Best Multi-Vehicle Auto Insurance Discounts in 2025 (Save 25%!)
The best multi-vehicle auto insurance discounts are with Geico, American Family, and State Farm. Each offers up to 25% off a multi-car policy when you insure two or more vehicles. Stack multi-car discounts with other rewards linked to your driving habits and vehicle model to save the most on auto insurance.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
UPDATED: Aug 18, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Aug 18, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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The best multi-vehicle auto insurance discounts are from Geico, American Family, and State Farm, which provide up to 25% savings for insuring two or more vehicles on one policy.
Top 10 Companies: Best Multi-Vehicle Auto Insurance Discounts| 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 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.
- Save up to 25% with the best multi-vehicle auto insurance discounts for families
- Bundling cars with one provider simplifies billing and increases your savings
- Geico is our top pick with the highest multi-vehicle discount
Searching for more affordable premiums? Quote.com makes it easy—just enter your ZIP code using our free comparison tool to get started.
Comparing Rates From the Best Multi-Vehicle Insurance Companies
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.
Auto Insurance Monthly Rates Before & After Multi-Vehicle Discount| 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.
Multi-vehicle discounts reduce costs by spreading risk. Keep all cars on one policy. For example, adding a third vehicle can lead to even bigger savings.
Jeff Root Licensed Insurance Agent
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. For a minimum coverage policy, State Farm offers the best monthly rate at $47, and Allstate has the highest at $87 per month.
Auto Insurance Monthly Rates by Coverage Level| 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 rates tend to decrease with age and are consistently slightly lower for females than males. At age 16, monthly premiums are $58 for females and $62 for males due to the higher risk associated with new drivers.
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.
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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 rates rise with driving violations, while clean records get the lowest premiums. USAA and State Farm offer the best multi-car insurance rates, starting at $32 and $47 per month, with modest increases for violations.
Auto Insurance Monthly Rates by Driving Record| 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.
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How to Qualify for 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.
Why You May Need to Get Multi-Vehicle Auto Insurance Discount
If your household owns more than one vehicle, a multi-vehicle car insurance discount can significantly lower your overall insurance costs, often by 10% to 25%. Rather than paying premiums on individual policies for each vehicle, multi-car insurance consolidates billing and paperwork under one carrier while providing substantial savings.
Drivers should ask about multi-vehicle insurance discounts any time they’re insuring more than one car on the same policy, even if one is rarely used.
Michelle Robbins Licensed Insurance Agent
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 Auto Insurance for Multiple Cars
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%.
Top Auto Insurance Discounts| 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%) while USAA has the top claims-free discount, at 20%. The Hartford, on the other hand, appears to offer lower savings across the board.
Multi-vehicle car insurance discounts can significantly reduce costs when insuring more than one car under the same policy. You can also stack these discounts with usage-based insurance (UBI) programs, which offer savings by tracking driving habits through mobile apps or in-vehicle devices.
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.
Top Usage-Based Auto Insurance (UBI) Programs| 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.
Where to Get the Best Insurance Discounts for Multiple Cars
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.
Frequently Asked Questions
How much can I save with multi-vehicle auto insurance discounts?
Bundling two or more vehicles with the same insurer typically saves between 10% and 25% with multi-vehicle car insurance discounts (Read More: How to Buy Auto Insurance).
Which car insurance companies offer the biggest multi-car discounts?
What is the best insurance company for a multi-car discount? Multi-car auto insurance policies from State Farm, Nationwide, and American Family are known for offering the largest multi-car discounts, with up to 25% savings when insuring two or more vehicles. Enter your ZIP code to find the best company near you.
How many cars can I insure on one policy?
Most insurers will cover up to four or five vehicles on one multi-vehicle policy, provided all the cars are at the same address. Can different drivers be covered under a multi-car insurance policy for five cars? As long as the drivers live at the same address, each can be listed for a different vehicle under the same policy.
How much is car insurance for two cars per month?
On average, insuring two vehicles under the same policy can cost between $100-$250 per month, depending on the drivers, vehicle types, location, and coverage level. Compare quotes from the cheapest car insurance companies to find the lowest rates on two or more cars.
What’s the best way to ensure multiple cars under one policy?
The most effective way is to get a multi-vehicle insurance policy from the same provider, which can offer up to 25% in savings and simplify your billing and management.
How does a multi-car insurance policy work?
A multi-car insurance policy allows you to insure two or more vehicles under the same provider, often at the same address, with a discount applied to each car. Information to have ready when getting quotes for a multi-car insurance policy includes the make, model, and VIN of each vehicle, driver’s license numbers for all drivers, current insurance details, and your address.
Can I have a multi-car insurance policy at different addresses?
In most cases, multi-car policies require all vehicles to be registered at the same address, but some insurers may allow exceptions for students or temporary relocations, particularly when combined with good student auto insurance discounts.
Who can I put on a multi-car insurance policy?
You can include anyone who lives at your address and shares vehicle ownership, such as a spouse, partner, or family member.
What are the benefits of a multi-car insurance policy besides savings?
In addition to cost savings, multi-car policies offer convenience through combined billing, simplified policy management, and a single renewal date for all vehicles.
How do I get the cheapest multi-car insurance quotes?
Are multi-car policies cheaper? That depends. Popular hacks to save money on auto insurance show that multi-car policies are usually cheaper when you insure two or more vehicles with the same provider. Compare rates from top providers like State Farm, Nationwide, and American Family to get the cheapest quotes.
What are the cheapest multi-car insurance quotes by state?
Rates vary by state, but generally, states like Ohio, Maine, and Idaho offer the lowest multi-car insurance quotes, while states like Michigan and Louisiana tend to have higher premiums. Enter your ZIP code to see how much multi-car insurance costs in your state.
Enter your zip code below to view companies that have cheap insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
