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What Is Multi-Car Insurance?

A multi-car insurance policy is a simple concept: it means any policy that covers more than one vehicle at the same address. Multi-car insurance is popular because it often includes a big discount for every car insured and can give you other perks as well. We’ll tell you how multi-car insurance policies work and how much you can save.

Is It Cheaper to Get Multi-Car Insurance?

Yes! Typically, you’ll save 25% or more on your premium, compared to insuring the cars separately. The multi-car discount is one of the biggest offered by most insurance companies. The best part: It’s not affected by your driving record or any other factors. You just have to insure two or more vehicles on the same multi-car insurance policy.

Will you qualify? And how much money can you save? We’ve got the answers. But if you don’t have time to read all this, you can cut to the chase: We show you genuine, unbiased quotes straight from the insurance companies. You’ll see real rates on your screen in just minutes.

The Benefits of a Multi-Vehicle Discount Policy

Big Insurance Savings

Multi-car insurance discounts can make a pretty big dent in your insurance premium. We found many insurance companies that offer savings of 25-30% when you insure more than one car with them, and some give you a multi-car discount that’s even bigger than that. By comparison, other common discounts (like being a good student, or choosing a paperless policy) may only deduct 5-10%.

Best of all, every car on a policy gets the benefit of the multi-car discount. When you combine single policies into a multi-car policy, that means you could save 25% while the other person also saves 25% — that’s a big improvement over the rates you would pay for separate policies!

A Single Insurance Deductible

Let’s say you wake up at midnight to a no-fun surprise: a massive tree has fallen on your car and your spouse’s. You’ll have to file a comprehensive claim with your insurance company to get them both fixed. Arrrgh!

Here’s a tiny ray of sunshine: If you and your spouse share a multi-car insurance policy, you’ll only have to pay a single deductible. So if your deductible is $500, you pay that and you’re done, no matter how much repairs to both cars may cost.

Car Insurance Stacking

Some states allow you to stack your uninsured motorist liability insurance benefits when you have multiple cars on a policy, which is an awesome perk. How does insurance stacking work? Basically, it means combining your benefits to use for a single claim. Here’s an example: Your husband is driving to work when an uninsured driver runs a red light and hits him. The collision sends your husband to the hospital with a back injury and leaves him unable to work for months. He has $25,000 in uninsured motorist bodily injury coverage for his truck, and you have the same amount. If the hospital bills and other losses exceed $25,000, he can stack your coverage on top of his, for a combined limit of $50,000.

What Are the Requirements for a Multi-Car Insurance Policy?

Qualifying for a multi-car insurance policy is easy, although different insurers have different requirements. The basic rule is that the cars must be kept (garaged) at the same address. Some require all cars on a policy to be in the same household and owned by people in the same family. Others are OK with roommates or other non-related people sharing an insurance policy. And some insurers will give you the multi-vehicle discount even if you have separate car insurance policies (with the same company) at one address.

Some insurance companies limit the number of cars you can have on a single policy. Usually, the max is four or five. In order to get the multi-car policy, you’ll need the standard info: the name on the title and registration, the VIN, and info on the lienholder, if there’s a car loan.

Does Coverage Need To Be The Same On Each Vehicle?

Good question! You do need the same liability limits — for bodily injury liability and property damage liability — for all cars on your multi-vehicle policy. The same is true for uninsured/underinsured motorist coverage. So if you have 50/100/25 coverage on one car, the other vehicles on the policy would have the same.

Collision and comprehensive coverage limits can change from car to car, however. Let’s say you’re buying multi auto insurance for two cars: one is a new Buick Enclave and one is a 20-year-old Toyota Camry. To save money, you could opt for collision and comprehensive on the Enclave and drop those coverages on the Camry.

How to Get Cheap Multi-Car Insurance Quotes

This is really important: You shouldn’t just add your car to your partner’s policy, or vice-versa. Why? Because you don’t know if your current insurance company is going to give you the best deal on a multi-car policy. Multi-car discounts vary a lot (see below), so you don’t want to accept a 10% discount if another insurer will offer you 30%.

Instead, you should compare auto insurance quotes to see who offers the lowest rates. We make it easy! You’ll see the multi-car discount automatically pop up when you enter more than one car in the quote process. Then, you’ll be able to compare several real-world quotes for the same level of coverage.

Companies That Offer Multi-Car Insurance Discounts

How much can you save? That depends on the insurance company. Here are companies Compare.com works with who are multi-car policy providers:

When Is It a Bad Idea to Combine Insurance Policies?

Let’s say you and your sister are moving in together. She asks you to add her to your car insurance policy, because it seems like an easy way to save some cash. But you hesitate: Your sister drives an Audi, while you own an Accord. She got three speeding tickets last year, but your driving record is clean. Is your insurance going to go up if you’re on the same policy? Or will the multi-car discount lower your rates?



There’s an easy way to find out. Compare multi-car insurance quotes for both cars and both drivers! Looking at real-world quotes can give you an accurate sense of the potential savings and pitfalls of a multi-car discount. Just keep in mind that most insurance companies will require you to list related people living at the same address as drivers on your policy, even if you maintain separate policies.

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