Lauren Lewthwaite Last Updated On: January 26, 2024

How To Get The Best Insurance For Multiple Cars?

If you’re looking to insure multiple cars, one of the easiest ways to save money is to have all your cars insured with the same provider. Referred to as multi-car insurance, this kind of policy can save you between 10% and 25% on your premiums which could—depending on how many cars you have—mean saving thousands of dollars every year. 

What’s the catch? 

All of the cars have to be kept at the same address. However, they do not necessarily have to be owned by the same person, or even people who are related. Whether or not this particular stipulation applies to your eligibility will depend on your insurance company. As with all insurance plans, policies vary from provider to provider. 

Regardless, the fact remains that anyone insuring multiple cars will at least want to consider multi-car insurance. 

So, with an open mind in mind, let’s get into what you need to know about car insurance for multiple cars. 

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Table of Contents

How To Qualify For Multi Car Insurance?

To qualify for multi-car insurance, you need to be insuring more than one car and all the vehicles must be at the same address. These are the most basic principles of this type of coverage. 

Once you’ve cleared these hurdles, the qualifications often vary from provider to provider. While many insurance companies will only offer multiple car insurance to people who are related (i.e. part of the same family and under the same roof), there are other providers that will give plans for anyone living together (i.e. roommates).

How Many Cars Can You Have on Multiple Car Insurance Policy?

We already know that you have at least two vehicles on a multiple-car insurance policy, but we haven’t talked about the maximum. Again, qualifications depend on the provider, but in general, the average maximum number of cars you can have on a multi-car policy is around five—though some insurers will cover up to nine. 

If you’re a company that needs to ensure multiple vehicles, you’re going to want to look into commercial auto insurance, which is a different type of policy altogether. 

Many insurance companies offer specialized packages for auto insurance for two cars, catering to the unique needs of multi-vehicle households. Whether you’re seeking cheap car insurance for two cars or the best coverage options for your vehicles, exploring multi-car insurance policies can lead to potential savings and simplified management of your insurance needs.

Does Each Vehicle Need the Same Coverage for Multi Car Insurance Discounts?

The simple answer to that question is yes for liability and uninsured motorist coverage, but collision and comprehensive insurance (which exists to get your vehicles repaired in the event of an accident) doesn’t need to be the same on every car. 

For example, if you have a 20 year-old vehicle that isn’t worth insuring for anything other than liability and uninsured motorist, but also have a new car that needs collision and comprehensive coverage, you can secure different coverages for different vehicles. 

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Benefits of Multi Car Insurance

Other than the discounts, the other major benefits of multi-car insurance are stacking, having a single deductible, and convenience.
  • Stacking. Stacking is permitted by some companies in some states and will allow multiple vehicles with the same owner to stack uninsured motorist coverage. For example, if you insure three cars with uninsured motorist bodily injury (coverage with limits of $50,000 per person and $200,000 per accident (50/200) and stack your uninsured motorist coverage your limits would triple to 150/600. So, stacking can be helpful in the event that your coverage is inadequate to pay for injuries and damages suffered in a covered loss.
  • Single deductible. If more than one of your vehicles is damaged in a single incident (e.g. a bad storm), you will only have to pay the deductible once, for both cars.
  • Convenience. Instead of having to renew your insurance policies on separate dates and manage separate bills, multi-car insurance allows you to handle everything at once, with one renewal date and one payment date.
The takeaway: By insuring multiple cars with the same company, you can have one less thing to worry about.

How To Save Money On Multi Car Insurance?

Getting multi-car insurance is itself a major discount, but that doesn’t mean you can’t save even more. Here are some other ways to save on your car insurance:
  • Good driving discount. Keep your driving record clean and you can enjoy lower car insurance rates.
  • Good student discount. If your child maintains a B+ average, many car insurance providers will offer a good student discount.
  • Safe driving course. Taking a road safety course and providing proof of completion to your insurance provider can save you hundreds of dollars a year on car insurance.
  • Low-mileage discount. Have a vehicle you don’t drive a lot? Let your insurance provider know and score savings for being a low-mileage—and therefore lower risk—driver.
  • Bundle all your insurance. Bundling your home, auto, RV, motorcycle, life, and health insurance with the same provider is another wonderful way to drastically reduce insurance premiums.

Where To Get the Best Multiple Auto Insurance Quotes?

Many people looking for the best multi-auto insurance will go with their current provider. While this is an excellent place to start, it shouldn’t be the end of your search. Not all insurance companies offer the same multi-auto insurance quotes, and some providers provide much better rates than others. 

If you’re looking to insure multiple cars, start here, with us. We’ve matched thousands of people with the best multi-auto insurance quotes for their needs and budgets, and we can help you too. Request a free multi-auto insurance quotes now. 

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Who Shouldn't Get Multi Car Insurance?

There are two scenarios in which it may not be a good idea to consider multi-car insurance. The first one is if the driver of one of the vehicles has a poor driving record. This could drive up the premiums for all the insured vehicles. 

The other scenario is if one of the vehicles is more expensive, considered sporty, and in a different rate class, since—if you were looking to divide the insurance cost evenly among the car’s drivers—this can increase your rate. 

All this said, if neither of these situations applies to you and you have multiple vehicles at your address, then multi-car insurance is likely an amazing option!


In most cases, insurance companies will accommodate this scenario. Of course, you should talk to your insurance provider to be certain.

Not necessarily, but the cars do need to be at the same address and everyone’s primary residence should be at the same address.

From 10%-25%, depending on your provider.


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