State Farm, Progressive, and Allstate are the top picks for the cheapest car insurance for multiple vehicles, with premiums starting at just $82/month.

Finding cheap car insurance for multiple vehicles can be tough, but our comprehensive car insurance shopping guide makes it much easier. In this article, we’ll take a look at top providers of multi-car discounts, pointers for bundling policies, and ways to save on premiums.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$82	B	Policy Options	State Farm
	#2	$89	A+	Budgeting Tools	Progressive
	#3	$93	A+	Infrequent Drivers	Allstate
	#4	$97	A	Safe Drivers	Farmers
	#5	$104	A+	Usage-Based Coverage	Nationwide
	#6	$109	A	24/7 Support	Liberty Mutual
	#7	$114	A++	Bundling Policies	Travelers
	#8	$121	A	Costco Members	American Family
	#9	$127	A+	Exclusive Benefits	The Hartford
	#10	$133	A++	Reliability Focused	Auto-Owners

Learn about comparing quotes, understanding coverage options, and leveraging loyalty programs. By the end, you'll be equipped with the knowledge to secure affordable, comprehensive coverage for all your vehicles. Find cheap car insurance quotes by entering your ZIP code above.

What You Should Know

• Compare multi-vehicle discounts from top insurers to save up to 25% on premiums
• Learn the differences between minimum and full coverage rates for multiple vehicles
• Customize coverage for each vehicle to maximize savings and protection

#1 – State Farm: Top Overall Pick

Pros

• Extensive Policy Customization: Check out our State Farm car insurance review for info on various options for multi-vehicle policies.
• Flexible Coverage Limits: It lets policyholders choose their own coverage limits for each vehicle if that is what they want.
• Personal Injury Protection: PIP options can be tailored to your multiple vehicles. You can rest easy knowing that all your family is covered if something goes wrong.

Cons

• Limited Multi-Car Discount Transparency: Sometimes State Farm doesn't always do a great job with how multiple vehicle discounts are calculated.
• Potential Coverage Gaps: If a household has a mix of standard and specialized vehicles comprehensive coverage may be difficult.

#2 – Progressive: Best for Budgeting Tools

Pros

• Name Your Price Tool: It helps find multi-vehicle coverage that fits their financial plan. Learn more in our Progressive car insurance review.
• Comparison Tool: This tool allows families to compare rates for multiple vehicles across multiple insurers to get the best deal.
• Rate Lock Option: Families can lock in multiple vehicles for rates, helping with budget predictability over time.

Cons

• Inconsistent Customer Service Experiences: Some competitors’ loyalty programs for multi-vehicle policies are more complete than Progressive’s programs.
• Limited Loyalty Rewards: The claim processor may have difficulties when two or more vehicles are involved.

#3 – Allstate: Best for Infrequent Drivers

Pros

• Milewise Pay-Per-Mile Insurance: Ideal For multiple vehicles that you don’t use often. Explore our Allstate car insurance review.
• Pay-Per-Day Insurance: Daily insurance options for households with occasional vehicle use will help cut costs.
• Seasonal Vehicle Coverage: Families with cars only used for some of the year have flexible policies.

Cons

• Limited Coverage Options for Classic Cars: Families with a mix of standard and classic vehicles may need help locating complete coverage.
• Complex Discount Structure: Many discount options can be confusing and make it difficult for drivers to get the most out of multi-vehicle insurance.

  #4 – Farmers: Best for Safe Drivers

Pros

• Safe Driver Rewards: It offers discounts for safe driving records on multiple vehicle policies for careful households with multiple drivers.
• Safe Driving Bonus: Additional discounts for every six months of safe driving across all insured vehicles. See our Farmers car insurance review.
• Defensive Driving Course Discount: When drivers complete approved safety courses, families can save on multiple vehicle policies.

Cons

• Inconsistent Digital Experience: Some tech-savvy competitors offer a more user-friendly online platform to manage their multiple vehicles.
• Dropped Coverage on Individual Vehicles: Individual cars within a multi-vehicle policy reportedly lose coverage without warning.

#5 – Nationwide: Best for Usage-Based Coverage

Pros

• SmartRide Program for Multiple Cars: Usage-based insurance leading to significant discounts on policies covering several vehicles.
• Usage-Based Accident Forgiveness: Safe drivers with multiple vehicles can earn accident forgiveness faster through participation in usage-based programs.
• Flexible Mileage Tiers: Offers various mileage categories for usage-based pricing. Read more in our Nationwide car insurance review.

Cons

• Complicated Policy Customization: Families may find it challenging to optimize coverage and costs when insuring vehicles with varying usage patterns.
• Privacy Concerns with Telematics: The extensive data collection required for usage-based discounts on multiple vehicles may be off-putting.

#6 – Liberty Mutual: Best for 24/7 Support

Pros

• 24/7 Claims Support: This means help is always available and valuable for families with multiple vehicles.
• Towing and Labor Coverage: All insured vehicles get 24/7 roadside assistance for peace of mind on the go at any hour.
• Emergency Response Unit: In our car insurance review of Liberty Mutual, they have special teams that provide on-site assistance 24/7.

Cons

• Restricted Coverage Options for Occasional Drivers: Households with vehicles driven by occasional drivers may encounter coverage limitations.
• Claims Process for Multi-Vehicle Accidents: Sometimes, policyholders say they are confused and slow to resolve their claims.

#7 – Travelers: Best for Bundling Policies

Pros

• Multi-Policy Bundling Benefits: Combining multiple auto policies with home insurance gelps reduce cost. Learn more in our Travelers car insurance review.
• Bundle and Save Calculator: It helps the family see potential savings by bundling several vehicles and other policies.
• Cross-Policy Deductible Benefits: A single deductible could apply to several bundled policies, reducing costs in multi-vehicle claims.

Cons

• Limited Options for Temporary Vehicle Removal: It can be challenging for policyholders to temporarily remove a vehicle from coverage.
• Strict Requirements for Policy Bundling Benefits: The best multi-policy discounts may not be available to some families.

#8 – American Family: Best for Costco Members

Pros

• Exclusive Costco Member Discounts: Our review of American Family car insurance mentioned that Costco members can access discounts on multi-vehicle policies.
• Member Bonus: Executive members receive additional savings on multiple vehicle policies.
• Bundled Costco and Auto Insurance Perks: Members enjoy combined benefits from their Costco membership and multi-vehicle insurance policy.

Cons

• Restrictive Policy Transfer Options: Families relocating to states where American Family isn't available may face challenges.
• Reduced Multi-Car Discounts Over Time: Some report diminishing returns on Costco-related multi-vehicle savings in subsequent renewal periods.

#9 – The Hartford: Best for Exclusive Benefits

Pros

• Lifetime Renewability: PPromises that policies will be renewed if certain conditions are met. Learn more about why car insurance is so expensive.
• Advantage Plus Package: It includes new car replacement, accident forgiveness, and a disappearing deductible for multi-car policies.
• Vehicle Value Repair Coverage: This coverage provides substantial protection for families whose cars are older; it pays for repairs up to the vehicle’s actual cash value.

Cons

• Age Restrictions on Multi-Vehicle Policies: Drivers under 50 may not qualify for The Hartford's most competitive rates and AARP-related benefits.
• Potential for Higher Premiums on Newer Vehicles: Families may find the rates for newer vehicles less competitive within a multi-car policy.

#10 – Auto-Owners: Best for Reliability Focused

Pros

• Comprehensive Multi-Vehicle Package: The Personal Automobile Plus package offers 10 additional coverages for multiple vehicles.
• Common Loss Deductible Waiver: Auto-Owners always waive the lowest deductible, reducing out-of-pocket expenses.
• Reliable Paid-In-Full Discount: It’s attractive to those seeking stable, long-term coverage options.

Cons

• Limited Online Services: As mentioned in our review of Auto-Owners Families often need to speak with an agent to get accurate quotes for multi-car policies.
• Fewer Advertised Discounts: Auto-Owners offers a more limited range of publicized discount opportunities for insuring multiple cars.

Minimum vs. Full Coverage Rates for Multiple Vehicles

If you’re insuring multiple vehicles, it’s important to know the difference between minimum and full coverage rates when looking for the cheapest car insurance. To give you an idea of what to expect from the leading insurers with regards to monthly rates for both coverage types, here’s a breakdown.

Insurance Company	Minimum Coverage	Full Coverage
	$93	$185
	$121	$231
	$133	$249
$97	$194
	$109	$219
$104	$211
	$89	$177
	$82	$162
	$127	$240
	$114	$223

Minimum coverage includes the basic liability required by state laws, making it the most affordable option but offering limited protection. Get tips in our 3 car insurance tips when moving out of state.

While full coverage car insurance does offer more (complete) accident, theft and damage relief, you’ll pay more for the added coverage.

Comparing rates is not everything when you compare, you also need to consider the options you are looking at and based on your needs and budget. Full coverage might cost a little more upfront, but may be the better choice if you have a lot of cars in your family. To get the best deal for you, you should regularly compare the rates quoted by the leading insurers.

Customizing Coverage for Each Vehicle

You can customize coverage for each vehicle to help you save as much as possible, provided your coverage is sufficiently adequate. Families can avoid overpaying for coverage they don’t need by tailoring coverage levels to their needs—comprehensive and collision for high value cars, liability for older cars, for example.

Some insurers give you lots of flexibility in the limits you can choose, and they often offer additional policies like uninsured motorist coverage and roadside assistance.

For families with many vehicles, regularly reviewing and updating policies can mean big savings, and is an important part of ensuring you are getting a good deal on your insurance.

Common Mistakes to Avoid With Multi-Vehicle Insurance

If you have more than one vehicle to insure, here’s how to avoid common mistakes and save money while getting the right coverage. Review your policy regularly to capture discounts and make changes to the policy when needed, such as after a life change or when you add a vehicle or driver.

Make sure you’re aware of your limits of coverage and that all vehicles are properly insured for their value and use so you are never underinsured. Ask if there are discounts on your multi-vehicle policy, such as loyalty rewards or safe driving incentives.

If you remain proactive and avoid these errors, you will be able to have comprehensive coverage on all vehicles and possibly lower the insurance costs.

If you are keeping informed and attentive to your policy details, then you will be getting the most for your multi-vehicle insurance.

Maximizing Multi-Vehicle Discounts

If you have multiple vehicles, you can get multi-car discounts that will lower your premiums. Here are the discounts available for multiple-vehicle policyholders.

Insurance Company	Available Discount
	Multi-car Discount, Bundle Discount
	Multi-car Discount, Family Plan Discount
	Multi-car Discount, Loyalty Discount
	Multi-car Discount, Bundle Discount
	Multi-car Discount, Accident Forgiveness Discount
	Multi-car Discount, Vanishing Deductible Discount
	Multi-car Discount, Bundle Savings Discount
	Multi-car Discount, Safe Driving Discount
	AARP Member Discount, Multi-car Discount
	Multi-car Discount, Loyalty Discount

In addition to making your billing easier, this could save you up to 25% of your premiums. Check these discounts against providers to see which offers the best deal for your multi-vehicle household. See how defensive driving course benefits reduce costs as well.

Comparing Rates for Multiple Vehicles

Using online comparison tools can help you secure the cheapest car insurance for multiple vehicles. Progressive, Allstate, and State Farm are among the insurers that provide great resources. You can input the number of vehicles you have and the amount of coverage you would like to get personalized quotes.

These tools enable you to compare rates side-by-side, ensuring you find the most cost-effective options for insuring multiple vehicles and switch car insurance companies to save.

This proactive approach helps you maintain affordable premiums while securing the best coverage for all your vehicles. By entering your ZIP code below, you can get instant car insurance quotes from top providers for your vehicles.