Best Car Insurance for Multiple Vehicles (2025)

If you need to insure more than one vehicle, a multi-car policy is likely the cheapest way to do so. Luckily, most car insurance companies offer multi-car policies and provide a discounted rate.

Elephant, GEICO, and State Farm offer some of the best multi-car discounts, according to Insurify research. Elephant policyholders with two or more insured cars can save up to 39% on coverage.

Here’s how to compare quotes and find the best multi-car policy for you.

Best multi-car insurance companies

When you’re looking for a new auto policy, it’s always a good idea to compare quotes and coverage options from multiple insurance companies. Learn more about a few of the best insurers for multi-car coverage below.

GEICO: Best insurance company for discount options

discount options

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User Reviews	4.0 5,847 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.0 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$54/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$118/mo

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Driver Reviews

4.0

Best choiceBased on 10,626 verified guest reviews and ratings

▲	GEICO's score ▲▼	Industry average ▲▼
Coverage options	4	3.2
Customer service	3.9	3.6
Discounts	3.8	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (5,847)

Wynn

January 20, 2025

Verified Review

What More Can I Say

They have done pretty well for me.

Wynn

January 20, 2025

Verified Review

Long-time Customer with GEICO

They have done pretty well for me.

Zenell

January 17, 2025

Verified Review

Overpriced for Certain Car Brands

If you own a Kia or Hyundai car, be prepared to pay a hefty amount. Despite having no tickets or accidents, the pricing is still unreasonable. Insurance companies should reconsider their pricing strategies.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO offers a sizable multi-vehicle discount of up to 25% for customers who insure two or more vehicles. The company stands out for offering more than 15 auto insurance discounts, including airbag, anti-theft system, good driver, emergency deployment, and multi-policy discounts. GEICO also has affordable average premiums well below the national average cost.

Pros

• Good rates for good drivers, seniors, and young drivers

• Accident forgiveness available

• A+ (Superior) financial strength rating from AM Best

Cons

• High rates for drivers with certain violations, like DUIs

• No rideshare or new car replacement coverage available

• Lower customer satisfaction scores from J.D. Power

State Farm: Best insurance company for cheap coverage

cheap coverage

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User Reviews	4.2 5,202 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$54/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$119/mo

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Driver Reviews

4.2

Best choiceBased on 9,450 verified guest reviews and ratings

▲	State Farm's score ▲▼	Industry average ▲▼
Coverage options	4.2	3.2
Customer service	4.1	3.6
Discounts	4	2.9
Policy transparency	4	3.1
Value	4	2.9

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,202)

Rayford

January 20, 2025

Verified Review

Great Agent

They are better than the other ones that I have had. Every State Farm agent is different, and this agent and his staff are great.

Barbara

January 20, 2025

Verified Review

Super Sweet

My experience with State Farm has been awesome.

Sari

January 20, 2025

Verified Review

Struggling to find affordable auto insurance

I've tried pretty much everything, but auto insurance is just too expensive.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Of the companies with multi-car discounts, State Farm offers the cheapest average car insurance premiums. You can earn a multi-car discount of up to 20% for insuring two or more cars with State Farm. The company doesn’t offer as many discounts as some competitors, but it does have standard savings opportunities for good drivers, vehicle safety, driver training, good students, and more.

Pros

• High rates of customer satisfaction

• Rideshare insurance available

• Savings for bundling auto with home, renters, condo, or life insurance

Cons

• No gap insurance offering

• May not be the cheapest choice for drivers with violations

• Accident forgiveness limited to longtime customers with clean driving records

Elephant: Best insurance company for biggest multi-car discount

biggest multi-car discount

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User Reviews	3.6 61 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$130/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$201/mo

Show Details

Driver Reviews

3.6

A solid optionBased on 111 verified guest reviews and ratings

▲	Elephant's score ▲▼	Industry average ▲▼
Coverage options	3.6	3.2
Customer service	3.4	3.6
Discounts	3.3	2.9
Policy transparency	3.5	3.1
Value	3.2	2.9

How drivers feel about Elephant

Drivers appreciate the good service, low initial rates, and responsive claims handling but dislike the frequent and unexplained rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Optional coverages

Good drivers

Numerous discounts

How drivers feel about Elephant

Drivers appreciate the good service, low initial rates, and responsive claims handling but dislike the frequent and unexplained rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Optional coverages

Good drivers

Numerous discounts

Reviews (61)

Melissa

January 7, 2025

Verified Review

Poor

They double your rates after you have already signed with them.

Roseann

December 12, 2024

Verified Purchase

The Right Choice

They offer good rates and have friendly customer support.

Deborah

November 24, 2024

Verified Review

Not Worth the Price

Too expensive for what you get.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.77

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Elephant has the biggest multi-car discount, up to 39%, based on Insurify research. The company advertises that policyholders can save up to 40% from discounts total. Some savings offerings from Elephant include multi-car, early bird, multi-policy, claims-free, student, and pay-in-full discounts.

Pros

• Great discounts

• Unique coverage options, such as pet injury and legal coverage

• Offers a diminishing deductible for accident-free drivers

Cons

• Available in only eight states

• Not rated by AM Best for financial stability

• Not rated by J.D. Power for customer satisfaction

How multi-vehicle car insurance policies work

Multi-car policies work just like single-car policies: You decide on coverage types and coverage limits for the cars you want to insure. Then, your insurance company will cover damages and injuries for claims for all cars you insure with the policy, up to the policy limits.

To get a quote, you just need to provide:

• The makes and models of each car on your policy and possibly their vehicle identification numbers (VINs)

• The types of coverage and coverage limits you need

• Information for each driver on your policy, including driver’s license numbers and dates of birth

To qualify for a multi-car policy, you need to have your cars registered at the same address. Depending on the insurer, the cars may also need to belong to the same person. Insurers may limit the maximum number of vehicles allowed on a single policy — usually five or fewer. You can insure each of these vehicles at different comprehensive and collision coverage levels, too, but liability limits are usually the same across all vehicles.

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Can vehicles have different insurance coverage options?

If multiple vehicles are on the same policy, they can’t have different coverage options. Generally, liability and other state-mandated coverages have to be the same across all vehicles on one policy. But you can have different comprehensive and collision coverage options for the different vehicles on your policy.

Can multi-car insurance policies cover multiple drivers?

While it varies by company, you can typically have multiple people insured under a multi-car policy. Similar to having multiple drivers on a car insurance policy, you can add your partner, driving-eligible children, or another family member to your coverage.

For example, if your teenager uses multiple family cars, you can add them as a named driver on the policies. This may increase your premium, but it would be cheaper than buying your teen their own policy.

An example of when this wouldn’t be necessary is if someone already has their own insurance. If your parents are visiting and want to drive your cars, they don’t need to be named on your policy if they already have insurance.

Some insurers limit the amount of named drivers on your policy or have stipulations like sharing a primary address, so it’s important to talk to an agent before adding another person.

Cheapest car insurance companies for drivers with multiple vehicles

USAA has the cheapest average liability-only premium for two-car policies, at $78 per month, but the company only sells coverage to eligible military members and their families. State Farm has the cheapest average premium for coverage available to all drivers, with an average monthly premium of $90.

Compare average liability quotes for two-car policies below.

Multi-car insurance discounts by company

The easiest way to save money while insuring more than one vehicle is by using a multi-car or multi-vehicle discount. Keep in mind that some companies don’t offer a multi-car discount, so review the policies of various insurance companies before purchasing a policy.

In the table below, you’ll find discounts for purchasing a multi-vehicle policy from various top insurance companies.

Other discounts to take advantage of

Remember that you’ll also have access to discounts beyond the multi-car discount. You should try to get all the discounts you qualify for — the more discounts you get, the less you’ll pay for coverage.^[1] Here are a few to look for:

• 

  Multi-policy (bundling)

  If you purchase another policy — like homeowners, renters, umbrella, or life insurance — with your auto insurance, your insurer will likely apply a discount for both.

• 

  Good driver

  Drivers with no at-fault accidents or moving violations in the past three to five years typically get a good driver discount to lower their premiums.

• 

  Defensive driving course

  Some insurers apply discounts for drivers who complete an approved driver education course.

• 

  New car

  Not many insurers offer discounts for people who drive new cars, but you may be eligible for a new-car discount if you’re the vehicle’s first owner and it’s a newer model year. The requirements vary by insurer, so it’s a good idea to call an agent and ask about the details.

• 

  Car safety features

  If your vehicle has standard safety features, like anti-lock brakes, airbags, and daytime running lights, you could qualify for a discount.

• 

  Students

  Many insurers offer students and young drivers a discount on their car insurance policy if they earn good grades and submit their transcripts to the company. College students may also be eligible for a student-away-at-school discount if they attend a college that’s a certain number of miles away from home.

• 

  Anti-theft devices

  Car theft deterrents include automatically locking doors, steering wheel locks, brake locks, and after-market kill switches. These types of devices for your car can reduce your insurance premiums.^[2]

• 

  Military, employer, or affiliation

  If you’re in the military, work as a teacher, or are an alumnus of eligible universities, you may be able to get car insurance discounts with certain insurers.

Benefits of insuring multiple vehicles on one policy

When you have several cars to insure, it’s almost always worth buying a multi-car policy. They usually offer the lowest cost while also making it easier for you to manage your policy.

• One payment: Multi-car insurance allows you to manage all your different policies in just one place, simplifying the process.

• Shared deductible: If a single accident damages more than one of your cars, you’ll only have to pay one deductible, saving you time and money.

• Insurance stacking: Some states allow drivers to stack uninsured and underinsured motorist coverage limits in the event of a claim. If you have uninsured motorist limits of $50,000 per person and $150,000 per accident on two vehicles, you can stack those limits to double the amounts to $100,000 per person and $300,000 per accident.

• Significant discount: Multi-car discounts are one of the best car insurance discounts available, with some companies providing up to 39% off your total policy cost. Some companies might call this discount a loyalty discount.

When you shouldn’t insure multiple vehicles on one policy

While taking advantage of a multi-car policy almost always saves you money over time, it may not make sense for every household to insure multiple vehicles on one policy. Here’s when you may consider insuring your vehicles under different policies:

• You have a classic or vintage car. Classic cars require special coverage that may have different requirements, such as where to store it, how often you can drive it, and an agreed-upon value, that your current insurance company can’t meet. You may want to buy an auto policy from a company that specializes in insuring classic cars in this case.

• Someone in your household has a poor driving record. Insurance companies consider the vehicle’s primary driver’s record when setting premiums. If another driver in your household has a poor driving record, their past mistakes on the road can increase your rates.

• Your child doesn’t live with you anymore. When your child is at school, they can stay on your auto policy as long as their primary address is the same as yours. But after graduation and moving into their own place, your child needs their own auto insurance policy.

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How coverage works for a multi-car insurance policy

When you buy multi-car insurance, you can customize coverages for each car on the policy. Here are the coverage options auto insurers typically offer:

• 

  Liability

  This covers damages and injuries you cause to other parties in an accident, up to the policy limits. Most states require every driver to purchase liability insurance to legally drive.

• 

  Comprehensive

  Usually part of a full-coverage policy, comprehensive insurance provides coverage for vehicle damages in non-collision events. This coverage includes damages from severe weather, falling objects, theft, and vandalism.

• 

  Collision

  While liability insurance covers damages and injuries to other parties in an accident you cause, collision insurance covers your vehicle’s damages from an accident, no matter who caused it. This also includes single-car accidents and hitting stationary objects, such as a tree, fence, or light pole. Collision insurance also covers rollover accidents.

• 

  Uninsured/underinsured motorist

  Some states require this coverage, and it kicks in when someone without insurance — or without enough insurance to pay for damages and injuries — causes an accident. UM/UIM coverage can also pay in case of a hit-and-run or pedestrian accident.

• 

  Personal injury protection (PIP)

  Also a requirement in no-fault states, PIP provides coverage for your passengers’ injuries and lost wages after an accident, regardless of who caused it.

• 

  Medical payments (MedPay)

  Another insurance requirement in some states, MedPay is similar to PIP in that it provides coverage for your and your passengers’ injuries after an accident, even if you caused it.

Factors that affect the cost of multi-car insurance

The national average cost for a two-car policy is $177 per month for liability coverage and $362 for full coverage, according to Insurify’s proprietary data. But the exact rate you’ll pay depends on a number of factors, including:^[3]

• Where you live: Areas with heavy traffic typically have higher insurance rates.

• The cars you drive: Newer or more expensive cars usually cost more to insure.

• The types of coverage you carry: Liability coverage (bodily injury and property damage), collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) are among the most common types.

• Your coverage limits: The higher your coverage limits, the more you’ll pay.

• The number of drivers on your policy: The more people you insure, the more expensive your policy.

• Driving history: Drivers with clean driving records typically pay less than people with at-fault accidents, speeding tickets, or DUIs.

• Your credit history: Drivers with good credit usually pay less than drivers with bad credit.

Car insurance for multiple vehicles FAQs