How do I add a car to my insurance?

Want to add another car to your auto insurance policy? Most auto insurers offer savings when you combine coverage. The national average cost of auto insurance is around $118.91/mo.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 25, 2021

Advertiser Disclosure

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.

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.

Here's what you need to know...

  • To change any information on your auto insurance policy, you should contact your existing auto insurance agent directly. Make sure you do this in a timely manner so that you are maintaining the required auto insurance coverage on your vehicle
  • Making changes to your policy is an essential part of managing your auto insurance
  • You do not need to get a new policy to simply add another car to your existing auto insurance policy
  • Some auto insurance companies will have a limit as to how many cars you can insure under a single policy. You may be eligible for a multi-car discount by adding more cars to an existing auto insurance policy
  • You will want to get a new quote from your auto insurance company about how the new car will affect your rate. The type of car you buy can influence the rate that you pay

Adding a car to an existing auto insurance policy is a very simple and straightforward process through your current insurer.

At the time that you speak with your insurance agent about adding another vehicle to your policy, you should ask for a quote on how the new vehicle on your policy will affect your rate.

You may even qualify for a multi-car discount, which would make it cheaper to add a car onto an existing policy than to take an additional policy out on that car.

Enter your ZIP code into the FREE tool below for access to car insurance rates from multiple companies in your area!

Information that You Will Need to Provide to Your Current Auto Insurance Agent

When looking to add another car to your auto insurance policy, you should be prepared to provide some basic information about the new vehicle.

Typically, you will be asked to provide the year, make, model and mileage of the additional vehicle. You will likely also be asked for any registration information you have on the new vehicle.

Keep in mind that if there is any other information that is related to your auto insurance policy that needs updating, this is a convenient time to get it done.

In the event that you file a claim, you may be precluded from recovery if you do not have updated information on file with your insurance agent.

Depending on the specific laws of your state, your auto insurance company may be required to submit proof of insurance to the state department of motor vehicles to show that your car is insured upon vehicle registration.

It is important to not delay in getting your auto insurance lined up as quickly as possible on your new vehicle so that you are not found to be in violation of any state laws when driving your car.

In some states, the failure to insure a vehicle can result in severe penalties and significant fines.

One thing to keep in mind is that if you are hit with fines or penalties from your state department of motor vehicles for not maintaining the proper insurance for all of your vehicles, then your auto insurance rates may go up in the future.

You may risk having your auto insurance policy canceled by your current insurer, which would also mean that you are likely going to face higher rates from other insurance companies in your state.


Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Making Sure that You Have the Right Auto Insurance Coverage for Your Additional Car

Keep in mind that every state has a minimum level of basic auto liability coverage you will need to have to drive your car. When you add the new car to your existing policy, be sure that you are covered for at least the state minimum requirements.

In addition, this is also a good opportunity to check and see if you should consider any additional coverage for your auto insurance. If you do not have collision or comprehensive coverage, you may want to request a quote for that to consider adding it on.

When you are adding another car to your existing car insurance policy, you may also want to ask about what multi-car discounts are available to you.

This might also be the ideal time to shop around for other car insurance quotes to make sure that you are getting adequate coverage at a reasonable price.

Especially if your new car purchase is particularly valuable or costs an exceptional amount of money to repair, you want to make sure that you are adequately covered in the event you have to make a claim for your new vehicle.

If you have not yet purchased your new car, you may want to check with your insurance company first to see how the new car will affect your insurance rates. This can help inform your decision about what type of car makes the most sense for you to buy.

Some cars are more expensive to insure because they are rarer or would cost more to repair if they were damaged in an accident.

There is no reason to delay having another vehicle added to your current car insurance policy.

The sooner you have the vehicle added after applying for vehicle registration, then the less likely you will have any issues with not meeting the state minimum requirements for auto insurance coverage.

Your insurance agent should be the first phone call you made in order to add another car. You should also ask about any new discounts that would be available for your policy.

Check to make sure that you are adequately covered for all of your vehicles when adding another one on.

Enter your ZIP code below to compare car insurance rates from multiple companies at once!


Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption