Best Multi-Vehicle Auto Insurance Discounts in 2025 (Save up to 25% With These Companies!)

For multi-vehicle owners, the best multi-vehicle auto insurance discounts often include significant savings on rates typically around 10-25% for adding multiple cars to a single policy.

You can get cheap auto insurance with a multi-car insurance discount from various companies if you insure several cars.

Many auto insurance offer a multi-car insurance discount, which can lead to lower insurance rates per vehicle when insuring vehicles together.

Our Top 10 Company Picks: Best Multi-Vehicle Auto Insurance Discounts

Beyond multi-vehicle discounts, consider bundling auto insurance with home or renters insurance for even more savings or raising deductibles to lower costs. Additionally, shopping for quotes will help multi-vehicle owners find the best price. Enter your ZIP code into our free quote comparison tool above to get started today.

How to Qualify for a Multi-Vehicle Auto Insurance Discount

Most companies offer a multi-car insurance discount for insuring several cars at the same company, making coverage cheaper if you have multiple vehicles.

For instance, a multiple-car discount may be helpful if you’re wondering how to save on auto insurance with three vehicles. Generally, the more vehicles are covered under a policy, the greater the discount.

These discounts don’t always apply automatically — you may need to specifically request it from your insurance provider. Additionally, certain terms and conditions apply, and the discount amount will vary depending on the insurance company, the number of vehicles, and other policy specifics.

Insure two or more vehicles under one policy to receive a multi-vehicle auto insurance discount. Beyond that, each insurance provider may have slightly different qualifications for eligibility. The insurance company calculates the rate for the policy based on several factors, including vehicle age, your location, drivers’ ages and driving records, and other considerations.

Some of the most common requirements include having the same address as the other drivers on the policy, having all drivers on the policy being related, having all policyholders’ cars in the same location, or owning all cars covered by the policy.

Again, it’s best to talk directly with your insurance company to determine their requirements for auto insurance for multiple cars. Finally, it would help if you compared the total cost of a multi-car policy to individual policies to ensure it will cost less than individual policies.

Best Auto Insurance Companies for Multiple Cars

The multi-vehicle auto insurance discount varies depending on the company, but it usually ranges between 10% and 25% off each vehicle’s rate.

Full Coverage Car Insurance Monthly Cost for One or More Vehicles

There are several options if you’re considering the best auto insurance companies for multiple vehicles.

Take a look at the table below to compare multi-car insurance discounts from top companies such as Geico and State Farm:

Minimum Coverage Insurance Monthly Rates With Multi-Vehicle Discount

As you can see, the multi-car discount with Geico offers savings of up to 25%, while the multi-car discount with State Farm gets you up to 20%. On the other hand, the multi-car discount with Progressive only knocks off about 10%.

Also, make sure to consider what you’ll be paying at different auto insurance companies before the discount is applied, such as your rates by driving record.

Not all car insurance companies have the biggest multi-car discounts, so getting car insurance quotes for a multi-car policy is worth finding the best deal, especially when shopping for multi-car insurance policies for families.

Read More:

• State Farm Auto Insurance Review
• Nationwide Auto Insurance Review
• Geico Auto Insurance Review

Benefits of a Multi-Vehicle Auto Insurance Policy

Believe it or not, having a second car does affect auto insurance rates (Learn More: Does a second car affect auto insurance rates?). Having a multiple-car plan offers several benefits besides the fact that it’s often cheaper. First, it reduces the hassle of managing multiple insurance policies, with a single policy covering several vehicles.

For each additional vehicle, you will have to provide basic information about the car and who will be driving it. You will have to carry the required liability auto insurance on each car. However, you can choose which of your vehicles you want to add extra auto insurance coverage onto, such as collision or comprehensive insurance.

Another benefit is that a multiple-car plan can give you more flexibility when adding or removing vehicles from the policy. Finally, an auto insurance multi-car discount is convenient if your family has multiple drivers since you can include everyone on one policy rather than requiring separate policies for each driver.

Who You Can Add to a Multi-Car Insurance Policy

Generally, most insurance companies require drivers on multi-car insurance policies to live at the same address. So, for a multiple-car insurance discount, you can usually add the following individuals:

• Spouses or partners
• Roommates or housemates
• Family members, such as children, siblings, or parents

However, each provider has different rules for their multi-car insurance deals.

Read More: When should I add my child to my auto insurance?

How to Get Accurate Insurance Quotes for Multiple Cars

As we’ve mentioned before, a multi-car insurance discount is just one factor in what rates you’ll pay for auto insurance. We recommend getting auto insurance quotes to see what rates you’ll pay and how much the multi-car insurance discount will save you. To do this, you will need to take the following steps: 

1. Collect Information: For quotes, make sure you have all the basic information about your cars and drivers.
2. Choose Coverages: Decide beforehand what types of auto insurance coverage you want on each car, as this information will offer a more accurate estimate.
3. Get Quotes: You can apply for quotes at different auto insurance companies or use a quote comparison tool, which requires you to enter information only once. Compare your quotes from the auto insurance companies to see which offers the best rates for your cars.

Once you have found a car insurance quote or two that you like, make sure to do a quick check on the company’s financial ratings and customer reviews. This will ensure there are no red flags about a company before you sign up for car insurance coverage.

Getting Cheap Auto Insurance With Multi-Vehicle Discounts

If you have more than one vehicle in your household, a multiple-car auto insurance policy might be worth considering. The best multi-vehicle auto insurance discounts save you money, but they can also simplify the claims process and save time managing multiple policies. Read more about how to manage your auto insurance policy.

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However, to get a multiple-car insurance discount, you must insure two or more vehicles, and other eligibility requirements may vary between insurance providers.

As with any insurance decision, remember to compare multi-vehicle insurance policies and providers to ensure you find the best car insurance for multiple vehicles.

By following these tips and considering the benefits outlined here, you can decide whether a multiple-car auto insurance discount is right for you. Enter your ZIP code below to start comparing free multi-vehicle insurance quotes.