Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 28, 2021

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Key Takeaways

  • Some of the best car insurance companies for multiple cars include GEICO, Progressive, Liberty Mutual, State Farm, and Travelers
  • Multi-car discounts can provide savings for drivers who insure more than one car through the same insurance company
  • You can adjust the levels of some types of insurance for each car on your insurance policy to tailor your coverage to your needs

Owning more than one vehicle is common, especially for drivers who like to have different types of vehicles for different purposes. Therefore, insuring more than one car is also common. Below we’ve listed some of the best car insurance for multiple cars.

Getting car insurance quotes from multiple companies is the best way to understand which company can offer you the coverage, rates, and discounts that you need.

Enter your ZIP code into our free quote comparison tool above to buy car insurance for multiple cars with affordable rates.

What are the best car insurance companies for multiple cars?

Most, if not all, car insurance companies will allow you to insure more than one vehicle on your policy. However, some companies may have lower rates as well as higher multi-car discounts available.

Below are some of the best car insurance companies for multiple cars:

GEICO

GEICO offers some of the lowest car insurance rates, and they have an easy claims process. It also provides one of the highest multi-car discounts, allowing you to save up to 25% for insuring more than one car.

Progressive

Progressive also tends to offer lower rates, and you can earn up to 10% with its multi-car discount. Other discounts and the ability to bundle policies may provide more savings.

Liberty Mutual

Liberty Mutual also has a good multi-car discount that offers low rates for drivers who own more than one vehicle. It also has a variety of add-ons that can be used to customize your car insurance policy.

State Farm

State Farm has a multi-car discount with up to 20% savings. The company is also known for having excellent customer service, and its agents are located all over the U.S. for easy accessibility.

Travelers

Travelers is known for its wide offering of car insurance discounts that may be able to save you money on your monthly rates. Its products also make it easy to get the coverage you need.

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How much does car insurance for multiple cars cost?

Below are some sample rates from some major car insurance companies for one-driver, two-cars insurance:

Average 6-Month Rates for Two Cars by Insurance Company
Company6-Month Rates for Two Cars
Allstate$1,137
GEICO$651
Liberty Mutual$879
Progressive$746
State Farm$1,966
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You should keep in mind that your demographics and characteristics may not match that of the example driver, which means your car insurance rates for multiple cars can vary.

If you’re insuring more than two cars, your rates will be higher. Your second car insurance cost will also depend on what type of cars you’re insuring, your driving record, where you live, discounts available to you, and more.

What is a multi-car discount?

In simple terms, a multi-car discount is a discount given to drivers who have more than one vehicle insured by the same car insurance company for multiple cars.

The best car insurance for multiple cars may be a company that offers affordable rates and a good multi-car discount.

How else can I save money on car insurance?

One of the easiest ways to find affordable car insurance for multiple cars is to take advantage of as many discounts as possible. The table below shows some common discounts offered by major insurance companies:

Common Car Insurance Discounts by Insurance Provider
CompaniesAnti-TheftClaim FreeGood StudentMarriedMembership/GroupMilitaryMultiple PoliciesMultiple VehiclesSafe Driver
Allstatexxxxxx
American Familyxxxxxx
Farmersxxxxxxx
Geicoxxxxxxxx
Liberty Mutualxxxxxxxx
Nationwidexxxxxxxx
Progressivexxxxxxx
State Farmxxxxxxxx
Travelersxxxxxxx
USAAxxxxxxxx
Get Your Rates Quote Now

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Another way to save money on your monthly rates is to increase your deductible. If you can afford to pay higher expenses out of pocket, you should consider doing so to save money in the long run.

Other expenses you could pay out of pocket include repairs caused by incidents that may be covered by your insurance company. Even though it could be covered, if you can afford to pay for it, you may want to do it to avoid increasing your rates.

Depending on the type of vehicle you have, you could also consider decreasing the amount of coverage you have. As long as you meet your state’s minimum liability requirements, you can legally drive your car, and you may be able to save money.

If you’re comfortable with having your movements and driving behaviors tracked by your phone, you could also take advantage of your insurance company’s usage-based insurance (UBI) discounts.

How does car insurance for multiple cars work?

In most cases, car insurance for multiple cars will work the same as car insurance for one car. However, coverages can vary per car depending on your coverage choices.

Liability, PIP/MedPay, or uninsured/underinsured motorist coverages generally have the same limits across all vehicles and drivers on your policy. However, comprehensive, collision, roadside assistance, and rental reimbursement coverage can be adjusted for each vehicle.

For example, if you have one car that is significantly more valuable than another, you may choose to raise the coverage limits on this specific vehicle without having to pay for that amount of coverage on the less valuable vehicle.

Some insurance companies may limit the number of cars you can insure on your policy. Generally, this is four or five cars. However, Progressive limits up to eight, and GEICO limits up to nine cars.

In a few cases, you may not want to purchase a multi-car policy. For example, if you own a classic car, you may want to get insurance for it through a company that specializes in classic car insurance.

Enter your ZIP code into our free quote comparison tool below to get car insurance quotes for multiple cars.