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: Nov 6, 2020

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Key takeaways...

  • Most car insurance companies offer discounts when you insure more than one car
  • Teenagers who get good grades may be eligible for a discount
  • The type of car you drive can affect your insurance premiums

Do companies offer a multi-car insurance discount? Yes, they do, and some companies will offer a larger discount than others.

The way to find out which ones will give people the highest discount for insuring more than one vehicle in a household is to take advantage of this website’s comparison feature.

All that is needed is the zip code, and several free insurance quotes will be returned to them from the many auto insurance companies that sell multi car insurance policies.

Enter your zip code above and save with our FREE car insurance comparison!

The Multi-Car Insurance Discount

When people have more than one vehicle to insure, they can do this with one company.

Because several vehicles are being insured, the policyholders will be entitled to receive a group rate. To make this discount even better, it increases as the policyholder insures more vehicles.

The multi-car insurance discount will work in several different situations.

If one person owns more than one vehicle and insures them all with the same company, she will receive the multi-car insurance discount.

This discount also applies if the household contains several people who all are insuring their vehicles on the same policy.

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Types of Vehicles that Can Be Insured Together

Different types of vehicles can be insured under the multi-car discount.

For example, if someone owns a pick-up that truck he drives for work and a sports car he drives for personal reasons, he may insure both of these vehicles under the multi-car discount.

If one vehicle is a new car but the policyholder also has an older vehicle, both of these automobiles may be insured on the same multi-car insurance policy for a discount.

Multi-Car Insurance Discount Rules

Insurance companies have a few rules that policyholders must follow in order to qualify for the multi-car insurance discount.

First, the same name must be listed as primary driver for all insured vehicles.

Because these policies require that everyone insuring their vehicles together reside at the same home, all insured automobiles must be parked regularly in the same place.

All of the main drivers listed on the policy also need to be related.

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Non-Married Multi Car Insurance Discounts

Insurance companies require that the people on a multi-car insurance policy be related to one another because they want to keep the incidences of insurance fraud down.

Because they have become aware that more people are cohabitating, they have begun to give unmarried couples who are living together the chance to qualify for the multi-car insurance discount.

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Non-Conventional Vehicles

Another way to obtain a multi-car insurance discount is to insure cars people drive on the roads with vehicles that are used for recreation purposes.

The non-conventional vehicles that some insurance companies will insure are:

  • All-terrain vehicles
  • Boats
  • Motorcycles
  • RVs
  • Any motorized vehicles

Adding Teenage Drivers

Newly licensed drivers are some of the greatest risks to insurance companies, so insuring these drivers on their own policies would, most likely, mean paying very high rates.

By adding these teenagers to a multi-car policy, their parents qualify for the discount, and their rates will be lower than if they purchased a separate policy for the teen.

The Amount of the Discount

Insurance companies are giving multi-car insurance discounts because these policyholders are demonstrating loyalty toward the company.

Insurance companies hate to lose business, as is understandable, so some companies offer as much as 25 to 35 percent off when people insure more than one car with their companies.

As people renew their policies, some companies will further reward their multi-car insurance customers with an even larger discount.

When it comes time to renew, these policyholders receive the renewal discount that takes off another 30 percent in some cases.

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Find Multi Car Insurance Discounts

As was mentioned above, people looking for car insurance can easily receive several quotes from the comparison page on this website.

When they speak to the representatives of these companies that are eager for their business, they can ask how much of a discount they can receive for a multi-car insurance policy.

Not every insurance company will offer exactly the same discounts, so people will need to make sure that they ask specifically for the multi-car insurance discount.

It is also the case that one insurance company will give a larger discount than another.

Because these customers are comparison shopping, they will be able to find the insurance company that has the multi-car insurance policy that will give them the lowest car insurance rates.

Find low-cost car insurance now! Enter your zip code below and start comparing quotes for FREE!


  1. https://www.statefarm.com/discountdoublecheck/iphone/MultiCar.html
  2. https://www.geico.com/save/discounts/car-insurance-discounts/
  3. https://www.nationwide.com/multiple-policy-discount.jsp
  4. https://www.progressive.com/answers/teen-driver-insurance/