Cheap Auto Insurance for Multiple Vehicles in 2025

The best providers for cheap auto insurance for multiple vehicles are Geico, American Family, and Auto-Owners, with Geico as the top pick overall.

Geico offers the lowest rates starting at $94 per month, along with generous 25% multi-car and bundling discounts. American Family and Auto-Owners follow closely, offering slightly higher premiums but stronger customer satisfaction, loyalty perks, and claims support.

10 Best Companies: Cheapest Auto Insurance for Multiple Vehicles

This auto insurance guide compares rates, discounts, and coverage to help you find the best policy for multiple cars. See which companies have the cheapest multi-car insurance near you by entering your ZIP code into our free comparison tool.

Compare Insurance Rates for Multiple Vehicles

For minimum coverage and full coverage, Geico ranks as the cheapest for car insurance for two cars at $94 per month and $268 per month, respectively, followed by American Family and Auto-Owners.

For drivers seeking cheap full coverage insurance under 25, American Family offers full coverage at $276 per month, with Auto-Owners close behind at $290 per month.

Auto Insurance Monthly Rates for 2 Vehicles

Both Geico and American Family offer low premiums, but Geico stands out with up to 25% multi-vehicle discounts, ideal for budget-conscious drivers looking to compare multi-car insurance quotes.

American Family, though slightly more expensive, offers exceptional customer satisfaction, loyalty perks, and bundling discounts that can reduce your effective monthly cost over time (Read More: American Family vs. Travelers Auto Insurance Review).

Auto-Owners, though slightly pricier, offers strong claims service and reliability. All three are smart picks for multi-vehicle insurance when you compare multi-car insurance coverage prices.

Adding Cars to Your Policy Can Provide Savings

For some insurance providers, multi-car insurance for five cars costs around $70 per vehicle when bundled under one policy, compared to $95 per month for a single car.

Auto Insurance Monthly Rate by Number of Vehicles

With the best multi-vehicle auto insurance discounts, insuring three cars costs $240 per month, four cars $300 per month, and five cars $350 per month, lowering the per-car cost to $80, $75, and $70 per month respectively.

While the total premium rises with each added vehicle, the average car insurance cost for two cars is lower per vehicle, showing how multi-car policies offer better value for families.

Driver Age Affects Insurance Cost for Multiple Cars

For multi-car insurance, Geico consistently quotes the cheapest monthly premium for multicar insurance no matter your age, making it the most affordable option for both younger and older drivers seeking multi-car insurance for young drivers.

At age 45, Geico charges just $94 per month, compared to $98 per month from American Family and $101 per month from Auto-Owners.

Even for 18-year-olds, who typically face the highest rates, Geico leads with a $153 monthly premium, a standout option in any cheap multi-car insurance comparison, especially when Allstate charges $318 and Liberty Mutual $398 per month.

Multiple-Vehicle Insurance Monthly Rates by Age

Geico also comes in as one of the cheap options and offers up to 25% multi-car auto insurance discounts, while American Family offers strong satisfaction and loyalty perks at slightly higher rates, like $253 at age 18 and $98 at age 45.

Auto-Owners is slightly more expensive than Geico at $223 per month for age 18 and $101 for age 45, delivers strong claims service and reliability, making it a smart option for cheap auto insurance for teens and multi-vehicle households seeking long-term value.

Driving History Impacts Multi-Vehicle Auto Insurance Rates

A multi-car insurance policy means insuring several vehicles under one plan, with top providers offering rates as low as $94 per month for a clean record, $135 per month with one accident, $195 per month with a DUI, and $105 per month with one ticket.

This pricing makes it the most budget-friendly option regardless of driving history. However, slightly more expensive options like American Family and Auto-Owners stand out for their added value.

Multi-Vehicle Insurance Monthly Rates by Driving Record

American Family offers $98 per month for clean records and $200 for drivers with a DUI, helping offset the car insurance for 2 cars average cost with strong satisfaction and discounts.

Auto-Owners, at $223 per month for a DUI and $101 for a clean record, offers reliable claims service, making it a solid pick for cheap auto insurance after a DUI and multi-vehicle households.

Credit Score Affects Multi‑Vehicle Insurance Cost

The cheapest full coverage car insurance for two cars, according to credit score tiers from a company giving rates are $94 monthly for excellent credit, $108 per month for good credit, $132 per month for fair credit, and $169 monthly for bad credit.

Multi-Vehicle Insurance Monthly Rates by Credit Score

These consistently low monthly rates make it the best auto insurance for good drivers prioritizing cost, regardless of credit standing. Moderately-priced providers like American Family and Auto-Owners also offer a lot of value.

American Family starts at $98 a month and has high customer satisfaction and loyalty perks, while Auto-Owners, from $101 per month, provides solid claims service; both are good value picks for households with multiple vehicles.

Recommended Multi-Car Insurance Coverage

Auto insurance companies vary in the coverage add-ons they offer beyond standard liability, collision, and comprehensive protection.

Allstate, American Family, Farmers, and Progressive stand out by including all major add-ons, roadside assistance, gap insurance, new car replacement, and rideshare coverage, making them strong choices for full-featured protection.

• Liability Insurance: Covers damage you cause to others, essential for all vehicles, and should be sized to protect your household’s total assets.
• Collision Coverage: The best multi-car insurance includes collision coverage, which pays for damage to your vehicles from accidents regardless of fault.
• Comprehensive Coverage: Protects against theft, vandalism, weather damage, and other non-collision incidents.

Auto-Owners vs. Nationwide car insurance reveals that both offer most key coverage extras, but like Liberty Mutual, they exclude rideshare coverage, which may be a drawback for gig drivers.

Geico is more restrictive with none of the add-ons except roadside assistance, while Travelers has all add-ons except for roadside assistance.

Auto Insurance Coverage Add-On Availability

These features can provide important financial protection: gap insurance covers loan balance gaps after a total loss, new car replacement helps recover from early vehicle loss, and rideshare coverage supports drivers using platforms like Uber or Lyft.

Selecting the best insurance add-ons helps you improve your coverage and fill gaps that standard policies may miss. Additional features such as gap insurance or rideshare coverage also provide extra financial protection and peace of mind anytime you hit the road.

How to Save on Multi-Vehicle Insurance

For more tips on paying less for car insurance, consider installing anti-theft devices and maintaining a clean driving record.

Reviewing your multi-vehicle policy annually and comparing multi-car insurance quotes online can help you secure the best rates before your policy renews.

• Avoid Filing Claims: Driving safely to avoid accidents and paying for damage out-of-pocket will keep your multi-car insurance rates as low as possible.
• Raise Your Credit Score: Insurers give lower rates to drivers with multiple cars who have good or excellent credit scores.
• Review Your Coverage: If a vehicle on your policy is over 10 years old, dropping full coverage can cut costs, a common tip in the best multi-car insurance reviews.
• Ask About Discounts: The cheapest way to insure multiple cars is by securing cheap multi-car insurance that offers discounts to significantly lower your overall premiums.

A cheap multi-car insurance policy can cut costs by stacking multi-car, bundling, new vehicle, and usage-based discounts. Geico multi-car insurance offers up to 25% off, along with similar savings from Liberty Mutual.

American Family also stands out with a 23% multi-car insurance discount, 25% for bundling, 15% for new vehicles, and up to 30% for usage-based programs.

Nationwide offers the highest usage-based discount at 40%, while the State Farm multi-car discount provides up to 20%, and the cost of adding a vehicle to an existing Progressive insurance policy remains competitively low.

Top Auto Insurance Discounts for Multiple Vehicles

Auto-Owners and Travelers offer smaller multi-car discounts but up to 30% off with usage-based programs, while Progressive provides up to $231 a year and keeps the cost of adding a vehicle to an existing Progressive insurance policy low.

In the comparison of American Family vs. Liberty Mutual, both stand out alongside Geico and Nationwide for delivering the best value with broad, high discounts.

Top 10 Companies for Insuring Multiple Vehicles

The best car insurance for multiple cars is provided by the leading carriers that dominate across the U.S., balancing competitive rates with valuable discounts and coverage features.

State Farm has a 30% market share due to its excellent service and agent network, while Progressive holds 25% and appeals to drivers with usage‑based discounts and bundling options (Learn More: State Farm vs. Farmers, Geico, Progressive, & Allstate).

Geico holds 20% market share due to its low rates and 25% multi-car discount. Allstate at 15% offers customizable coverage, while Liberty Mutual at 10% provides flexible, professional-focused options, making them top choices for multi-vehicle insurance.

#1 – Geico: Top Overall Pick

Pros

• Lowest Starting Rate: Geico’s minimum coverage for two cars starts at $94 per month, the lowest among major insurers. Check out our Geico insurance review for insights.
• High Discount Cap: By insuring two or more cars, policyholders can reap savings of up to 25% for Geico’s multi-car discount, among the highest available.
• Consistent Across Ages: Geico remains the cheapest across age brackets, offering $94 per month at age 45 and $153 per month at age 18 for multiple vehicles.

Cons

• Basic Customer Service: Customer support is mostly self-service and may lack personal attention for multiple vehicle households needing more hands-on help.
• Minimal Local Agents: Geico operates online, so drivers managing multiple vehicles may prefer to compare multi-car policies with providers offering local agent support.

#2 – American Family: Best for Loyal Customers

Pros

• Loyalty Savings: American Family rewards long‑term households by offering strong benefits for loyal customers, insuring multiple vehicles, including a 23% multi-car discount.
• Bundling Advantage: Families with multiple vehicles can save up to 25% with multi-policy discounts, lowering monthly costs. Explore our American Family insurance review.
• New Vehicle Savings: American Family gives a discount of up to 15% on new cars, which can help with reducing car insurance premiums.

Cons

• Limited Availability: American Family operates in fewer states, and that can make it difficult for families looking to insure multiple cars under a single policy.
• Higher High‑Risk Premiums: Households with accidents pay $140 per month, which is more expensive than the cheapest options for multi‑vehicle insurance.

#3 – Auto-Owners: Best for Insurance Claims

Pros

• Reliable Claims: If you have a multi-vehicle household, Auto-Owners delivers reliable claims service and $101 per month rates for clean records.
• Strong Support: Policyholders receive strong support, which will be particularly beneficial if you’re covering several vehicles or dealing with high-risk drivers.
• Good Value: Auto-Owners offers solid value for multi-vehicle households, with rates from $101 to $290 depending on age and coverage. See our Auto-Owners insurance review.

Cons

• Limited Add‑Ons: Auto-Owners lacks rideshare coverage, which may disappoint multi-driver households, especially at $101 per month.
• Regional Availability: Availability varies by state, limiting options for households needing consistent multi-vehicle coverage, especially where the $101 monthly rate isn’t available.

#4 – State Farm: Best Customer Service

Pros

• Agent Availability: State Farm multi-car insurance makes it easy to manage multiple vehicles with local agents available for policy updates and claims.
• Policy Flexibility: Customizable for families, with $102 per month for clean records and $125 per month at age 35. Read our State Farm auto insurance review for more.
• Customer Loyalty: Strong retention program with long-term policyholders’ multiple cars, yielding high trust and satisfaction.

Cons

• Inconsistent Reviews: Quality of customer service can depend on your location and rates higher in some regions than others for people with more than one car.
• Slightly Higher Rates: Starting at $102 per month for minimum coverage and $284 per month for full coverage for two vehicles, rates are higher than Geico or AmFam.

#5 – Travelers: Best for Specialized Coverage

Pros

• Specialized Coverage: Travelers offers gap insurance, new car replacement, and rideshare coverage, ideal for families with varied needs.
• Balanced Rates: Moderately priced at $105 per month at age 45 and $195 per month at age 18 for multiple vehicles. Find the full list in our Travelers auto insurance review.
• Bundle Value: 8% multi-car discount plus home bundling from Travelers, an ideal option for comparing multi-car and multiple auto policies.

Cons

• Higher Teen Rates: At $195 per month for age 18, Travelers is more expensive for young drivers with multiple vehicles compared to cheaper competitors like Geico.
• Mixed Record Costs: Travelers’ rates jump to $225 per month for a DUI, making it less cost-effective for households adding higher-risk drivers to multiple vehicles.

#6 – Nationwide: Best for Safe Drivers

Pros

• Balanced Coverage Options: Nationwide offers gap insurance and new car replacement, providing strong coverage for families with multiple vehicles.
• High Usage‑Based Discounts: Nationwide offers up to 40% off for multi vehicle households with varied mileage. Learn more in our Nationwide auto insurance review.
• Strong Multi‑Car Savings: Nationwide offers solid value for multi vehicle households with discounts and rates starting at $109 for clean records and $239 for 18-year-old drivers.

Cons

• Costlier DUI Premiums: With a DUI, you’ll pay about $230 per month at Nationwide, which is more than what others charge for high-risk multi-vehicle households.
• Limited Rideshare Coverage: Nationwide does not offer rideshare insurance, which can be a drawback for households with multiple vehicles used for gig driving.

#7 – Progressive: Best for Bundled Rates

Pros

• Bundled Discount Stack: Progressive offers bundling savings, and the Progressive multi-car discount further reduces costs for multi-vehicle households.
• Digital Quote Tools: The “Name Your Price” tool lets multi-vehicle households adjust coverage to fit their budget. Get a complete view in our Progressive auto insurance review.
• Custom Coverage Options: Progressive offers the opportunity to add roadside assistance and rental coverage, providing multiple car drivers with customizable insurance.

Cons

• Lower Multi-Car Discount: The multi-car discount for multiple vehicles is around 10–12%, which is smaller than the 20–25% offered by top competitors like Geico.
• Variable State Savings: Discount availability and bundled rates can vary by state, so not all multi vehicle households will see consistent savings.

#8 – Farmers: Best for Flexible Plans

Pros

• Customized Coverage Options: Farmers lets you customize policies by vehicle while sharing liability, offering personalized coverage for each car.
• Solid Usage Savings: Drivers with more than one vehicle who insure through Farmers’ Signal usage-based program can save up to 30% for safe driving habits.
• Multi-Car Discount: Insuring more than one vehicle can bring down the entire cost of your policy with Farmers by 12%. Find additional info in our Farmers insurance review.

Cons

• State-by-State Rules: With eligibility and discounts for insuring multiple cars varying significantly by location, pricing is not consistent.
• App Dependency: Signal app usage is required for usage-based savings, and inconsistent driving across multiple vehicles may reduce the overall discount.

#9 – Allstate: Best for Discount Plans

Pros

• Quality Customer Support: Helpful agents make it easy to insure multiple cars, for example charging around $135 per month with one ticket.
• Strong Multi‑Car Savings: Allstate offers up to 25% multi-car discounts, making it competitive for multi vehicle households. Discover details in our Allstate insurance review.
• Reliable Rate Stability: Rates come in at an average of $120 a month for drivers with clean records and $165 per month after one accident.

Cons

• Moderate Usage Savings: Usage‑based savings are capped at 30%, below Nationwide’s 40%, so new drivers with multiple vehicles may save less.
• Bundling Limitations: Although Allstate offers 25% multi‑policy savings, some competitors offer broader discounts that benefit families with multiple vehicles more.

#10 – Liberty Mutual: Best for Teachers

Pros

• Educator Benefits: Teachers can access special benefits like vandalism loss protection and pay as little as $126 per month for multiple vehicles with clean records.
• Custom Add-ons: New car replacement and gap insurance boost protection for multi vehicle families. See our Liberty Mutual insurance review for more.
• Generous Multi-Car: With up to 25% off for multiple vehicles, Liberty Mutual also ranks among the best insurance for multiple cars offered by major insurers.

Cons

• Rideshare Limitations: Limited or unavailable rideshare coverage may be a drawback for households using multiple vehicles for gig work.
• Fewer Local Agents: Compared to State Farm or Allstate, Liberty Mutual offers less in-person support, which may not suit multi-vehicle households seeking hands-on service.

Find the Best Multi-Vehicle Coverage

Across all states, Geico, American Family, and Auto-Owners offer cheap auto insurance for multiple vehicles. Geico stands out with its unmatched $94 monthly minimum rate, but AmFam and Auto-Owners have higher claims satisfaction and customer service ratings.

Compare cheap multi-car insurance quotes from the best auto insurance companies near you to find the perfect balance of coverage and affordability. Explore your options by entering your ZIP code into our free comparison tool today.