for multiple vehicles at once, you may be able to save by purchasing a multi-car insurance policy, especially if your provider offers a multi-car discount. You can contact your provider directly to get a quote for multiple vehicles, or you can use

Jerry

to get several multi-car insurance quotes at once.

How to get a multi-car insurance quote

The process for getting a multi-car insurance quote is essentially the same as getting quotes for a single vehicle. Here’s the step-by-step process:

Gather your personal information. This will include personal information about all drivers on the policy (such as their names, dates of birth, Social Security numbers, and driver's license numbers) and information about each of the vehicles you’ll be insuring (including their make, model, and vehicle identification number).

Collect quotes from three or more providers. You can opt to collect insurance quotes from each provider yourself, but it’s much easier—and faster—to use

Jerry

, your independent insurance broker inside a mobile app. Download Jerry and input your information to get multi-car quotes from a pool of over 55 top providers in a matter of minutes.

Check for discounts. You’ll be able to get a multi-vehicle discount of 10% to 25% from most insurance providers, but your exact savings will vary from one provider to the next. Also, you might qualify for additional discounts for things like good driving behavior, telematics programs, and even good grades.

Compare quotes. Once you have quotes from several providers, compare rates to see which insurance provider is offering you the best deal.

The more quotes you compare, the better chance you’ll have of finding the best rate.

Comparing rates is the best way to save on car insurance

Jerry checks for quotes from over 55 providers in just minutes

Shop now

No spam or unwanted phone calls · No long forms

No spam or unwanted phone calls · No long forms · No fees

4.717k Ratings

5M+Drivers Joined

7M+Cars Garaged

Which insurance providers offer multi-car insurance discounts?

Many car insurance providers offer auto insurance discounts for adding multiple cars to the same policy, but some insurance providers offer bigger discounts than others. Some of the highest multi-vehicle discounts come from the following providers:

Insurance provider	Multi-car insurance discount
GEICO	Up to 25%
Direct Auto	Up to 25%
State Farm	Up to 20%
Progressive	12% on average

Some car insurance companies, like

Nationwide

Allstate

, and

Liberty Mutual

, offer multi-car discount options but don’t specify how much you can save with their discounts. You’ll need to get a quote from these insurance providers to learn more about your potential savings. You can also use

Jerry

’s discount tool to compare rates and discounts.

Remember, while one company might offer you the best multi-vehicle discount, you might still find cheaper rates, better add-ons, or better discount options with a different provider. That’s why it’s important to get quotes from at least three different providers before settling on an insurance policy.

Can you add a second car to an existing insurance policy instead?

If you like your current car insurance provider, you might opt to

add a new car to your existing policy

rather than shopping for a new one. You can usually add a new car right in your insurance app, although some providers may require you to call and speak to an agent. Your provider might ask for information like:

The VIN of the new vehicle

The registered owner's information

The amount of collision and comprehensive coverage you want

The vehicle’s current mileage

Leasing information, if applicable

Adding a second car to your current policy will increase your rates to an average of around $220 a month, which works out to be an average of around $110 a month for each car. The national average for car insurance is around $121 a month for a single car, so with a two-car policy, you can save an average of around 9% per vehicle by combining them into a single policy.

To better illustrate the rates you can expect for adding a vehicle, here’s how much drivers pay on average each month for their policy based on their insurance provider and the number of cars on their policy:

Insurance provider	One car	Two cars	Three cars	Four cars
AAA	$210	$233	$269	$291
Allstate	$185	$214	$252	$280
Bristol West	$322	$374	$427	$462
Clearcover	$125	$150	$180	$203
Gainsco	$172	$191	$220	$236
MAPFRE	$168	$179	$211	$229
National General	$178	$209	$236	$258
Nationwide	$147	$166	$199	$220
Progressive	$163	$189	$215	$237
Safe Auto	$172	$188	$209	$263
State Auto	$154	$178	$213	$239
Travelers	$129	$156	$190	$213

Are you paying too much for a multi-car policy?

Compare rates with Jerry to see if you can save today

Shop now

No spam or unwanted phone calls · No long forms

No spam or unwanted phone calls · No long forms · No fees

4.717k Ratings

5M+Drivers Joined

7M+Cars Garaged

How does multi-car insurance work?

Multi-car insurance policy is the term for an insurance policy that includes more than one vehicle. This type of coverage is often convenient for families and roommates, but anyone with more than a single vehicle has the potential for savings with a multi-car discount.

Does coverage need to be the same on all vehicles covered by a multi-car policy?

Some of the coverage you purchase will need to be the same across your insurance policy. You’ll be required to set the same coverage limits for your

liability insurance

(that is, your

bodily injury liability

and

property damage liability coverage

) and your

uninsured/underinsured motorist coverage

(UM/UIM). These types of insurance are always set at a policy level.

However, you can choose to set different limits for each vehicle when it comes to

collision coverage

and

comprehensive coverage

. This may make sense if one of your cars is older and doesn’t need as much (or any) collision and comprehensive insurance as your newer vehicles.

How many cars can you insure on one policy?

Different insurance companies will set different vehicle limits for multi-car insurance, but usually, you won’t be able to insure more than four or five cars on a single policy. If you’re looking to add a fifth or sixth car to your insurance, check to ensure that you won’t meet your provider’s limits and, therefore, require multiple policies for your vehicles.

How many drivers can be listed on a multi-car policy?

Depending on your provider, you’ll typically be able to list four to five drivers on your multi-car insurance policy. This includes you (the policyholder) and any family members or roommates who live at the same address and plan to drive one of the vehicles you’re insuring.

The benefits of a multi-car policy

Still not sure if a multi-car policy is right for you? Here are a few reasons other drivers love this style of insurance coverage.

Cheaper insurance coverage

Carrying multiple policies for single cars can cost about 9% more than insuring multiple cars under one policy. Depending on how many vehicles you own and how many drivers you’ll be adding to your policy, you could save thousands of dollars in car insurance costs by choosing a multi-car policy.

A single deductible

A single deductible may not sound like a big benefit, but if you need to

file a claim

that involves two cars, it can save you a lot of time—and a lot of money, too.

Say you have a terrible hail storm overnight and wake up in the morning to find damage to both of the vehicles on your multi-car policy. If the cars were on separate policies, you’d need to pay the

deductible

for each of them (often $500 each). If you had a multi-car policy, however, you’d only need to pay one deductible before your comprehensive coverage kicked in.

Insurance stacking

refers to the ability to combine UM/UIM coverage limits for multiple vehicles into a single claim. It’s a great benefit of multi-car insurance since it can give you a better payout after an accident.

Suppose you’re driving to the store and get hit by an uninsured driver. The accident sends you to the hospital and renders you unable to work for several weeks. You and your partner each have $25,000 of uninsured motorist coverage on your vehicles. If the losses exceed $25,000—the amount of your coverage—you can "stack" your partner’s benefits on top of yours for a total limit of $50,000.

Other ways to save on multi-car insurance

You’ll want to check out every discount option if you’re set on finding the cheapest multi-car insurance available. Here are a few additional ways to lower the car insurance premium on your multi-vehicle policy:

Bundling: If you choose to

bundle your auto insurance

with a renters or home insurance policy, you may qualify for a multi-policy discount. This can save you money on your car insurance coverage as well as the other types of insurance you need.

Good driver discount: A great driving history leads to cheaper insurance. If you don’t have any tickets or accidents on your driving record, you may qualify for a good driver discount or a claims discount on your auto insurance policy.

Try telematics: Many car insurance companies offer discounts for using a telematics device or app that tracks your driving habits. Some providers will give you a discount just for signing up!

Dropping certain coverage options: While it’s a good idea to carry full coverage on most vehicles, it may not be worth it to carry collision and comprehensive insurance for older cars that have decreased in value.

Don’t overpay to insure multiple cars

Compare rates with Jerry to see if you can save today

Shop now

No spam or unwanted phone calls · No long forms

No spam or unwanted phone calls · No long forms · No fees

4.717k Ratings

5M+Drivers Joined

7M+Cars Garaged

FAQ

Can you insure extra cars on single-car policies?

Yes, you can add extra cars to existing car insurance policies, even if your existing policy is just for a single car. However, when you do this you’ll be switching to a multi-car policy, resulting in higher rates. As such, it’s a good idea to get multi-car policy quotes from several providers before settling for your current insurance company.

Are multi-car policies always cheaper than individual policies for each car?

Multi-car policies won’t necessarily be the cheapest option every single time, but drivers save an average of 9% by choosing a multi-car policy over multiple individual policies.

Do all providers offer multi-car insurance quotes?

Almost every insurance provider will give you a quote for a multi-car policy, and most will offer you a multi-vehicle discount, too. To ensure you’re getting the best rates, compare rates from at least three different providers before choosing one.

Meet our experts

Liz Jenson

Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.

Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.

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.