Car Insurance for Multiple Vehicles

Save time and money by covering multiple vehicles on one insurance policy.

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Best car insurance for drivers with multiple vehicles


If you insure multiple cars and drivers on your policy, you understand how hard it can be to find cheap car insurance rates. While most insurance companies allow you to cover 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 review some ways to save and navigate your insurance policy if you drive multiple vehicles.


Auto insurance with multiple vehicles — table of contents:
  1. What’s the cheapest auto insurance company for a multiple-vehicle policy?
  2. Can you insure vehicles with different insurance companies?
  3. Does your insurance need to be the same for each vehicle?
  4. How many vehicles can you insure with one auto insurance company?


What’s the cheapest insurance company for a driver with two vehicles?

We created a user profile (detailed methodology) with two drivers and two vehicles and surveyed insurance rates from some of the top car insurance companies.

Here are the results:

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

GEICO and Progressive are the cheapest car insurance companies for our user profile. State-minimum coverage through GEICO costs $424 less than the average among top insurance companies — about $108 per month. Progressive, the second cheapest, charges $746 for a six-month policy, or about $124 per month.

Consider, however, that this reflects our user profile; it might not reflect yours. Use this data as a starting point for researching the right auto insurance policy. You might want to begin your search for auto insurance for multiple cars 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: a 2015 Honda Accord and a classic car. Your Accord is a pretty standard vehicle that gets you from A to B. Your classic car is your pride and joy, but it needs a little extra attention in terms of auto insurance.

The company with which you insure your A-to-B vehicle might not be the right auto insurance company to cover your classic car, and vice versa. The company might not offer all the features you’d like to have, or might not even offer classic car insurance at all. You might want to consider a specialty lines auto insurance company for this vehicle.

Aside from this specific example, there aren't many reasons to insure two vehicles with more than one company. By splitting your insurance policy with two companies, you miss out on a multi-car discount. While the amount of a multi-car 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 insurance coverage options?

While you must maintain the same liability insurance and uninsured/underinsured 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-minimum liability level.

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 insure with one auto insurance company?

While the exact number varies by company, the general standard is you can insure up to four vehicles and four drivers on an insurance policy. To insure more than four vehicles, some insurance companies will create another policy that is linked to the first. This additional policy would be heavily discounted 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.

Compare rates and find an affordable multi-car policy.

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: