8 Best Auto Insurance Companies for Multiple Vehicles (2024)

Geico, Elephant, and State Farm are the best auto insurance companies for multiple vehicles because they offer big multi-vehicle insurance discounts.

Geico and Elephant are the best auto insurance companies for multiple vehicles with the biggest discounts. Elephant stacks its discount with each vehicle, adding up to 46%.

Our Top 8 Picks: Best Auto Insurance Companies for Multiple Vehicles

The best companies for multi-vehicle auto insurance discounts make it easy to add/remove cars from a policy. Nationwide simplifies this for families with multiple drivers and vehicles through its Family Plan — every time a vehicle is added to a family policy, the discount increases.

Enter your ZIP code below to get started on comparing quotes from the best providers for drivers with several cars.

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#1 – Geico: Top Pick Overall

Pros:

• Big savings: 25% multi-vehicle discount (See More: Geico Auto Insurance Discounts)
• Student discounts: Biggest discount for students away at college at 20%
• New car discounts: Add a new vehicle to your policy and save 15%
• Low rates: Cheapest multi-car insurance provider for good drivers
• National availability: Coverage in all 50 states

Cons:

• Expensive high-risk coverage: Higher rates for drivers with tickets or bad credit than other companies
• No gap insurance: Does not offer gap coverage for auto loans or leases

#2 – Elephant: Biggest Multi-Vehicle Auto Insurance Discount

Pros:

• Biggest savings: 46% multi-vehicle discount
• Free perks: Up to $1,000 in custom parts coverage, guaranteed repairs, and accident forgiveness after three years without claims
• Unique add-ons: Legal coverage pays legal fees for a minor violation
• Diminishing deductible: Deductible does not reset after an accident or claim and continues to diminish after one year

Cons:

• Not in every state: Only available in eight states: GA, IL, IN, MD, OH, TN, TX, VA
• High number of complaints: Receives more customer complaints than other providers its size. Get full ratings and reviews in our Elephant auto insurance review.

#3 – State Farm: Best for Fast Claims

Pros:

• Big savings: 20% multi-vehicle discount
• Wide availability: Available in 48 states
• High claims satisfaction: Top five in J.D. Power Claims Satisfaction Survey. See the reviews and rankings in our full State Farm Auto Insurance Review.
• High customer satisfaction: Best for customer service in Florida and Southwest U.S.
• Best usage-based insurance: Top three in UBI customer satisfaction

Cons:

• Not in every state: Not writing new policies in RI or MA
• Missing policy perks: No accident forgiveness or diminishing deductibles

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#4 – Nationwide: Best for Families With Multiple Vehicles

Pros:

• Big savings: 20% multi-vehicle discount. Explore more discount options in our Nationwide auto insurance review.
• Wide availability: Coverage in 47 states
• Low rates: Affordable auto insurance for teens and young drivers

Cons:

• Poor customer service: Below-average in customer service and claims satisfaction
• Expensive high-risk coverage: Higher rates for drivers with tickets and accidents than other companies

#5 – The Hartford: Best for Senior Drivers

Pros:

• Moderate savings: 10% multi-vehicle discount
• Big bundling discounts: Save up to 20% when bundling home and auto
• Low rates: Affordable auto insurance for seniors
• Exclusive discounts: AARP members enjoy exclusive savings on insurance and lifestyle discounts

 Cons:

• Expensive high-risk coverage: Higher rates for drivers with tickets than other companies
• Expensive teen insurance: Not the cheapest for drivers under 25. Compare rates in our review of The Hartford auto insurance.

#6 – Progressive: Best for Unique Multi-Car Coverage

• Moderate savings: 12% multi-car discount
• National availability: Coverage in 50 states
• Pet insurance: Collision policies cover vet bills for pets injured in an accident
• Unique policies: Rideshare insurance, deductible savings bank, and gap insurance available

Cons:

• Expensive: Higher-than-average rates for teens and drivers with bad credit
• Poor claims satisfaction: Scored below average in annual J.D. Power Survey. Our complete Progressive review goes over this in more detail. 

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#7 – Farmers Insurance: Best for Additional Discounts

Pros:

• More discounts: Offers the most auto insurance discounts out of its competitors
• Wide availability: Coverage in 49 states
• Positive customer reviews: Fewer complaints than other companies

Cons:

• Discount unknown: Does not list discount amounts online
• Limited availability: No longer writing new policies in California (Learn More: Farmers Auto Insurance Review)

#8 – USAA: Best for Military Drivers

Pros:

• National availability: Coverage in all 50 states
• Low rates: Cheapest rates for all drivers. See how USAA’s rates compare to other insurance providers in our USAA auto insurance review.
• Positive customer reviews: Fewer complaints than other companies
• Financial services: Multiple types of insurance and banking services for members

Cons:

• Discount unknown: Does not list discount amounts online
• Exclusive: Coverage only available to military drivers and their families

Rates From The Best Auto Insurance Companies for Multiple Vehicles

We gathered average rates from the top auto insurance companies and then gathered the amount of the discount they offer for insuring more than one car. We used those numbers to rank the top multi-car insurance providers for multiple vehicles.

Monthly Multi-Vehicle Auto Insurance Rates by Company

There are many factors that affect auto insurance rates, so the average rates at any given company might not apply to you. The type of car you drive, your driving record, the drivers on your policy, and where you live all play a big role in determining your rates. Compare rates from as many companies as possible to find out which one is best for you.

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How Multi-Vehicle Auto Insurance Works

Multi-vehicle coverage works just like the policy you have on a single car. The only difference is that, while some coverage will apply to all vehicles, you will have to buy additional insurance per vehicle as you see fit.

For example, the types of car insurance shared across vehicles on a multi-car policy are:

• Liability coverage
• Personal injury protection (PIP)
• Medical payments coverage (MedPay)
• Uninsured/underinsured motorist insurance (UM/UIM)

These coverages are often required by state law, and most insurance companies will stack them across all vehicles listed on your policy if you ever file a claim. Learn the difference between stacked and unstacked auto insurance.

The types of car insurance you buy per vehicle include:

• Comprehensive coverage
• Collision coverage
• Business or rideshare coverage

Additional coverage like this is not required by law, but you may need comprehensive and collision if you have a lease or auto loan. Similarly, you’ll need a business policy on a vehicle you use for work. Talk with your provider about what kind of coverage you need on which vehicle to ensure you’re not driving without insurance.

Other Ways to Save on Auto Insurance for Multiple Vehicles

Adding a car to your policy can qualify you for more discounts along with a multi-vehicle discount. Depending on your situation you could earn:

• Student-away-at-school discount: Keeping a college student’s car insured on your policy while they’re away at school can lower auto insurance rates.
• New car discount: Buying a new car and adding it to your current policy will earn you a discount with most companies.
• Multi-policy discount: If you own or rent your home, combine your auto insurance with your homeowners or renters policy for a bundle discount.

However, car insurance companies with the biggest multi-car discounts may not always have the cheapest rates based on your driving record and demographics. And the lowest rate doesn’t always mean the best insurance company. Cheap auto insurance isn’t a good deal if your claim isn’t paid, so always look at reputation rankings and customer reviews to find the best auto insurance companies for multiple vehicles.

Read More:

• Geico Auto Insurance Discounts
• The Hartford Auto Insurance Discounts
• Is it cheaper to add a second car to my insurance?
• Can I have two auto insurance policies?
• What discounts does State Farm provide?
• What discounts does Farmers Insurance provide?

How to Find The Best Auto Insurance Companies for Multiple Vehicles

Geico is the best car insurance company for multi-vehicle policies based on discounts, rates, and national availability, but Elephant has bigger discounts if it’s available in your state.

Use our free quote comparison tool below to see which auto insurance companies are available near you. For families with young drivers, Nationwide offers the best rates on multi-vehicle auto insurance.

The easiest way to find the best auto insurance companies for multiple vehicles is to comparison shop online. Our top eight picks are a great place to start but enter your ZIP code below to get auto insurance quotes from local companies based on your age, location, and the number of vehicles you want to add to your policy.

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