120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
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 45% on coverage.
Here’s how to compare car insurance quotes and find the best multi-car policy for you.
The average cost for a two-car liability policy is $177 per month.
USAA and State Farm are the cheapest insurers for two-car liability insurance policies, with respective averages of $78 and $90 per month.
With a multi-car policy, you can have all your policy details for each car in one place.
When you’re looking for a new auto policy, comparing quotes and coverage options from three to five insurance companies can help you find the best policy for your needs. Learn more about a few of the best insurers for multi-car coverage below.
Insurance Company  | Multi-Car Discount | Best For | Notable Perk |
|---|---|---|---|
| GEICO | Up to 25% | Discount options | Offers accident forgiveness |
| State Farm | Up to 20% | Cheap coverage | High customer satisfaction |
| Elephant | Up to 45% | Biggest multi-car discount | Unique coverage options |
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $80/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. | $148/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
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.
| User Reviews | 4.0 |
|---|---|
| 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. | $53/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. | $108/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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.
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
| User Reviews | 4.0 |
|---|---|
| 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. | 8.6 /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. | $107/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. | $172/mo |
Elephant's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.3 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.
Elephant has the biggest multi-car discount — up to 45% for insuring all your household vehicles on the same policy. Some additional savings offerings from Elephant include multi-car, early bird, multi-policy, claims-free, student, and pay-in-full discounts.
Substantial multi-car discount
Unique coverage options, such as pet injury and legal coverage
Offers a diminishing deductible for accident-free drivers
Available in only eight states
Not rated by AM Best for financial stability
Not rated by J.D. Power for customer satisfaction
Our editorial team analyzed auto insurance companies that sell multi-car policies to assess which offer the best rates, coverage options, customer service, and savings. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Multi-car insurance is usually cheaper than buying numerous separate policies because many insurers offer discounts for insuring more than one vehicle on a single policy. Most drivers can save between 10% and 25% on a multi-car policy. But your savings will depend on factors such as your location, the types of cars you drive, and the insurance company you choose.
In the table below, you can see how much you might pay for two separate policies versus a single policy with multiple vehicles on the same policy.
Scenario | Annual Premium |
|---|---|
| Two separate policies: Policy 1 ($98) + Policy 2 ($98) | $2,352 |
| Multi-car policy ($125) | $1,500 |
| Total savings | $852 (36%) |
USAA has the cheapest average liability-only premium for two-car policies, at $78 per month, but the company sells coverage only 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.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $65 |
| State Farm | $68 |
| Allstate | $92 |
| American Family | $101 |
| GEICO | $102 |
| The General | $108 |
| Nationwide | $119 |
| Travelers | $123 |
| Farmers | $134 |
| Liberty Mutual | $167 |
| The Hartford | $176 |
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
How you intend to use the vehicles, including annual mileage
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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Liability insurance and other state-mandated coverages must be the same across all vehicles on one policy in order to meet your state’s minimum requirements. But you can have different comprehensive and collision coverage amounts for different vehicles on the same policy.
For example, maybe one person on the policy works from home and doesn’t drive much. It may make sense to have just liability insurance on that person’s vehicle. But if you have a teen or young driver or have a long commute to work, you may want a full-coverage policy with higher comprehensive or collision limits to better protect yourself financially.
Multi-car insurance policies can typically cover multiple drivers. 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 number 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.
*Quotes generated for Insurify users within the last 10 days. Last updated on May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on May 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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.
Insurance Company | Multi-Car Discount | 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. |
|---|---|---|
| Elephant | Up to 45% | 8.6 |
| Infinity | Up to 38% | N/A |
| Amica | Up to 25% | 8.6 |
| Direct Auto | Up to 25% | 8.3 |
| GEICO | Up to 25% | 9.2 |
| State Farm | Up to 20% | 9.3 |
| Progressive | Average of 12% | 8.7 |
| Foremost | Ask an agent | 7.4 |
| Liberty Mutual | Ask an agent | 8.4 |
| Nationwide | Ask an agent | 9.0 |
| The General | Ask an agent | 7.1 |
| Travelers | Ask an agent | 8.5 |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
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:
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.
People 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.
Some insurers apply discounts for drivers who complete an approved driver education course.
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.
If your vehicle has standard safety features, like anti-lock brakes, airbags, and daytime running lights, you could qualify for a discount.
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.
Car theft deterrents include automatically locking doors, steering wheel locks, brake locks, and aftermarket kill switches. These types of devices for your car can reduce your insurance premiums.[2]
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.
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: Manage all your policies in one place and simplify 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 45% off your total policy cost. Some companies might call this discount a loyalty discount.
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 is a high-risk driver. Insurance companies consider the vehicle’s primary driver’s record when setting premiums. If another driver in your household has a poor driving record, it 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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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:
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.
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.
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.
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.
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.
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.
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 and high vehicle crime statistics 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.
Buying multi-car insurance is slightly different than insuring just one car. Follow these steps to purchase a multi-car policy:
Add multiple vehicles to one policy. List all the vehicles in your household that you want to insure on the policy.
Assign drivers. Include information for all the drivers you want covered under the policy, including their ages and dates of birth.
Choose shared or separate coverages. All vehicles on the policy will need to meet your state’s minimum-coverage requirements. But you can add separate coverages for each vehicle to meet your family’s needs.
Apply discounts. Your insurer should automatically apply a multi-car discount when you sign up for a policy. But make sure you’re getting all other discounts you’re eligible for to see the most savings.
If you’re shopping for a multi-vehicle insurance policy, this additional information may help as you’re researching different companies.
Most auto insurance companies have a limit of five cars per policy, meaning you can insure up to five vehicles on a single multi-car policy. But every insurance company has its own rules and policies. Some allow more vehicles per policy, and some allow fewer.
Based on the specific discount, Elephant is the best car insurance company for insuring multiple vehicles. You can save up to 45% on coverage with Elephant. But companies with higher IQ Scores that have good multi-car discounts include GEICO and State Farm. Drivers can save up to 25% with GEICO and up to 20% with State Farm.
In most cases, yes. It’s often cheaper to insure multiple vehicles under one policy since many insurance companies offer a multi-car discount. For example, the average cost of liability-only insurance in the U.S. is $170 per month, so insuring two cars with separate policies at this rate would be $340 per month. But with a 25% multi-car discount, the rate for insuring two cars drops to $255 per month, saving drivers around $1,020 annually.
Stacked insurance limits refer to combining the limits from multiple policies. Typically, this applies only to uninsured/underinsured motorist (UM/UIM) coverage. For example, if you have two cars in your multi-car policy, and each car has $20,000 in UM/UIM coverage, you could stack the two policies to get a total of $40,000 in coverage.
The ability to stack limits varies by state and insurer, so check your local laws or ask an agent to learn more. Only some states allow this practice.
You can sometimes list a roommate’s car on your multi-car insurance policy, but it depends on your insurance company. Before you add a roommate to your policy, keep in mind that if they have a poor driving record, it could cause your premiums to increase. And if you or your roommate moves out, they won’t be able to stay on your multi-car policy because you’d no longer be living at the same address.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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