Cheap Auto Insurance for Families With Multiple Drivers in 2024 (Save With These 8 Companies!)
USAA, an insurer of military and veterans, has the lowest rates for cheap auto insurance for families with multiple drivers, followed by Geico and State Farm. USAA's average minimum coverage rates are $22/mo. Non-military families can get cheap insurance at Geico, which averages $30/mo for minimum coverage.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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17,759 reviewsUSAA is the top provider of cheap auto insurance for families with multiple drivers, followed by Geico and State Farm.
A few other of the cheapest auto insurance companies for families with multiple drivers include Travelers, Progressive, and Nationwide.
Our Top 8 Company Picks: Cheapest Auto Insurance for Families With Multiple Drivers
| Company | Rank | Monthly Rates | Multi-Car Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | 25% | Military Families | USAA |
 | #2 | $30 | 25% | Big Discounts | Geico |
 | #3 | $33 | 20% | Local Agents | State Farm |
 | #4 | $37 | 8% | Bundling Policies | Travelers |
 | #5 | $38 | 10% | Budgeting Tools | Progressive |
 | #6 | $43 | 25% | Vanishing Deductibles | Nationwide |
 | #7 | $53 | 20% | Add-On Coverages | Farmers |
 | #8 | $60 | 25% | High-Risk Savings | National General |
Read on to learn more about the top companies for multiple-driver insurance. You can also enter your ZIP code above to get started on comparing quotes from multiple providers.
- USAA is the cheapest auto insurance company for military families
- Geico and State Farm are the cheapest options for non-military families
- Combining families under one car insurance policy is usually the best option
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#1 – USAA: Top Pick Overall
Pros
- Highly-rated customer service: USAA has high ratings for customer service, indicating that most customers are happy with the service they receive for policy support, claims handling, and more.
- Affordable rates: USAA has the cheapest average rates for multi-driver car insurance on the market. Learn more about USAA’s rates in our USAA auto insurance review.
- Bundling discounts: Families can purchase more than one type of insurance, such as home and auto, for a bundling discount that can bring rates down for car insurance for multiple drivers.
Cons
- Limited availability: USAA is only available for military, veterans, and their families, so non-military families will have to shop somewhere else for cheap auto insurance.
- Limited local agents: USAA doesn’t have a wide range of physical locations for agents, so most assistance will have to be provided virtually.
#2 – Geico: Best for Big Discounts
Pros
- Variety of auto insurance discounts: There are a number of Geico auto insurance discounts that can benefit families, such as multi-car discounts, good student discounts, and more.
- 24/7 customer assistance: Geico offers 24/7 assistance, so families can reach out for help regarding any of the multiple drivers on the policy at any time.
- User-friendly app and website: Geico’s website and app are easy to use, so families can easily check on information for multiple drivers.
Cons
- Limited local agents: Geico doesn’t offer many in-person agents, so families must communicate with Geico online or over the phone.
- Mixed claims handling reviews: Geico has some negative customer reviews, which is typical of any large insurance company. You can read more about Geico’s customer service in our Geico auto insurance review.
#3 – State Farm: Best for Local Agents
Pros
- Local agent network: State Farm has one of the best local agent networks, making it easy for customers to get in-person assistance with multiple drivers’ car insurance.
- Strong financial ratings: State Farm is one of the largest insurance companies in the U.S., with great financial ratings.
- Multiple discounts: State Farm auto insurance discounts can help multiple-driver families save.
- Cheap for young drivers: Generally, State Farm offers affordable rates for younger drivers, particularly for college students.
Cons
- Mixed customer experience reviews: As with all large insurers, there are mixed customer reviews about State Farm’s claims handling and customer service.
- Availability limited in some regions: Not all of State Farm’s services and discounts are available in every state. Learn more in our State Farm auto insurance review.
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#4 – Travelers: Best for Bundling Policies
Pros
- Variety of coverage options: Travelers offers plenty of auto insurance coverages for families to choose from, such as add-on coverages like new car replacement.
- Variety of discounts: Travelers’ auto insurance discounts can help families save on multi-driver insurance (learn more in our Travelers auto insurance review).
- Strong financial stability: Travelers has strong financial ratings and is a reputable company.
Cons
- Limited local agents: Travelers doesn’t have many local agents, so multiple driver families may be unable to receive in-person assistance.
- Mixed customer service reviews: Like other major auto insurance companies, Travelers has mixed reviews about customer service.
#5 – Progressive: Best for Budgeting Tools
Pros
- Budgeting tool: Progressive has a Name Your Price tool, which helps families see how much coverage they can get on their set budget.
- Usage-based discount: Progressive’s Snapshot can help families save on multiple driver insurance policies. Learn more in our Progressive Snapshot review.
- User-friendly apps: Progressive’s apps are well-rated, making it easy for families to manage their policies (read more: Progressive Auto Insurance Review).
Cons
- Limited local agents: Progressive has a limited local agent presence, so families may not be able to get in-person help with multiple-driver car insurance policies.
- Coverages may be limited by region: Not all Progressive’s discounts and add-on coverages are available in every state.
#6 – Nationwide: Best for Vanishing Deductibles
Pros
- Vanishing deductibles: Nationwide offers a vanishing deductible to accident-free families, making it possible to save over time.
- Variety of coverages: Nationwide offers many different types of auto insurance, such as roadside assistance. See what else Nationwide offers in our Nationwide auto insurance review.
- Variety of discounts: Nationwide auto insurance discounts include multi-policy, multi-car, and more.
Cons
- Limited availability: Nationwide auto insurance isn’t offered in a handful of states.
- Mixed claims handling reviews: Nationwide, like all companies, has mixed customer reviews about claims.
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#7 – Farmers: Best for Add-On Coverages
Pros
- Multiple add-on coverages: Families can pick from a variety of coverages to fit their needs, including rideshare insurance.
- Usage-based app: Farmers’ Signal app rewards safe drivers with a discount (read more in our Farmers Signal review).
- Variety of discounts: Farmers offers bundling discounts, multi-car discounts, and more.
Cons
- Limited availability: Not all Farmers’ coverages and discounts are available in every region.
- Mixed customer service reviews: Farmers has mixed customer service reviews (learn more: Farmers Auto Insurance Review).
#8 – National General: Best for High-Risk Savings
Pros
- High-risk driver coverages: If families have high-risk drivers, they can still find coverage at National General.
- Quick processing of claims: The National General has good reviews regarding claims processing.
- Variety of discounts: Discounts include safe driving discounts and bundling discounts. Learn more about National General’s coverage options in our National General auto insurance review.
Cons
- Limited availability: Not all of National General’s coverages and discounts are available in every state.
- Higher average rates: National General’s average rates are higher than other cheaper companies that are more widely available.
How Family Auto Insurance Rates Are Calculated
Car insurance companies base your insurance rates on how much risk you pose to them.
A variety of factors that determine risk are considered, including:
- Your Age and Gender: Males tend to pay more for auto insurance, as do drivers under the age of 25.
- Driving History: If you or someone in your family has been in multiple accidents or have received tickets for other moving violations, your auto insurance rates for being a high-risk driver will be much higher.
- Credit Score: Credit score affects auto insurance rates, as people who do not handle their finances responsibly usually will not handle driving responsibly either.
- Your Vehicle: New, expensive cars cost more to fix and repair. Sports cars also increase your risk of getting speeding tickets or other traffic violations.
If you are looking to insure multiple drivers under one policy, the risks for each driver will be factored in. However, the company you pick will greatly affect your overall rates, as the eight cheapest companies listed below will have the best rates.
Auto Insurance Monthly Rates for Families With Multiple Drivers
| Insurance Provider | Minimum Coverage | Full Coverage |
|---|---|---|
| USAA | $22 | $59 |
| Geico | $30 | $80 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
| Progressive | $38 | $105 |
| Nationwide | $43 | $115 |
| Farmers | $53 | $139 |
| National General | $60 | $161 |
By getting auto insurance quotes from these companies, you may be able to keep your rates reasonably low even with a riskier driver on your policy.
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Shopping for Family Insurance Policies
Finding the right insurance company to insure your vehicles can be a process. You can look on your own to find an agent or a company, or you can use a broker.
An insurance broker doesn’t work for one particular company but has access to multiple providers. As such, a broker can often find insurance policies for higher-risk parties.Daniel Walker Licensed Auto Insurance Agent
If you don’t have a particular insurance company or agent in mind, you can search for an insurance company online. You can do this by doing a general web search or by using a site to compare multiple auto insurance quotes from car insurance companies.
Take some time to speak with a few different agents to see if one may be a better fit for you than others.
Don’t be afraid to turn a policy proposal down from someone if something about your personality doesn’t mesh or you are uncomfortable working with the agent. Once you have narrowed down your choices for a car insurance agent or company, do some thorough research.
Make sure that the company is authorized and that the broker or agent is licensed in your state.
See if the agent or insurance company has any complaints against them.
Contacting your state’s insurance department would be the best way to find this out.
Research how stable the company is in regards to financial trends. You would hate to be with a company that fights you for every claim and/or tries to settle for less than you deserve.You also want to be with a company that is going to be around for a while and won’t be declaring bankruptcy.
There is a handful of companies like AM Best that have done the financial analysis of insurance companies for you. On their site, you can type in an insurance company’s name and be presented with its financial ratings, the number of assets it has, and its outlook for the future.
How to Save on Family Insurance Rates
One of the biggest concerns drivers have is the cost of car insurance. If you are insuring multiple drivers with different risk factors, how much you pay for your premium is an even bigger worry.
Fortunately, there are some ways that you can pay less for your auto insurance premiums:
- Consider your finances. If you are settled and have money in the bank, you may be able to afford a higher deductible which will decrease the amount you pay for your policy.
- Bundle your insurance policies. If you own a home or have other types of insurance, insure them with the same company as your auto insurance for even greater savings.
- Consider your vehicle’s coverage. Older cars may not need collision or comprehensive, while newer and financed vehicles do.
- Ask about auto insurance discounts. Many insurance companies will reward drivers for saving them money through the use of discounts.
Some of the discounts you should look for at the top eight companies are listed below.
Just insuring more than one car at a company automatically qualifies families for a multi-car discount.
When to Insure Family Drivers Separately
Although in most cases it is smarter to combine all drivers of a household on the same policy, this isn’t always the case.
There are certain circumstances in which it would be better to insure someone separately.
If one of your drivers has had a poor driving history, been convicted of a DUI, or is a new driver with no experience, the rate for them may be very high which would affect all of you.
Some high-risk drivers will even be denied car insurance because of their past mistakes.
If someone has been denied car insurance from the standard auto insurance market, he will usually have to get insurance from a non-standard or high-risk provider with high premiums.
If you have someone in your family that has a negative record, it may be a better idea to insure the high-risk driver separately with a non-standard insurance company and then insure the rest of the family under a normal policy.
Affordable auto insurance rates can be found right now by entering your ZIP code in the FREE quote tool on this page!
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Frequently Asked Questions
Do I need to add all the drivers in my family to my auto insurance policy?
Yes, it is essential to include all the drivers in your family on your auto insurance policy. Insurance companies require accurate information about all drivers who have access to your vehicles to ensure appropriate coverage and pricing.
Can I exclude a specific driver from my auto insurance policy?
In some cases, you may have the option to exclude a specific driver from your auto insurance policy. However, this means that the excluded driver will not be covered under the policy, and any accidents they cause will not be covered either. Exclusions should be carefully considered and discussed with your insurance provider.
Will adding multiple drivers to my auto insurance policy increase my premium?
Adding multiple drivers to your auto insurance policy can lead to an increase in your premium. The insurance company takes into account factors such as the driving records, age, and experience of each driver when determining the premium. Young and inexperienced drivers may result in higher premiums due to their higher risk profile.
Is there any discount available for families with multiple drivers on one auto insurance policy?
Yes, many insurance companies offer a multi-driver discount for families with multiple drivers on one auto insurance policy. This discount can help offset the increased premium that may result from adding additional drivers. It is advisable to inquire with your insurance provider about any available discounts.
What happens if an uninsured driver in my family gets into an accident?
If an uninsured driver in your family gets into an accident, the consequences can be significant. Without insurance coverage, the driver may be personally responsible for all damages and liabilities resulting from the accident. It is crucial to ensure that all drivers in your family are adequately covered to avoid potential financial hardships.
Are there any restrictions on who can drive the insured vehicles in my family?
The restrictions on who can drive the insured vehicles vary depending on the insurance policy and the insurance provider. Some policies may have specific named-driver exclusions, which means only the listed drivers are covered. It is important to review the terms and conditions of your policy or consult with your insurance provider to understand any restrictions.
Is it cheaper to insure multiple drivers?
While your total bill will be higher than insuring just one driver, it is often cheaper to get car insurance for two drivers on the same policy rather than purchasing two separate policies.
Can someone who doesn’t live with you be on your car insurance?
No, drivers must live at the same residence as you in order to be put on your policy. The exception would be college students who are away at school without a vehicle.
Which car insurance is best for my family?
Some of the cheapest (and best) car insurance companies for families are USAA, Geico, and State Farm.
Is it cheaper to be under your parents’ car insurance?
Yes, it is cheaper for younger drivers to be on a parent’s family policy rather than purchasing their own policy.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
