Car Insurance for Multiple Vehicles

Save time and money by insuring multiple vehicles on one policy.

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Best Car Insurance for Multiple Vehicles

If you have multiple cars and drivers on your policy, you can probably understand how complicated it is to save on auto insurance. While most insurance companies allow you to insure up to four vehicles and four drivers on one insurance policy, there are logistical and financial issues to sort out to ensure every driver is properly covered. Let’s explore some ways to save and navigate your policy when you have multiple vehicles.

Auto insurance with multiple vehicles
  1. What’s the cheapest auto insurance company with multiple vehicles?
  2. Can you insure different vehicles with different insurance companies?
  3. Does the coverage need to be the same?
  4. How many vehicles can insure with one auto insurance company?


What’s the cheapest company with two vehicles?

In our best efforts to answer this question, we created a user profile (outlined here) with two drivers and two vehicles and surveyed some of the top car insurance companies. Here are the results.

Company6-Month Premium
State Farm$1,966
Liberty Mutual$879

As you can see, Geico and Progressive are the cheapest car insurance companies for our user profile. GEICO costs $424 less than the group average — about $108 per month. Progressive, the second cheapest will cost you $746 for a 6-month policy or about $124 per month. You should consider, however, that this reflects our user profile and it might not reflect yours. Consider our data and model as a starting point for researching the right auto insurance policy. You might want to consider beginning (but certainly not ending) your search for auto insurance with Geico and Progressive.

average premium for multiple vehicles


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Insuring different vehicles with different insurance companies

Consider you have two vehicles; one is a 2015 Honda Accord. It’s a pretty standard vehicle, nothing particularly flashy but gets you from A to B. But your second vehicle is a classic car, your pride and joy. Because of the nature of classic vehicles, they need a little extra attention in terms of auto insurance.

The company you insure your A-to-B vehicle with might not be the right auto insurance company to ensure your classic car, and vice versa. They might not offer all the features you’d like to have, or might not even offer protection at all. Because of this, you might want to consider a specialty lines auto insurance company for this vehicle, such as with Hagerty.

However, other than this specific example, there are not a lot of reasons to insure a vehicle with another company. First, you miss out on a multi-car discount. While the discount varies by company, you will almost always save money by keeping your vehicles under one auto insurance company.

Secondly, you add an additional policy to manage and another auto insurance company to deal with if you chose to insure your second vehicle elsewhere. When all your vehicles are together, you have one due date for your bills, one policy number, and one premium.


Can the vehicles have different coverage options?

While you must maintain the same liability and uninsured motorist limits, you have a little more freedom when it comes to comprehensive and collision coverage. Because these coverages are not required by state law, you can have one fully insured with comprehensive and collision and leave another at state liability.

You might consider this option if one of the insured vehicles isn’t particularly valuable and the other one is. A general rule of thumb in the auto insurance world is if your vehicle is worth less $4,000, you probably won’t need additional physical coverage (comprehensive and collision). This is because the value of the premium paid for this coverage plus your deductible (as you could have to pay that in the event of a claim) doesn’t offer much financial payout to justify the premium.

As we stated, while you're able to have some freedom with your additional coverage, insurance companies like (and often require) you keep the bodily injury and property damage limits the same.


How many vehicles can you have with one auto insurance company?

While the exact number varies by company, the general standard is you can insure 4 vehicles and 4 drivers on an insurance policy. After 4 vehicles, what a lot of insurance companies will do is create another policy for you that is linked to the first. In this scenario, your additional policy would be heavily discounted as to alleviate the additional cost of having a completely separate policy. The additional details, such as setting up the same billing due dates, vary by company. However, many companies will allow you to change your due dates so they can match.

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Additional Resources

For additional information, see our additional articles here:



We randomly selected 5 zip codes in 5 different areas across the US by using the 5 most popular companies in the US based on net premiums written. Here are the zip codes we selected:

  • Columbus, OH - 43216
  • McKinney, TX - 75070
  • Fresno, CA - 75070
  • Scranton, PA - 93722
  • Aurora, CO - 80013

We built base teen driver profiles: male and female teens with two parents and two household vehicles. This is the information we chose to use:

Driver's DOB: 08/01/1960

  • Vehicle 1: 2015 Toyota Sienna LE, owned, 12,000/year
  • Vehicle 2: 2015 Toyota Crewmax, owned, driving 12,000/year
  • Driving Record: no accidents or citation
  • Education: BA
  • Licensed at: 16
  • Occupation: Manager Level - Accounting
  • Insurance History: Max amount selectable of previous years with insurance company, limits at 100/300/100


Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.