Best Multi-Vehicle Auto Insurance Discounts in 2025 (Save up to 25% With These Companies!)
Geico, State Farm, and Allstate have the best multi-vehicle auto insurance discounts, offering up to 25% off policies. Since savings vary among insurers, multiple vehicle owners should compare rates and discounts carefully to secure the best deal on their auto insurance policies.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Feb 10, 2025
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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: Feb 10, 2025
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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For multi-vehicle owners, the best multi-vehicle auto insurance discounts often include significant savings on rates typically around 10-25% for adding multiple cars to a single policy.
You can get cheap auto insurance with a multi-car insurance discount from various companies if you insure several cars.
Many auto insurance offer a multi-car insurance discount, which can lead to lower insurance rates per vehicle when insuring vehicles together.
Our Top 10 Company Picks: Best Multi-Vehicle Auto Insurance Discounts
| Company | Rank | A.M. Best | Multi-Vehicle Discount | Max Cars Allowed |
|---|---|---|---|---|
 | #1 | A++ | 25% | 9 |
 | #2 | B | 20% | 4 |
 | #3 | A+ | 20% | 4 |
 | #4 | A+ | 20% | 4 |
 | #5 | A | 15% | 5 |
 | #6 | A++ | 15% | 4 |
 | #7 | A+ | 12% | 8 |
 | #8 | A | 12% | 4 |
 | #9 | A++ | 10% | 4 |
 | #10 | A | 10% | 4 |
Beyond multi-vehicle discounts, consider bundling auto insurance with home or renters insurance for even more savings or raising deductibles to lower costs. Additionally, shopping for quotes will help multi-vehicle owners find the best price. Enter your ZIP code into our free quote comparison tool above to get started today.
- Combine multiple vehicles under a single policy for affordable auto insurance rates
- You can save anywhere from 10% to 25% with a multi-car insurance discount
- Eligibility for multi-car discounts vary between insurance providers
How to Qualify for a Multi-Vehicle Auto Insurance Discount
Most companies offer a multi-car insurance discount for insuring several cars at the same company, making coverage cheaper if you have multiple vehicles.
For instance, a multiple-car discount may be helpful if you’re wondering how to save on auto insurance with three vehicles. Generally, the more vehicles are covered under a policy, the greater the discount.
These discounts don’t always apply automatically — you may need to specifically request it from your insurance provider. Additionally, certain terms and conditions apply, and the discount amount will vary depending on the insurance company, the number of vehicles, and other policy specifics.
Consider overall cost, as multi-car discounts are just one factor in insurance rates. State Farm’s lower rates may still save you more overall.Dani Best Licensed Insurance Producer
Insure two or more vehicles under one policy to receive a multi-vehicle auto insurance discount. Beyond that, each insurance provider may have slightly different qualifications for eligibility. The insurance company calculates the rate for the policy based on several factors, including vehicle age, your location, drivers’ ages and driving records, and other considerations.
Some of the most common requirements include having the same address as the other drivers on the policy, having all drivers on the policy being related, having all policyholders’ cars in the same location, or owning all cars covered by the policy.
Again, it’s best to talk directly with your insurance company to determine their requirements for auto insurance for multiple cars. Finally, it would help if you compared the total cost of a multi-car policy to individual policies to ensure it will cost less than individual policies.
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Best Auto Insurance Companies for Multiple Cars
The multi-vehicle auto insurance discount varies depending on the company, but it usually ranges between 10% and 25% off each vehicle’s rate.
Full Coverage Car Insurance Monthly Cost for One or More Vehicles
| Insurance Company | One Car | Two Cars | Three Cars | Four Cars |
|---|---|---|---|---|
| $196 | $218 | $240 | $262 |
| $125 | $199 | $273 | $347 |
| $159 | $181 | $203 | $225 |
| $122 | $173 | $224 | $275 |
| $205 | $230 | $255 | $270 |
| $200 | $222 | $244 | $266 |
| $151 | $173 | $195 | $217 |
| $134 | $246 | $358 | $470 |
| $107 | $151 | $195 | $239 |
| $109 | $155 | $201 | $247 |
There are several options if you’re considering the best auto insurance companies for multiple vehicles.
Take a look at the table below to compare multi-car insurance discounts from top companies such as Geico and State Farm:
Minimum Coverage Insurance Monthly Rates With Multi-Vehicle Discount
| Insurance Company | After Discount |
|---|---|
| $60 |
| $62 |
| $64 |
| $66 |
| $68 |
| $69 |
| $70 |
| $71 |
| $72 |
| $73 |
As you can see, the multi-car discount with Geico offers savings of up to 25%, while the multi-car discount with State Farm gets you up to 20%. On the other hand, the multi-car discount with Progressive only knocks off about 10%.
Also, make sure to consider what you’ll be paying at different auto insurance companies before the discount is applied, such as your rates by driving record.
Not all car insurance companies have the biggest multi-car discounts, so getting car insurance quotes for a multi-car policy is worth finding the best deal, especially when shopping for multi-car insurance policies for families.
Read More:
Benefits of a Multi-Vehicle Auto Insurance Policy
Believe it or not, having a second car does affect auto insurance rates (Learn More: Does a second car affect auto insurance rates?). Having a multiple-car plan offers several benefits besides the fact that it’s often cheaper. First, it reduces the hassle of managing multiple insurance policies, with a single policy covering several vehicles.
Insuring several cars on one policy makes paying premiums easier. Plus, with one policy, you only have a single point of contact, simplifying the claims process.Brandon Frady Licensed Insurance Producer
For each additional vehicle, you will have to provide basic information about the car and who will be driving it. You will have to carry the required liability auto insurance on each car. However, you can choose which of your vehicles you want to add extra auto insurance coverage onto, such as collision or comprehensive insurance.
Another benefit is that a multiple-car plan can give you more flexibility when adding or removing vehicles from the policy. Finally, an auto insurance multi-car discount is convenient if your family has multiple drivers since you can include everyone on one policy rather than requiring separate policies for each driver.
Who You Can Add to a Multi-Car Insurance Policy
Generally, most insurance companies require drivers on multi-car insurance policies to live at the same address. So, for a multiple-car insurance discount, you can usually add the following individuals:
- Spouses or partners
- Roommates or housemates
- Family members, such as children, siblings, or parents
However, each provider has different rules for their multi-car insurance deals.
Read More: When should I add my child to my auto insurance?
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How to Get Accurate Insurance Quotes for Multiple Cars
As we’ve mentioned before, a multi-car insurance discount is just one factor in what rates you’ll pay for auto insurance. We recommend getting auto insurance quotes to see what rates you’ll pay and how much the multi-car insurance discount will save you. To do this, you will need to take the following steps:
- Collect Information: For quotes, make sure you have all the basic information about your cars and drivers.
- Choose Coverages: Decide beforehand what types of auto insurance coverage you want on each car, as this information will offer a more accurate estimate.
- Get Quotes: You can apply for quotes at different auto insurance companies or use a quote comparison tool, which requires you to enter information only once. Compare your quotes from the auto insurance companies to see which offers the best rates for your cars.
Once you have found a car insurance quote or two that you like, make sure to do a quick check on the company’s financial ratings and customer reviews. This will ensure there are no red flags about a company before you sign up for car insurance coverage.
Getting Cheap Auto Insurance With Multi-Vehicle Discounts
If you have more than one vehicle in your household, a multiple-car auto insurance policy might be worth considering. The best multi-vehicle auto insurance discounts save you money, but they can also simplify the claims process and save time managing multiple policies. Read more about how to manage your auto insurance policy.
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However, to get a multiple-car insurance discount, you must insure two or more vehicles, and other eligibility requirements may vary between insurance providers.
As with any insurance decision, remember to compare multi-vehicle insurance policies and providers to ensure you find the best car insurance for multiple vehicles.
By following these tips and considering the benefits outlined here, you can decide whether a multiple-car auto insurance discount is right for you. Enter your ZIP code below to start comparing free multi-vehicle insurance quotes.
Frequently Asked Questions
What is the best multi-car insurance company?
Geico, State Farm, and Nationwide have the best dual car insurance discounts. The multi-car discount with Geico is 25%, while State Farm and Nationwide offer a 20% discount. However, it’s vital to compare quotes to find the cheapest multi-car insurance for you. Learn how to get multiple auto insurance quotes in our article.
How much is car insurance for two cars per month?
Rates vary between insurance companies, but discounts for multiple-vehicle auto insurance typically range from $151 to $230.
Can you choose different coverage types for each car?
You have to carry your state’s required auto insurance coverages on each vehicle, but you can usually choose which optional coverages you want. For example, you may carry comprehensive insurance on one car but not the other, but you will need liability insurance for both cars (Read More: Minimum Auto Insurance Requirements by State).
Do I have to insure all my cars with the same company?
You don’t have to insure all your cars with the same provider. However, you’re more likely to get better rates if you do, as it can qualify you for a multi-car discount. Use our free comparison tool to compare multi-car insurance quotes today to see how much you could save by insuring all your vehicles with one provider.
What is the State Farm multi-car discount?
State Farm offers a multi-car discount of up to 20% when you insure more than one vehicle on the same policy. This can make insuring multiple cars more affordable for households.
How many cars does a family need to be eligible for multi-car insurance?
To be eligible for multiple-car auto insurance, most families only need more than one car to get a discount at companies with the best auto insurance for families. However, it’s best to ask your insurance company for details to be sure.
Can I get multi-car insurance for five cars?
Yes, most auto insurance companies will allow you to insure five cars on a single policy.
Does Allstate do multi-car discounts?
Yes, you can get a multi-car discount with Allstate when you insure more than one vehicle on the same policy.
Is it cheaper to have multiple cars on one policy?
Yes, it is usually cheaper to have multiple cars on one policy compared to buying different policies because most insurance companies offer a multi-vehicle car insurance discount.
Does Progressive have a multi-car discount?
Yes, the Progressive multi-car discount is 12% off of a policy. Read our guide on the best Progressive auto insurance discounts for more saving tips.
How much is Geico’s multi-line discount?
You can save up to 25% on your policy with the Geico multi-car discount.
When should I not insure multiple cars on one policy?
Insuring separately may be preferable for classic or specialty cars or if one driver has a poor record affecting rates.
What is an auto multiple-line discount?
An auto multiple-line discount is a multi-policy discount for customers who purchase a home or renters insurance with their auto insurance (Read More: How to Save Money by Bundling Insurance Policies).
Is car insurance cheaper if you have multiple cars?
Many drivers ask, “Do you get a discount for insuring multiple vehicles?” The answer is yes. Car insurance is usually cheaper when you have multiple vehicles on the same policy. Most insurance companies offer a multi-car discount, so bundling your cars together is a great way to save. If you’re wondering how to save with multi-car insurance, checking with different insurers and comparing rates can help you find the best deal.
How many drivers can be added to multi-car insurance policies?
There isn’t usually a hard limit, but generally, you can only add people who live with you, such as a spouse or a roommate. If the driver doesn’t live with you, you can’t add them to your personal auto insurance policy. However, each provider has different rules. Always compare multi-vehicle car insurance to find the right company for you.
Can roommates get a multi-car discount?
Yes, some companies, like Geico, State Farm, and Progressive, allow roommates to qualify for multi-car discounts as long as they share the same policy and live at the same address. Be sure to check with your provider to confirm their eligibility requirements.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
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.
