Save with a Multi-Car Insurance Discount

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multiple vehicles in the driveway

If you own more than one vehicle, you may wonder if it makes sense to insure them all under the same auto insurance policy. When you have more than one car in the family, auto insurance premiums can quickly add up.  That’s why insurers offer the multi-car insurance discount.

Securing a multi-car discount with your car insurance company is one way to save money on your premiums without sacrificing coverage. Read on to learn more about how a multi-car discount works, which companies offer the best discounts, and what you need to know to get the best deal.

Key Takeaways

  • You can benefit from multi-car discounts when you insure multiple cars under the same policy.
  • Insurers offer multi-car discounts of up to 25%.
  • Car insurance companies usually require that every car is listed under the same policyholder’s name.

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What is a Multi-Car Insurance Discount? 

A multi-car discount is available for drivers who insure multiple vehicles under the same policy. It offers a cost-effective way for families or individuals who own multiple vehicles to save money on car insurance.

Understanding how the multi-car discount works can help you make informed decisions about your car insurance. So, buckle up and get ready to learn everything you need to know about this cost-saving option.

How Does a Multi-Car Policy Work?

A multi-car insurance policy is a type of car insurance that covers two or more cars that are registered to the same household. It can be cost-effective for families or individuals who own multiple vehicles. 

When you sign up for a multi-car policy, you’ll need to list all of your vehicles on the policy and choose a coverage option for each vehicle. The primary benefit of a multi-car policy is that you save when you combine multiple vehicles into one policy.  Depending on the insurer, you could score up to 25% off your premium. 

Insurance providers requires you to maintain the same amount of liability insurance and uninsured motorist coverage on every vehicle, but when it comes to collision, comprehensive, and other coverage options, it can vary. 

It’s important to remember that insurance coverage is tied to the car, and policies don’t transfer between vehicles. So, when you file a claim, only the coverage on the involved vehicle applies. This means that if your 2021 Honda Accord has full coverage (collision and comprehensive) while your 2001 Toyota Sequoia only has liability coverage, the Toyota won’t receive the benefit of the Honda’s full coverage policy. 

Which Car Insurance Companies Offer a MultiCar Discount?

multiple cars in the driveway at home

All auto insurance companies offer a multi-car discount. Some well-known insurers include Allstate, Progressive, State Farm, and GEICO. Make sure you read the fine print to learn how much you’ll save and how to qualify.

Let’s examine some companies that provide discounts for having a multi-vehicle policy. 


To be eligible for Allstate’s multi-car discount, all of your vehicles must be insured under the same policy, and you must be living in the same house. However, it’s important to note that students at college or university under “away-at-school”  policies are exempt from this requirement. Additionally, your vehicles must be for personal use only. That means it can’t be a car you use solely for business. 

The discount you receive with Allstate’s multi-car program will depend on the specific details of your policy, including the number of cars you insure, their make and model, and your driving history. However, on average, policyholders can expect a 10-25% discount for adding multiple cars to their policy.


GEICO’s multi-car discount program provides policyholders with a convenient and streamlined approach to insurance, as multiple vehicles can be insured under the same policy. Policyholders can also add or remove cars as their needs change, making it a flexible option.

This multi-car discount is available nationwide, making it an option for policyholders in all states across the U.S. GEICO has a user-friendly website and mobile app to make things even easier, allowing policyholders to conveniently manage their insurance and take advantage of the multi-car discount program.


Progressive is a well-respected insurance company with a long history of providing quality insurance products and services to policyholders. With its combination of savings, convenience, and customizable coverage, its multi-car discount program is worth considering if you want to protect your vehicles.

To determine if you qualify for Progressive’s multi-car discount, you can contact the company directly by phone or through its website. A representative will review your policy and vehicles and let you know if you meet the requirements.

State Farm 

If you’re considering State Farm as your insurance company, the multi-car discount is just one of many discounts that may be available to you. It’s a good idea to contact State Farm directly to learn more about the program and find out if you’re eligible. By taking advantage of the multi-car discount, you can save money on your insurance premiums and get the coverage you need to protect your vehicles.

How Much Can You Save with a Multi-Car Discount?

The amount you can save with a multi-car discount depends on the insurer and the type of policy you choose. Generally speaking, you can save up to 25% on your premium if you bundle multiple vehicles into one policy.

For example, if you have four cars on your policy with a combined premium of $3,000, a 20% multi-car discount would save you $600 annually.

Save an average of $720/yr on your next auto insurance policy.

How to Qualify for a Multi-Car Discount

Before you can take advantage of multi-car discounts, there are a few requirements you’ll need to meet. 

  • Insuring all vehicles under the same policy: The main requirement is to own multiple vehicles that are insured under the same policy. The cars must also be registered under the same policyholder’s name. 
  • Insuring vehicles at the same address: You must own or lease two or more vehicles that are registered to the same address. 

Check with your insurance provider to determine your eligibility for a multi-car discount and see what requirements you need to meet. 

When Shouldn’t You Insure Multiple Cars Under the Same Policy

Insuring multiple cars under the same policy is a great way to save money on car insurance. However, there are some instances when it may not be the best option.

For example, let’s say you own two vehicles, one for personal use and one for commercial use. Since these cars are used for different purposes, the risks associated with each type of vehicle are also different. Commercial vehicles are typically used for business purposes, which means they may require additional coverage to protect against potential risks like liability for employee accidents or injuries. On the other hand, personal vehicles may only require coverage for typical usage.

It’s important to remember that while multi-car discounts can save you money, it’s still important to shop around and compare quotes. Scouring the web to find cheap rates from different insurance providers can help you get the best rate possible for your needs.

Frequently Asked Questions About the Multi-Car Discount

Can you add a car to your insurance policy online?

Yes, you can add a car to your insurance policy online with many insurance companies, including Progressive, GEICO, State Farm, and Allstate. Adding a car to your policy online is often simple and straightforward, allowing you to quickly and easily update your coverage.

How many cars can you have on your insurance?

Many insurers limit policies to four vehicles. If more cars are in the household, they may be put on a second policy number, essentially an extension of the first. The number of cars you can insure will depend on the insurance company and the terms of your policy.

Can I customize my coverage levels for each car?

All vehicles on a policy must have the same liability, property damage, uninsured motorist, and medical payment limits – this cannot be changed per vehicle. The only exception to this is if you have a vehicle with storage coverage, which only has comprehensive coverage because you won’t drive it. However, you can customize comprehensive, collision, full glass, towing, and rental coverages per vehicle.

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