policy by logging into your provider’s online portal or mobile app or speaking to an insurance agent. Purchasing a multi-car insurance policy can reduce your insurance premiums by 10–25%.

Contact your provider to add a car to your policy

Adding a new car to an existing policy is even easier than

shopping for auto insurance

. In some cases, all you have to do is log into your provider’s website or mobile app—although the requirements can vary by provider.

Here are a few options for how to add a car to your policy:

By mail

By phone

In-person at your local insurance agent’s office

Online through your provider’s web portal

Via mobile app

Don’t forget to grab your new car’s year, make, model, and Vehicle Identification Number (VIN), plus your policy number.

If you’re financing or leasing a new car, your lender will likely require you to carry
full coverage insurance
with
comprehensive
and
collision coverage
(plus
gap insurance
).

Learn more:

How to get car insurance before buying a car

Grace periods automatically provide coverage

Most major auto insurance companies offer a

new car insurance grace period

that automatically covers new purchases for a short amount of time. You’ll still need to contact your provider and update your current policy within 7-30 days, but in the meantime, you won’t have to rush or worry about car insurance coverage.

Here are the grace periods offered by a few major auto insurance providers, along with their average cost of minimum liability and full coverage policies:

Insurance company	Grace period	Minimum liability	Full coverage
AAA	14–30 days	$105	$215
Allstate	7–30 days	$85	$198
GEICO	Up to 30 days	$127	$176
National General	Up to 30 days	$93	$211
Nationwide	1–14 days	$61	$155
Progressive	7–30 days	$79	$178
Travelers	Not specified	$59	$141

Note that these grace periods may vary depending on the regulations in your state. To avoid a lapse in coverage, contact your insurance agent to verify your grace period—but to be safe, it’s best to always add a new vehicle to your policy as soon as possible.

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Multi-car discounts can save you 25% on your policy

Just like an

auto and homeowners insurance bundle

, a multi-car bundling discount helps you save on two insurance products at once. At 10–25%, it’s one of

the best car insurance discounts

you can get.

Adding a second car to your insurance policy will increase your monthly insurance payments to an average of $220—or $110 for each car. Compared to the national average of $121 a month, a two-car insurance policy costs 9% less per car.

Our experts analyzed thousands of policies purchased by Jerry users to determine what various carriers charge for multi-car policies, and they found that the more cars you add to your insurance plan, the more you’ll save per vehicle. On average, here’s what different car insurance providers charge based on how many cars you’re insuring:

Provider	Single car policy	Two-car policy	Three-car policy	Four-car policy
AAA	$184	$206	$239	$258
Allstate	$152	$173	$201	$223
Bristol West	$295	$335	$379	$409
Clearcover	$107	$131	$157	$175
Founders	$137	$149	$157	$180
Gainsco	$195	$218	$253	$276
National General	$181	$205	$231	$251
Nationwide	$119	$144	$173	$192
Progressive	$147	$166	$188	$208
State Auto	$126	$148	$175	$195
Travelers	$106	$129	$153	$168

Multi-vehicle car insurance pros and cons

While multi-car insurance tends to be cheaper, it has several downsides. For example, most insurance providers limit the number of vehicles on a policy to four or five. And if you don’t want every car to share the same

type of insurance coverage

and coverage limits, you may need to buy

multiple separate policies

The benefits and downsides of a multi-vehicle insurance policy include:

Multi-car discount available at most providers

One insurance policy,

proof of insurance

card, and payment due date to manage

One deductible to manage

Coverage may be limited to four or fewer cars per policy

Coverage may not be customizable per vehicle

Payment is due in a single large installment

Shopping for a multi-car policy doesn’t mean missing out on

cheap car insurance

rates. You can compare

multi-car insurance quotes online

as easily as regular

auto insurance quotes

to find the best deal in your area.

The

Jerry

app requests free quotes from over 55 of the nation’s top providers. You can even customize the number of vehicles, coverage options, and limits you’re looking for so you never have to wonder if you’re saving money.

Are you overpaying for your car insurance?

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FAQ

Is there a grace period to add a new car to your insurance policy?

Most auto insurance providers offer a

new car insurance grace period

that automatically extends coverage to newly purchased vehicles for 7-30 days.

Is it cheaper to have two cars on the same car insurance policy?

On average, policyholders with a two-car insurance policy pa $110 per car each month, about 9% less than the national average for a single-car insurance policy.

Is it cheaper to add a car to an existing insurance policy?

Adding a new vehicle to your current insurance policy can help you save 10–25% on each car.

How long do you have to add a new car to your insurance policy with Progressive?

Progressive

provides existing customers with a new car insurance grace period of up to 30 days.

Meet our experts

Jasmine Kanter

Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.

Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.

Amy Bobinger

Licensed Insurance Agent — Expert Insurance Editor

Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.

Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.