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

  • Most insurance companies only allow four cars per policy but will create a heavily discount second policy for your fifth car
  • Drivers can save money by insuring all their cars with one company
  • Drivers can save between 10-25% with a multi-car discount

If your household has a lot of drivers, you may have found yourself typing, “one driver two cars insurance” into your search engine as you embark on the hunt for a policy that can cover multiple cars, or more specifically, a multi-car insurance policy that can cover five cars.

But be aware that you could face a bit of struggle in your search to find affordable car insurance companies that can insure five vehicles to a household in one policy. That’s because it’s general practice to only hold four cars and four drivers on one policy.

This news may seem disheartening at first, but there is no need to worry even if you seem to only be unearthing car insurance quotes from car insurance companies that can’t insure five vehicles to a household in one policy.

Most car insurance companies will create a second policy for your fifth vehicle and will give you a hefty discount on this additional policy so your rates won’t break the bank.

While you may not find car insurance companies that can insure five vehicles to a household in one policy, you can enter your ZIP code into our free tool and get free quotes from insurance companies that can provide you with a multi-car policy.

Where can I buy a multi-car policy?

You’ll need to make sure that all the vehicles being driven in your household are covered by insurance. Driving without insurance can have costly, as well as legal, repercussions.

Since you must buy car insurance, car insurance companies that can insure five vehicles to a household in one policy, or at least, car insurance companies that offer a multi-car policy like these can help keep you street legal:

  • Allstate
  • State Farm
  • GEICO
  • Progressive
  • Travelers

These companies are all major players in the insurance industry and can get you the coverage you need. Of course, if you have a question regarding how to create a multi-car policy, you can always reach out to your insurance company directly for guidance.

The rates offered by the companies listed above are very cheap too. Allstate offers insurance for $135 per month on average, and you can get a policy with State Farm for as little as $115 per month.

Now for drivers who are really eager to save money, the average monthly cost of a policy with GEICO is $84, and with Progressive, you can get a policy for $63 per month on average. Travelers is the most expensive on the list with an average monthly rate of $178.

Keep in mind that insuring multiple cars with one insurance company makes you eligible for a multi-car discount which means that these rates can drop even further.

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How much is a multi-car discount?

Even if you can’t collect enough data to properly compare car insurance rates from car insurance companies that can insure five vehicles to a household in one policy, you can rest easy knowing that you’ll still get a multi-car discount with any insurance company you sign up with.

Now while the exact amount of the discounts you’ll receive will vary from insurance company to insurance company you can expect to see savings from anywhere between 10-25% on your car insurance quotes with a multi-car discount.

With a multi-car discount, you’ll notice that your bank account is fatter than it would have been if you had each car insured with a different company.

How can I reduce my car insurance rates even more?

Insuring multiple cars with one company will score you a multi-car discount, but there are more ways for you to save on your insurance. When comparing quotes online, be sure to review this list of common discounts:

Available Car Insurance Discounts by Type
Safe Driver Car Insurance DiscountsVehicle Equipment Car Insurance DiscountsPolicyholder Car Insurance DiscountsYoung Driver Car Insurance DiscountsLife Change Car Insurance DiscountsMilitary Car Insurance Discounts
Claim FreeAdaptive Cruise ControlContinuous CoverageDistant StudentFederal EmployeeAlumni
Defensive DriverAdaptive HeadlightsEarly SigningDriver's EdHomeownerEmergency Deployment
Driving Device/AppAnti-Lock BrakesFamily LegacyFurther EducationMarriedMilitary
Farm VehicleAnti-TheftFamily PlanGood StudentMembership/GroupMilitary Garaging
Garaging/StoringDaytime Running LightsFull PaymentNew GraduateNew Address
Low MileageElectronic Stability ControlLoyaltyOccupation
Safe Driver Car Insurance DiscountsForward CollisionMultiple PoliciesSenior Driver
Seat BeltGreen VehicleMultiple VehiclesStudents
Utility VehicleNew VehicleOn-Time Payments
Passive RestraintPaperless Billing
Paperless Documents
Shopping Online
Switching Providers
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With tools like this chart, you can be sure that you are getting every discount you qualify for when purchasing an insurance policy.

Cheap Car Insurance Companies that Can Insure Five Vehicles to a Household in One Policy: The Bottom Line

If you have multiple cars and need a new car insurance company, car insurance companies that can insure five vehicles to a household in one policy can be hard to find, but can one person have two car insurance policies?

Yes, insurance companies like GEICO and State Farm among others can insure all five of your vehicles — one will just be on a separate (and heavily discounted) policy. With multi-car insurance for five cars, you’ll be able to hop into any of your rides and know that you have the protection you need.

You may not find car insurance companies that can insure five vehicles to a household in one policy, but enter your ZIP code and you can start comparing free quotes from companies that offer multi-car policies today.