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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Multi-car insurance covers two or more vehicles under a single policy. It can simplify your bills, streamline the claims process, and lead to significant savings. Whether you’re insuring family cars or splitting coverage with a roommate, it helps to know how it works.
In this article, we’ll share everything you need to know, including the cheapest insurers, the companies with the best discounts, potential drawbacks, and how to get a policy.
Multi-car insurance lets you insure two or more vehicles on one policy, as long as you register them at the same address and in the same state.
With a multi-car discount, you can usually save around 12%–25%, but discounts vary by insurer, where you live, and the cars you’re insuring.
Elephant and Infinity advertise the largest multi-car discounts among the insurers we researched.
Multi-car insurance lets you cover two or more vehicles under a single policy, making it easier to manage payments, claims, and renewals. While all cars share the same policy, each one can have its own coverage type. For example, you might choose full coverage for a newer vehicle and liability-only coverage for an older car.
If you have more than one car in your household, you can usually save by bundling them together under a family plan. Most insurers offer a multi-car discount when you add more than one vehicle to your policy, with savings typically ranging from 12% to 25%. The exact amount depends on your insurer, location, and the types of cars you insure.
Bundling your vehicles with one company simplifies your policy and can qualify you for other insurance discounts, like a multi-policy discount for adding your home or renters insurance, and loyalty discounts for sticking with the same insurer.
Most major car insurers offer a multi-car discount, but not many advertise how much you can save. Discount savings can vary depending on the insurer, state, and the number and types of vehicles you’ll insure.
Here’s how much you could save with a multi-car discount from various insurers, according to our research.
Insurance Company  | Advertised Discount |
|---|---|
| Elephant | Up to 45% |
| Infinity | Up to 38% |
| GEICO | Up to 25% |
| Amica | Up to 25% |
| Direct Auto | Up to 25% |
| State Farm | Up to 20% |
| Shelter Insurance | Up to 20% |
| AAA | Up to 7.5% |
| Progressive | Average savings of 12% |
Elephant offers the largest advertised multi-car discount, at up to 45%, but Infinity’s discount savings aren’t far behind. That said, most insurers offer between 12% and 25% in savings, including major insurers like GEICO and State Farm.
Factors like your driving record, age, coverage levels, auto insurance laws, accident and vehicle theft rates, weather, and repair costs can all influence what you’ll pay.[1] Car insurance rates vary by company, since insurers have different pricing methods and usually weigh each factor differently.
The table below shows the cheapest insurers when you need to insure multiple cars, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $57 |
| GEICO | $93 |
| Direct Auto | $97 |
| Progressive | $101 |
| CSAA | $107 |
| Elephant | $124 |
| Shelter | $152 |
| Amica | $296 |
Compare personalized quotes from dozens of top insurers.
Multi-car insurance policies can lead to savings, but how much depends on your insurer and policy details. You could save anywhere from 12% to 25% with most companies, though some offer higher discounts. For example, Infinity Insurance advertises up to 38% off with a multi-car discount.
On Reddit, one user saw their monthly premium drop from $170 to $116 just by adding a second vehicle. Another noted that removing a car only saved them $77, while someone else reported a $500 increase after losing a multi-car discount.[2] [3]
Though you can save with a multi-car policy, there are some drawbacks to consider.
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While multi-car insurance can save money, it’s not always the best fit for everyone. Some factors are important to consider, like:
A claim on one car can raise rates for the entire policy.
Drivers with poor records may drive up pricing.
Insurers often require you to garage all vehicles at the same address.
One policy means one bill, which may stretch your budget.
All vehicles usually need the same liability and uninsured motorist coverage limits.
Most companies won’t allow you to insure a motorcycle on the same policy as your vehicles.
Business-use and classic cars typically need separate policies.
Speak with your insurer for guidance on your personal situation and to understand its rules and requirements for a multi-vehicle policy.
Getting a multi-car insurance policy is simple, whether you’re buying a new policy or adding a vehicle to an existing plan. Here’s how to do it:
Gather your info. Get birthdates and driver’s license numbers for all drivers, VINs for each vehicle you’re insuring, and current coverage details and policy discounts to compare.
Compare quotes. Get an insurance quote from at least three companies that offer multi-car discounts and policies.
Customize your coverage. Insurers typically let you adjust coverage levels for each vehicle. You don’t have to get full coverage on every car if you don’t need it. You may also be able to add optional coverages like gap insurance and accident forgiveness.
Check your dates. If you’re switching companies, make sure your new policy date is the same as your current policy end date to avoid a coverage gap.
Review and finalize. Review the policy details to ensure each vehicle has the right coverages and deductibles. Make sure you’re getting all the discounts you’re eligible for before finalizing the policy and making your first payment.
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Most insurers have a few basic rules for multi-car insurance. Though the requirements can vary by company, you’ll typically need to:
Insure all vehicles under the same policy.
Register all vehicles to the same address, in most cases.
Use vehicles for personal purposes, not commercial.
Keep registration and tags for all cars in the same state as the policy.
List all drivers on the policy.
We answered common questions people ask about multi-car insurance to help you decide if it’s right for you.
Not always. It depends on multiple factors, including drivers, vehicles, and the insurance company. In some cases, separate policies can be cheaper than a single insurance plan.
Yes. You may need to if the names on the car titles don’t match. That said, a multi-car policy is usually more cost-effective, convenient, and easier to manage than having multiple car insurance policies.
Usually, yes. Most insurers require you to garage and register all vehicles on the policy at the same address, though some make exceptions for college students and dependents.
Yes. You can choose different coverage for each vehicle, like liability-only for an older car and full coverage with comprehensive and collision coverage for a newer, financed vehicle. Most insurers require liability and uninsured motorist coverage limits to match, though.
A multi-car policy covers multiple vehicles under one insurance plan. A multi-policy discount applies when bundling different types of insurance, like auto and home.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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