How to Get a Multiple Drivers Discount

If you have more than one driver on your auto insurance policy, you may qualify for a multiple drivers discount. On average, expect to save 5% with multiple drivers discount auto insurance rates. Unless the other driver is high-risk to insure, adding a second person to a policy typically helps you qualify for even more discounts, reducing both of your rates. Currently, only MetLife and The Hartford offer affordable multiple drivers discount auto insurance.

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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...

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 30, 2021

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Things to Remember

  • Currently, two national auto insurance companies offer a multiple drivers discount
  • Drivers save 5% on their premiums on average with this discount
  • To earn this discount, insure more than one driver under the same auto insurance policy, even if you only have one car

It’s common for multiple drivers to live under the same roof. If this describes your situation, adding everyone to a single auto insurance policy could earn you a multiple drivers discount.

Customers save an average of only 5% on their annual premiums by earning this discount. However, you might also qualify more easily for additional auto insurance discounts, leading to even more significant savings.

Keep reading to discover what companies offer this discount and to learn if adding multiple drivers to your insurance policy is the right choice for you.

After comparing affordable multiple drivers discount auto insurance rates, remember to enter your ZIP code into our free tool above to start comparing auto insurance quotes from the providers in your area.

What auto insurance companies offer a multiple drivers discount?

The average number of vehicles per household is two, which implies there is more than one driver eligible for a multiple drivers discount on car insurance.

Currently, only MetLife and The Hartford offer multiple drivers discounts to customers. Typically, people save an average of 5% on their annual premiums with this deal.

Take a look at the complete list below to learn more about each multiple driver discount auto insurance company and how much you can save:

It’s also possible that local insurers in your area provide this discount to drivers as well. But because auto insurance laws vary by state, this discount might not be available in every location.

Keep in mind that this discount is not suitable for everyone. The ages, driving records, and coverage needs of each driver you want to put on your policy will impact your overall costs.

To find the best auto insurance companies for you, compare quotes from multiple providers online and ask about other discounts you could earn, like the multi-car discount.

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What is a multiple drivers discount on auto insurance?

A multi-driver discount rewards you with a minor rate reduction for your customer loyalty. Insurance providers want as much of your business as possible, including other drivers living in your household.

Therefore, this style of discount is sometimes considered a loyalty discount.

Multiple drivers discounts are similar to but separate from multiple vehicle discounts and multiple policy discounts.

Of the three, multiple driver discounts are the least common and yield the smallest rate reduction. You can compare the average percentage of savings from these three discounts below:

  • Multiple drivers discount – 5%
  • Multiple vehicles discount – 16%
  • Multiple policies discount – 15%

While only two companies offer a multiple drivers discount, 21 national insurance providers offer multi-policy deals, and 22 advertise multi-vehicle deals.

Multi-driver discounts might be somewhat rare, but most companies provide you with slightly cheaper auto insurance quotes if you seek out a multi-driver auto insurance policy. You’ll pay more than you would for just one driver; however, the premium will usually be lower than the cost of two single policies.

What can you expect from multiple driver auto insurance?

How does auto insurance work with multiple drivers? Contrary to popular belief, you do not need to be married to or related to the other driver to qualify.

As long as someone makes the premium payments on time, you can usually share auto insurance policies with almost anyone.

Can you have two main drivers on the same auto policy? No, but you can have additional named drivers. There is typically only one policy-owner, but anyone else listed as a named driver on the policy can drive the insured vehicle. This way you can add multiple drivers to the same policy, even if you only have one car.

Named drivers are not usually the vehicle or policy owners but are still covered by the insurance policy if they’re involved in an accident while driving your car. If the other person does not live at your same address, you can add them as a non-resident driver.

Experts recommend adding anyone who drives your vehicle 12 or more times per year as a named driver on your policy.

While the numbers vary by provider, most companies allow you to add four drivers and four vehicles per policy.

If you do this, your rates will reflect the risk of multiple people driving one vehicle. To help get the lowest quotes, consider naming the person with the best driving record, the most driving experience, and the best credit score as the primary policyholder.

Fortunately, your Motor Vehicle Report (MVR) remains separate from the other drivers. Therefore, if you chose to leave the multiple driver policy, accidents or violations caused by other people don’t stay on your record.

If you believe you’re paying more for auto insurance due to a violation not caused by you, check your MVR.

Should multiple drivers share auto insurance?

Is it cheaper to have two drivers on auto insurance? Usually, it makes sense to add more than one person to your auto insurance policy.

You could purchase multiple single-policies through one provider, leading to a multi-policy discount but not a multi-driver discount, so it’s important to shop around and compare quotes to get the best deal on auto insurance.

Usually, buying two single policies this way will be more expensive, especially when not every insurance company provides a multi-policy discount for just two auto policies.

This is why you commonly see people buying auto insurance as a family with multiple drivers instead of purchasing several single policies. You’ll typically save money, assuming every driver is over the age of 25 and has a clean or decent driving record.

However, if anyone living under your roof is considered a high-risk driver, it will hurt your rates to add them to your policy.

Who typically receives high-risk auto insurance? Teens and drivers under the age of 25, senior citizens, and people with rocky driving records, DUIs, bad credit scores, and lapses in their insurance coverage. In some states, even gender can influence your insurance rates.

To compare how age and gender might impact your multi-driver discount auto insurance rates, check out the table below:

Average Annual Auto Insurance Rates by Age and Gender
Age and GenderAverage Annual Auto Insurance Rates
17-year-old female$6,981.69
17-year-old male$8,330.16
25-year-old female$3,051.96
25-year-old male$3,235.09
35-year-old female$2,494.16
35-year-old male$2,563.70
60-year-old female$2,322.62
60-year-old male$2,447.32
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If you’re a parent of a teen driver, adding them to your policy and earning a multi-driver discount can help reduce their higher-than-average auto insurance quotes.

You might also consider asking about a good student and driver’s ed discount. Otherwise, it might be best to avoid sharing a policy with anyone younger than 25.

In some states, it is illegal for insurance companies to use non-driving factors like credit score when calculating your auto insurance rates. However, in the states where it is used, it can make a huge difference.

Take a look at the table below to see what we mean:

Average Annual Auto Insurance Rates by Credit Score
Credit ScoreAverage Annual Auto Insurance Rates
Good$3,014.49
Fair$3,581.83
Poor$5,188.70
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If a credit score is factored into your rates where you live, make sure all drivers added to your policy have fair to good credit, or you risk an increase in your annual premiums.

Finally, your driving histories are also critical. A driver with a traffic citation, DUI, or an at-fault accident on their record pays more for auto insurance each year than someone with a clean record.

See how different traffic violations impact auto insurance rates in the table below:

Average Annual Auto Insurance Rates by Driving Record
Driving CitationAverage Annual Auto Insurance Rate
Clean record$3,328.16
With 1 speeding violation$3,617.80
With 1 accident$4,303.39
With 1 DUI$4,464.00
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Insurance companies cannot differentiate between people on a shared policy. Therefore, if you choose to share a policy and one of the drivers causes an accident or receives a citation, your entire auto insurance premium will increase.

Overall, it’s best to avoid sharing a policy with a high-risk driver unless it’s necessary. The 5% rate reduction from The Hartford and MetLife won’t be enough to offset the additional charges.

If the person you wanted to add to your policy proves to be too high-risk to insure, you can exclude them from your policy. But do not let them drive your vehicle for any reason.

If they drive your vehicle and are involved in an accident, it’s a violation of your insurance contract. Your provider will not cover the damages, leaving you responsible for paying for everything out of pocket. You also risk losing your insurance coverage.

If they remain accident-free for about three years, that person can usually then be added to your policy again.

How else can you save on auto insurance with multiple drivers?

If you have multiple drivers on your auto insurance policy, you will qualify for a few more substantial auto insurance discounts that are much easier to earn.

Besides customer loyalty discounts, you can also earn discounts for driving safer vehicles and making responsible choices.

Consider asking about the following auto insurance discounts:

  • Multi-car discounts
  • Multi-policy discounts
  • Paid-in-full discounts
  • Safe driver discounts
  • Good student discounts
  • Driver’s ed discounts
  • Anti-theft discounts
  • Passive-restraint discounts
  • Low-mileage discounts

Because auto insurance providers use different equations to calculate rates and have inconsistent qualification rules for discounts, you’ll want to do some comparison shopping.

Seek out multiple quotes online from different providers and pick the one that offers the best rates for the right amount of coverage for every driver on your policy.

What is a multi-car policy?

If you have more than one vehicle, you can also consider a multi-car policy. Basically, it covers more than one car kept at the same address.

However, you won’t earn a multi-driver discount simply for having multiple vehicles.

Multi-car discounts do exist, but the qualification rules and savings amount vary widely based on the insurer. Shop around with multiple auto insurance companies until you find the one offering the car insurance discounts you want.

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Multiple Drivers Discount on Auto Insurance: The Bottom Line

Earning a multiple drivers discount is a great way to reduce your auto insurance rates. Plus, adding a second person to a single policy is usually cheaper than purchasing two individual policies.

Just know that the driving records of every person on the policy will influence the annual costs. However, another person’s rocky history won’t follow you should you decide to get coverage on your own later on.

Now that you know where and how to buy multiple drivers discount auto insurance, compare quotes from the top companies near you by entering your ZIP code into our free rate tool below.

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