Which car insurance companies have the biggest multi-car discounts in 2025? (Find Savings Here)
The car insurance companies that have the biggest multi-car discounts are Geico, State Farm, and Nationwide. However, Geico's discount is the largest overall, topping 25%. Below, we'll compare savings from the best multi-car insurance companies to help you find cheap car insurance for multiple cars.
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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: Jan 14, 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: Jan 14, 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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Are you wondering which car insurance companies have the biggest multi-car discounts? Geico, Nationwide, and State Farm offer discounts ranging from 20% to 25%.
You can get cheap auto insurance with a multi-car insurance discount from various companies if you insure several cars. The amount you’ll save depends on the company, but some offer larger auto insurance discounts for multi-car insurance than others.
Keep reading to discover how to get a multi-vehicle auto insurance discount. We’ll also explore the best auto insurance companies with multi-car discounts and overview how to get cheap multi-car insurance.
Start your cheap multi-car insurance comparison by entering your ZIP code into our free quote tool to find cheap multi-car policy insurance quotes from the top providers.
- Geico, Nationwide, and State Farm have the best multi-car insurance deals
- Save anywhere from 15% to 25% with a multi-car insurance discount
- Consider overall rates, too, since a big discount doesn’t always mean cheap rates
Auto Insurance Companies With Cheap Multi-Car Insurance Costs
Geico, Nationwide, and State Farm are the cheapest multi-car insurance providers, with multi-car discounts ranging from 20% to 25%. However, you should also check out multi-car insurance reviews to ensure these companies are right for you.
Read More:
Several different companies offer a multi-car insurance discount to customers who insure more than one car at the same company, making it easier for multi-car policyholders to find cheap car insurance.
Below, you can take a look at companies that offer discounts and the average percentage offered to see which companies offer the best multi-car insurance discounts:
Multi-Car Insurance Discounts by Provider
| Insurance Company | Savings |
|---|---|
 | 15% |
 | 15% |
 | 15% |
 | 25% |
 | 20% |
 | 12% |
 | 15% |
 | 15% |
 | 20% |
 | 15% |
It’s important to note that some discounts are only up to a certain percentage, which can affect your overall multi-car insurance cost. So, while you could save up to 25% with a multi-car insurance discount at Geico, you could also save less. In addition, discounts usually don’t apply to all of your auto insurance coverages, so always make sure to read the fine print.
You should also consider the overall company and other cost factors, as a multi-car discount is just one of many variables that affect auto insurance rates. For example, State Farm generally offers lower rates, so even if the State Farm multi-car discount is smaller compared to other companies, you might still save more overall.Dani Best Licensed Insurance Producer
If a company has high monthly rates, a 20% discount may not save you as much money as a 10% discount from a cheaper company. Companies with lower multi-car discounts may also offer different discounts to help you find additional savings on your policy, making them as cost-effective as companies with high multi-car insurance discounts.
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How Multi-Car Insurance Policies Work
The process of insuring more than one car is the same as just insuring one car. 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.
Take a look at the table below to see which coverage applies to every car on your multi-car insurance policy and which you can usually pick and choose for your different vehicles.
Multi-Car Insurance Discount Coverage Across Vehicles
| Coverage Shared Across Vehicles | Coverage Set Per Vehicle |
|---|---|
| Liability insurance | Collision insurance |
| Uninsured/underinsured motorist protection | Comprehensive insurance |
| Personal injury protection (PIP) | Roadside assistance |
| Medical Payments coverage (MedPay) | Rental reimbursement |
If you have a 15-year-old car and a two-year-old car, you can carry basic liability insurance on the older car and a full coverage policy on your two-year-old car.
Having all your cars insured by the same company offers benefits besides a multi-car policy discount. It also makes it easier to manage all your coverages in one place, handle payments, and file claims. On the other hand, if you have multiple insurance companies for your cars, it can be stressful to remember the information for each car and handle payments.
Who You Can Add to a Multi-Car Policy for Car Insurance
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 (Read More: When should I add my child to my auto insurance?)
However, each provider has different rules for their multi-car insurance deals.
How to Get Accurate Multi-Car Insurance Quotes
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 your information. For quotes, make sure you have all the basic information about your cars and drivers.
- Choose your coverages. Decide beforehand what types of auto insurance coverage you want on each car, as this information will offer a more accurate estimate.
- Get your 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. 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.
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Insuring Multiple Cars on a Single Policy
Companies will allow more than one car on your insurance policy, usually at least four or five vehicles. Geico is one of the few companies that allow customers to insure a higher number of vehicles. You should check out Geico if you need multi-car insurance for up to five cars.
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However, how many cars you can insure on one policy ultimately depends on the insurance laws in your state and which insurer you shop with. Not all companies will allow you to insure more than four vehicles without purchasing fleet or commercial auto insurance.
When You Shouldn’t Insure Multiple Cars on One Policy
Insuring multiple cars on the same insurance policy isn’t always the best option for every driver. Some of the reasons drivers may choose to insure cars at different companies include the following:
- One of the cars is a classic or specialty car.
- One driver has a poor driving record, which will increase the rates for all the cars.
If you are unsure whether you should insure all your cars at the same insurance company, getting quotes and considering what coverages you need will help you narrow your options.
Read More: Does my car qualify for classic auto insurance?
Finding Companies With the Biggest Multi-Car Discounts
Geico, Nationwide, and State Farm are the best multi-car insurance policy providers. Geico’s multi-car discount can save you up to 25%, whereas State Farm and Nationwide offer a 20% multi-vehicle discount.
Multi-car insurance discounts can be a great way to save on car insurance if you have to insure more than one car. The amount you’ll save depends on the multi-car insurance company, but most auto insurance companies offer savings for policies on more than one car. Read more about the best auto insurance companies for multi-vehicle households.
The best way to see if a company’s multi-car insurance discount is worth it is to get multi-car insurance quotes for your cars. Enter your ZIP code to get started on your multi-car car insurance comparison and find the best multi-car insurance companies in your area offering the cheapest rates.
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Frequently Asked Questions
Who has the best car insurance for multiple cars?
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 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.
Are multi-car insurance discounts worth it?
Yes, multi-car insurance deals can lead to significant savings but always compare quotes to determine the best option.
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.
Is it cheaper to have multiple cars on one policy?
Yes, including all vehicles on one policy is generally cheaper to qualify for multi-car discounts. Overall, Geico is the best multi-car insurance provider, offering the biggest discount of 25%.
However, if one household member has a bad driving record, it might be cheaper for them to get coverage elsewhere. For more information, see our guide on cheap auto insurance for a bad driving record.
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.
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.
How many cars can I have on an insurance policy?
Most companies allow at least four or five cars on a policy, with Geico offering more flexibility.
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).
How much does a multi-car discount save?
The savings from a multi-car discount vary depending on the insurance company. For example, Geico offers up to a 25% discount, while State Farm and Nationwide provide up to 20%. Comparing quotes ensures you find the biggest savings for your situation.
How much is Geico’s multi-line discount?
Geico’s multi-line discount allows you to save by bundling your auto insurance with another type of coverage, like homeowners or renters insurance. The exact savings depend on your policies and coverage levels, but multi-policy discounts can add up quickly.
How many cars do you need for a multi-car discount?
Most insurance companies require at least two vehicles to qualify for a multi-car discount. Some providers, like Geico and State Farm, allow up to four or five cars on the same policy, offering additional flexibility for larger households.
How much is the multi-car discount at Progressive?
Progressive offers a 12% discount for insuring multiple vehicles on the same policy. While the percentage is lower than Geico’s, Progressive might still offer lower overall rates based on your driving history and coverage needs (Read More: Progressive Auto Insurance Review).
Is there a discount for multiple policies at MetLife?
MetLife does offer discounts if you bundle your auto insurance with other policies, like home or renters insurance. While the savings can vary, bundling is often a good way to lower your overall premiums. It’s worth checking with MetLife directly to see how much you could save based on your specific policies.
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.
Read More: Where can I compare online auto insurance companies?
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.