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Find out more about what multi-car insurance is, how you can save and the cheapest multi-car policy providers
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Author: Daniel Robinson Author: Daniel Robinson Author: Daniel is a staff writer for Guides and has written for numerous automotive news and marketing companies specializing in car finance and car care topics in the US, UK and Australia. Daniel is a team leader of guides on Auto Insurance, Loans, Warranty Options, Auto Service and more.
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Editor: Rashaun Mitchener Editor: Rashaun Mitchener Managing Editor Rashaun Mitchener is an editor on the Guides team with over 10 years of personal finance and insurance experience.
A multi-car insurance policy can make insuring your car more convenient and cost-effective. We, the Guides team, have researched the coverage options for several car insurance policies and highlight the best car insurance companies on the market. We also help you find the cheapest multi-car insurance policies to fit your unique needs.
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Our team of guides are committed to providing you with reliable information to help you make the best decision about your car insurance. Because consumers depend on us to provide objective and accurate information, we’ve created a comprehensive rating system to rank the best auto insurance companies. We’ve collected data from dozens of auto insurance providers to rank companies based on a wide range of rating factors. After 800 hours of research, the final result was a comprehensive assessment of each provider, with the insurers with the highest scores at the top of the list.
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For drivers interested in multiple auto insurance discounts, we recommend Country Financial, USAA, Erie Insurance, Geico and Nationwide. These providers offer the lowest average auto insurance policies with minimum and comprehensive coverage, as well as many discounts, including savings on multiple car insurance.
The rates shown below are for a 35-year-old married driver with a clean record and good credit. Drivers in good standing can get lower rates for multi-car insurance. Discount rates vary by insurance company and policy. Ask about discounts on multiple cars when you get quotes from the best auto insurance companies below.
Country Financial offers the most affordable monthly insurance premiums for many different drivers, especially high-risk drivers. The company’s average minimum coverage cost is $356 per year or $30 per month, making it a budget-friendly option. That doesn’t even include Country Financial’s 13-car discount.
Country Financial currently operates in 19 states and offers insurance products including usage-based insurance, collision insurance, comprehensive coverage and more.
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USAA is known for offering low fares to service members and their families across the country. The company’s minimum rates are competitive, but with full coverage rates of $1,512 per year or $126 per month, drivers looking for this level of coverage may find better value elsewhere. However, eligible customers can avail the company’s multi-car discounts in addition to 13 other discount options.
Erie Insurance’s minimum insurance rates are $390 per year or $33 per month, making it an affordable option for drivers in 12 states and Washington. Although the company has a limited service area, it has excellent industry ratings, high customer satisfaction scores, and a total of nine discount opportunities, including discounts on multiple vehicles.
Geico offers affordable minimum coverage in all 50 states for an average of $461 a year or $38 a month. The company has top industry ratings, an easy-to-use mobile app, and a total of 16 discounts, including usage-based insurance discounts, multi-car discounts, and more.
Nationwide offers two usage-based insurance programs, as well as 10 other discount opportunities, including a multi-car discount. The company also offers additional coverage and other benefits, including accident waivers and waivers. Nationally low average comprehensive coverage rates of $1,433 per year or $119 per month make this provider an excellent choice for drivers in all 47 states.
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Multi-car insurance covers more than one car on a single policy. These policies are available from most providers and often come with some sort of discount. In addition to saving you money, multiple car insurance policies simplify your premium payment process. It’s much easier to make one payment than to spread payments and payment terms between multiple vehicles.
There are several potential drawbacks to a multi-car insurance policy. If a high-risk driver is added to your policy, this can increase your total premium. Also, it can be difficult to determine the exact discount that each multi-car insurance provider will offer. As always, comparing auto insurance quotes from multiple providers and asking your insurance agent a few questions is a smart strategy for finding the best rates.
In general, a multi-car insurance policy works the same as a single car policy. One major difference is that the types of coverage are split between vehicles in a multi-car plan.
Bodily liability insurance and property damage liability coverage, as well as Medical Payments Protection (MedPay) and uninsured motorist coverage. Comprehensive and collision insurance can be ordered separately for the cheapest multi-car insurance policy. This flexibility is a good benefit if you need new car and high mileage car insurance and don’t want to protect it with comprehensive coverage.
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You can add all your cohabitants to your multi-car insurance policy. This usually includes your spouse, children, or other family members, but can also include roommates. It is a good idea to include the names of the people who will be driving your car in the event of an at-fault accident.
According to our estimates, the average cost of a comprehensive auto insurance policy is $2,008 per year, or $167 per month. Even with a deductible for adding multiple vehicles to one policy, you may pay more than for single vehicle coverage.
Remember that auto insurance rates are determined by many factors. Here are some things providers consider when determining multi-car insurance premiums:
Some of these cost factors are beyond your control. Strategies you can use to get cheap auto insurance include choosing lower coverage levels or limited coverage limits, choosing a higher deductible, and bundling auto insurance with homeowners or renters coverage.
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Getting the lowest car insurance rates usually comes down to comparing car insurance rates from multiple providers. The process is the same for finding the cheapest car insurance quotes for multiple vehicles. When shopping for different insurance rates, use the following information:
Be sure to compare online quotes from different car insurance providers to determine which one can offer you the best car insurance rates.
Most car insurance companies compete with each other to offer cheap multi-car insurance rates. For this reason, you can usually find several car discount opportunities. Here are some providers that offer lower prices per vehicle if you add additional vehicles to your plan:
This list is not exhaustive, so if you are considering a different provider, check with other car insurance agents in your area. You can also find other auto insurance discounts that may outweigh the benefits of a particular multi-car insurance option.
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If you want to find the cheapest multi-car insurance, you need to comparison shop. Not all providers offer the same discounts on multi-car coverage, so you’ll need to ask a lot of questions before making a purchase.
Depending on the discount offered by your auto insurance company, you may be able to save money by insuring multiple vehicles together rather than having separate policies. Just like buying a single car insurance policy, it’s a good idea to compare free quotes from multiple providers to find the lowest rates for multiple car insurance.
In our estimation, Geico offers lower average rates than Progressive for those with a clean driving record. Geico offers comprehensive auto insurance at an average cost of $1,596 per year, while Progressive’s comprehensive policy costs an average of $2,030 per year.
One person can fully secure two vehicles. Multi-car insurance policies allow you to register more than one car under the same policy with the same provider. The cheapest car insurance companies offer multiple car discounts and it’s best to have one premium and one payday.
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Multi-car insurance refers to policies that cover more than one car. In general, this policy applies the same coverage terms to each vehicle, regardless of whether it is minimum or full coverage. Several car insurance policies get special discounts from many insurance providers.
Our research shows that the top rated insurance companies are Country Financial, USAA, Erie Insurance, Geico and Nationwide. Each provider has unique policy options, deductibles and coverage areas.
Multi-car insurance discounts vary by provider, driver and policy. For the mature driver
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