond the ability to lock in a discount, there’s added convenience when you streamline your car insurance policies into one. At the very least, putting two cars on the same one will lead to one less bill to keep track of. 

In addition to limiting the number of bills you have to keep up with, you’ll also be able to tackle the task of shopping for car insurance in one go. Instead of determining your insurance needs for multiple separate policies, you can take a more overarching approach to your car insurance needs. 

With just one policy to shop for, it’s easier to focus your effort on finding a car insurance policy that suits your needs and budget. After all, you know that you’ll only have to tackle this financial chore for all of your household vehicles at once. 

Stacking Coverage Options

You can sometimes stack coverage across vehicles, combining your coverage limits for multiple vehicles. With that, you’ll have more protection after an accident. 

Additionally, some multi-car policies offer a single claim deductible. If you got in an accident with both vehicles on the same policy, you might only have to pay one deductible to get both fixed. 

Which Insurance Companies Offer the Biggest Multi-Car Discounts?

Many auto insurance companies offer a discount for multi-car auto insurance. This is offered as an incentive for you to insure multiple vehicles with them. As a household with multiple vehicles, finding an insurance company that provides this worthwhile discount can mean significant savings. 

Here’s a look at some of the top insurance companies known to offer significant discounts on multi-car policies:

  • GEICO: GEICO offers a multi-car discount of up to 25%. 
  • Progressive: Progressive offers a multi-car discount, with average savings of 4%.

These insurance companies offer multi-car discounts, but the potential savings are unspecified.

  • State Farm
  • Travelers
  • Liberty Mutual
  • Allstate
  • Farmers
  • American Family

Of course, plenty of other insurance companies offer multi-car discounts. But the options listed above are some of the most accessible. If you come across a different insurance company you’re interested in, don’t forget to see if they offer multi-car discounts. 

Compare Rates to Stack Your Discounts With Affordable Premiums

How to Find the Best Insurance When You Have Multiple Vehicles

When you are looking for the best insurance policy for multiple vehicles, there are several steps you can take to ensure the best possible outcome. Here’s what you can do to lock in the most affordable coverage for all of your vehicles.

Consider Your Coverage Needs

Before you search for car insurance, you’ll need to determine what kind of coverage you need. Although there is no simple way to determine how much car insurance you need, it’s essential to nail down this basic detail. 

Your Coverage

At the very least, you’ll need a policy that meets your state’s minimum liability insurance requirements. In the event of an accident, liability coverage will help you pay for damages and injuries you cause to other drivers. It’s illegal to drive without at least state minimum coverage in all but two states. 

But sticking with the minimum coverage can be a mistake. Although you’ll likely find the most affordable premium with minimum coverage, you could get stuck in a financial jam if you have an accident. 

If you want more financial support from your insurer after an accident, you should consider a full coverage policy that includes comprehensive and collision coverage. With this coverage, your insurance company should kick in to help repair or replace your vehicle after an incident. 

Your Deductible

Regardless of your chosen coverage type, you’ll also need to determine the appropriate deductible. Your deductible is the amount you must pay when you file a claim before your insurance coverage will kick in. 

Typically, a higher deductible leads to more affordable car insurance premiums. But be careful to keep the deductible low enough that you could easily cover it if an accident happened. 

For example, you shouldn’t opt for a policy with a $1,000 deductible if you can’t come up with those funds immediately if you’re in an accident. Otherwise, you could get stuck in a tight financial spot after an accident because your insurance company won’t provide coverage.

If you want help determining how much car insurance you need, take advantage of our full guide

Shop Around

When you know what car insurance you want, shopping around for the best option is a good idea. Unless you compare quotes from multiple companies, it’s impossible to know whether or not you are getting the best deal. 

For those that decide to shop around, you aren’t alone. Many drivers are choosing to compare quotes in pursuit of savings

The process of comparing quotes might sound tedious. But the good news is you won’t be stuck manually finding quotes at dozens of car insurance companies. Instead, you can easily explore your options with the help of our free comparison tool

You’ll know you are looking at a relatively low rate when you shop around. But don’t forget to consider the insurance company’s reputation when making your pick. 

You’ll want to choose a company that offers reasonably low rates. Plus, responsive customer service is key to making your life easier when filing a claim. 

Compare Car Insurance Quotes for Your Multi-Car Policy

How Many Vehicles Can You Insure Under One Policy?

When you think of a multi-car policy, you likely think of two vehicles. But what if your household has more than two vehicles in the driveway? 

You may still qualify for a multi-car policy. Most insurance companies impose a limit of four to five cars on your insurance policy. However, some insurance companies allow you to insure up to six vehicles on the same policy. 

If you have more than four vehicles to insure, you might need to work directly with an insurance agent to find a policy that will work for you. Remember that all the cars you insure must reside at the same address. 

FAQs About Cheap Car Insurance for Multiple Vehicles

Is insuring a second car cheaper?

Typically, the cost of insuring two cars together is lower than insuring the vehicles separately. That’s because most insurance companies offer a multi-car discount. Ultimately, you’ll pay less for a policy covering two cars. 

The insurance cost per car might be lower. But the cost of insuring another vehicle on your policy will likely be higher than your policy with just one vehicle on it. 

Can you have two cars on one insurance policy?

Yes, you can have more than one vehicle on the same insurance policy. But some insurance companies will require that cars on the same policy live at the same address. 

What is the cheapest way to insure two cars?

In most cases, the cheapest way to insure two cars is to have both vehicles on the same policy. For many, opting for their state’s minimum liability coverage limits will also keep costs down. However, your situation’s unique details will determine the most affordable option. 

Does car insurance double with two cars?

You’ll likely pay more for your auto insurance when you add a second car to your insurance policy. However, adding a second car won’t necessarily double your costs. In some cases, the type of car will more than double your insurance costs. But in other cases, multi-car discounts and other factors will see your insurance costs go up less dramatically.

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