Best Multi-Vehicle Auto Insurance Discounts in 2025

The best multi-vehicle auto insurance discounts are from Geico, American Family, and State Farm, which provide up to 25% savings for insuring up to nine maximum cars per policy.

Company	Rank	Multi-Vehicle Discount	Maximum Cars per Policy	A.M. Best
	#1	25%	9	A++
	#2	23%	4	A
	#3	20%	4	A++
	#4	15%	4	A+
	#5	12%	8	A+
	#6	12%	5	A
	#7	10%	6	A++
	#8	10%	4	A+
	#9	10%	4	A+
	#10	8%	4	A++

These top providers combine low rates, strong bundling options, and consistent multi-car auto insurance discounts, which can be particularly helpful for families or shared households.

If you want to make your insurance easier and save more money, learning how to get multiple auto insurance quotes can help you make the most of companies that insure more than one vehicle.

Searching for more affordable premiums? Quote.com makes it easy—just enter your ZIP code using our free comparison tool to get started.

How to Get a Multi-Vehicle Auto Insurance Discount

Getting a multi-vehicle car insurance discount is an easy way to reduce your monthly premiums if your household owns or shares two or more personal-use vehicles.

To get cheap auto insurance for multiple vehicles, insure two or more cars at the same address with one provider. Have VINs, licenses, and proof of residence ready, and ask for the discount. Combine with bundling or safe driving programs to save more.

Company	1 Car	2 Cars	3 Cars	4 Cars	5 Cars
	$145	$270	$385	$495	$590
	$138	$255	$370	$475	$565
	$142	$260	$378	$485	$575
	$120	$230	$340	$440	$525
	$130	$245	$355	$460	$545
	$140	$260	$375	$485	$575
	$135	$250	$360	$460	$550
	$148	$265	$380	$490	$585
	$136	$252	$366	$472	$560
	$118	$225	$335	$435	$520

Multi-car insurance lowers the cost per vehicle, with USAA and Geico offering the cheapest rates from about $118 for one car to $520–$525 for multi-car insurance for five cars, American Family, State Farm, and Nationwide providing solid mid-range value, and Allstate and The Hartford the most expensive at up to $590 for 5 cars.

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Best Multi-Car Insurance Company Rates Compared

Some of the most well-known insurers will give you substantial savings if you have all your cars under a single provider, as shown by rate comparisons among top insurance companies. For example, Allstate reduces its average monthly premium from $87 to $78, while American Family drops from $62 to $48.

Insurance Company	Before Discount	After Discount
	$87	$78
	$62	$48
	$76	$67
	$43	$32
	$63	$54
	$56	$49
	$47	$38
	$61	$55
	$53	$49
	$62	$56

Farmers, Liberty Mutual, and Nationwide offer similar discounts, lowering rates by $8 to $9 a month. Progressive and State Farm also provide competitive savings, with State Farm offering one of the lowest post-discount rates at $38 per month. Read our State Farm auto insurance review for additional information.

Even companies like The Hartford, Travelers, and USAA show monthly reductions of $4 to $6. These consistent savings demonstrate how bundling vehicles under a single insurer can be a smart way to cut insurance costs.

Your coverage level can greatly affect auto insurance rates, and with a multi-car discount with State Farm, you can get the best minimum coverage monthly rate at $47, while Allstate has the highest at $87 per month.

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$76	$166
	$43	$114
	$63	$164
	$56	$150
	$47	$123
	$61	$161
	$53	$141
	$62	$161

Full coverage rates rise significantly, with Geico the cheapest at $114 a month, and Allstate again the most expensive at $228 per month.

Other major insurers like Allstate, Progressive, and Nationwide fall between these ranges, showing how both coverage level and provider choice greatly affect premiums, with Nationwide labeled as best for multi-car policies with different coverage levels. Find out more in our Nationwide insurance review.

How Age and Gender Impact Multi-Car Insurance Costs

Auto insurance premiums for car insurance for multiple drivers decline as you age and are typically a little lower for women than men, costing an average $58 for women and $62 for men when they’re 16 because new drivers add increased risk.

By age 25, monthly rates drop to $44 for females and $47 for males, continuing to decline as drivers gain experience. You may even qualify for cheaper insurance if you maintain a clean record.

At age 65, the average monthly cost is $30 for females and $31 for males. This pattern shows that both age and gender impact premiums, with older, more experienced drivers receiving the lowest rates.

Read More: Liberty Mutual Insurance Review

How Driving Record Impacts Multi-Car Insurance Rates

Auto insurance premiums go up with driving violations and come down with clean records. USAA and State Farm have the best multi-car insurance rates on average, beginning at $32 and $47 per month, respectively, modest increases for violations.

Insurance Company	Clean Record	One Accident	One DUI	One Ticket
	$87	$124	$152	$103
	$62	$94	$104	$73
	$76	$109	$105	$95
	$43	$71	$117	$56
	$63	$88	$129	$75
	$56	$98	$75	$74
	$47	$57	$65	$53
	$61	$89	$93	$74
	$53	$76	$112	$72
	$32	$42	$58	$36

Liberty Mutual and Allstate show steep hikes, with monthly rates reaching up to $178 for a DUI. Keeping a clean driving record is the best way to get cheap auto insurance for high-risk drivers.

Why You May Need a Multi-Car Insurance Policy

If your household owns more than one vehicle, insurance for those with multiple cars can significantly lower your overall costs, often by 10% to 25%, since multi-car policies consolidate billing and paperwork under one carrier while providing substantial savings.

This is ideal for families, couples, or shared households, and the discount often increases when combined with other policies like home or renters insurance. With rising insurance costs, using resources like how to compare auto insurance companies can help you find the best ways to stay covered and save.

More Ways to Save on Your Multi-Car Insurance Policy

Auto insurance discounts vary by company, with some offering substantial savings for safe driving and policy bundling. Allstate and American Family lead with up to 25% off for accident-free and bundling, while Nationwide offers the best low-mileage auto insurance discounts up to 40%.

Company	Accident- Free	Bundling	Low Mileage	Usage Based
	25%	25%	30%	40%
	25%	25%	20%	20%
	20%	20%	10%	30%
	20%	25%	30%	30%
	20%	20%	40%	40%
	10%	10%	30%	$231/yr
	17%	17%	30%	30%
	5%	5%	10%	20%
	13%	13%	20%	30%
	10%	10%	20%	30%

Liberty Mutual and Progressive offer impressive low-mileage discounts (up to 30%), and you can easily add a car to your Progressive policy online, while USAA has the top claims-free discount at 20%; The Hartford, on the other hand, appears to offer lower savings across the board.

Beyond multi-vehicle discounts, many insurers offer additional ways to trim down your premiums. A few strategies worth considering include:

• Increase deductibles: A higher insurance deductible will translate to a lower monthly premium, but you will be on the hook for more out of your own pocket if you ever file a claim.
• Pay Premiums Annually: Many insurers give discounts if you pay for the full policy term upfront instead of monthly installments.
• Maintain Good Credit: In the majority of states, good credit decreases the rate of insurance because it demonstrates financial responsibility.
• Install Anti-Theft and Safety Devices: Features like alarms, GPS tracking, or advanced driver-assist systems can earn extra discounts.
• Loyalty and Renewal Rewards: Some insurers offer additional savings if you’ve been with them for multiple years or renew without lapses.

Pairing multi-car discounts with these extra strategies can significantly reduce your overall insurance costs while keeping your household fully protected.

Multi-vehicle car insurance discounts can be substantial when you insure more than one vehicle on the same insurance policy. You can also layer these discounts with usage-based insurance (UBI) programs that provide savings for you by monitoring your driving behavior from mobile apps or an in-car device.

Top programs like Allstate’s Drivewise and Progressive’s SmartRide provide up to 40% off, while others like Farmers’ Signal and USAA’s SafePilot offer around 30%. These programs reward safe, low-risk driving with lower premiums.

Company	Program Name	Savings	How It's Tracked
	Drivewise®	40%	Mobile App
	KnowYourDrive	20%	Mobile App
	Signal®	30%	Mobile App
	DriveEasy	25%	Mobile App
	RightTrack®	30%	Plug-in Device
	SmartRide®	40%	Mobile App or Plug-in
	Snapshot	30%	Mobile App
	Drive Safe & Save™	30%	Mobile App or Plug-in
	IntelliDrive®	30%	Mobile App
	SafePilot	30%	Mobile App

Multiple vehicles and drivers can participate in UBI, but the discount will only be applied to the single policy. Some companies will also raise rates for tracking bad driving habits, so compare multiple companies and programs to see if it’s the right fit for you.

Save Big With Multi-Vehicle Insurance Discounts

Looking for the best multi-vehicle auto insurance discounts? Top insurers like Geico, American Family, and State Farm offer savings of up to 25% when you insure two or more vehicles under the same policy.

You can increase your savings further with available discounts such as bundling home and auto, safe driving, low mileage, and claims-free rewards. Stacking multi-vehicle insurance discounts with other savings can help lower your premiums on comprehensive auto insurance.

Start comparing affordable insurance options with Quote.com by entering your ZIP code into our free quote comparison tool today.