What is a multiple vehicles discount?

A multiple vehicles discount is a discount provided from most insurance companies to individuals who have multiple vehicles registered under their name and on the same policy or multiple vehicles in the same household on the same policy. Comparing different multiple vehicles discount car insurance rates can save you up to 25%. A Progressive multi-car discount will save 10%, while a multi-car discount from State Farm saves 20%.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 24, 2021

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Things to Know

  • Multiple vehicles discounts are available to drivers with multiple vehicles
  • Most major insurance companies offer multiple vehicles discounts to qualified insured
  • You can save up to 25% on your insurance rates with a multiple vehicles discount

If you have more than one vehicle or live in a household with multiple people who each have a vehicle, you probably qualify for a multiple vehicles discount.

What is a multiple vehicles discount? Which car insurance companies offer multiple vehicles discounts? What are the pros and cons of a multiple vehicles discount? What are average multiple vehicles discount car insurance quotes?

Read this article to find out everything you need to know about a multiple vehicles discount.

To get the best rates from the best multiple vehicles discount car insurance company for your needs, use your ZIP code in our tool to get your first free quote and start comparison shopping today.

What is a multiple vehicles discount, and how does it work?

You can save a significant amount on your car insurance with a multiple vehicles discount, which is just one of many car insurance discounts you may qualify for. All you need for a multi-car discount is more than one vehicle on your policy.

You can add another vehicle to your policy by working with your insurance company. In general, you’ll need the VIN, year, and make and model for the car; your existing policy information; and personal information for any drivers who will use the vehicle.

If you aren’t married to the owner or driver of the other vehicle(s), you’ll need to speak with your insurance company to determine the specific requirements surrounding qualifying for discounts.

Some companies aren’t concerned with how you’re related to the owners/drivers of other vehicles, while others will require you only to have vehicles registered in your name on your policy.

Keep reading to find out where you can buy multiple vehicles discount car insurance.

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Where can you get a multiple vehicles discount, and how much can you save?

Take a look at this table for a list of major car insurance companies that offer multiple vehicle discounts.

Multiple Vehicles Savings and Availability by Insurance Company
Insurance Company Offers a Multiple Vehicles Discount Amount Saved by Multiple Vehicles Discount
21st CenturyYesNot Available
AAAYesNot Available
AllstateNo-
American FamilyYesNot Available
AmeripriseYesNot Available
AmicaYes15%
Country FinancialYes15%
EsuranceYesNot Available
FarmersYesNot Available
GEICOYes25%
Liberty MutualYes10%
MetLifeYesNot Available
NationwideYes20%
ProgressiveYes10%
Safe AutoYes15%
SafecoYes15%
State FarmYes20%
The GeneralYes15%
The HanoverYes5%
The HartfordYes5%
TravelersYes8%
USAAYes Not Available
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As you can see, while most companies offer the discount, the percent value of the discount varies. For example, a multi-car discount from State Farm is 20%, while a Progressive multi-car discount is 10%.

Multiple Vehicles Car Insurance Discount: The Bottom Line

What is a multi-car discount? It’s a discount offered to insureds who have multiple vehicles in the same household insured on the same policy and can save you up to 25% on your multiple vehicles discount car insurance rates.

Most often, the vehicles will all need to be registered to the policyholder, but you can speak with your insurance company about whether they permit vehicles owned by other drivers to be included on the same policy.

If you’re ready to shop for affordable multiple vehicles discount car insurance, enter your ZIP code in the tool on this page right now to get your first free quote.

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