Cheap Auto Insurance for Multiple Vehicles in 2025 (10 Most Affordable Companies)
Get cheap multi-vehicle auto insurance from Geico, State Farm, and Nationwide. Geico leads with the best multiple vehicle insurance rates starting at $72 per month. These top ten insurers provide competitive rates, multi-car insurance discounts, and flexible coverage for households with multiple cars and drivers.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 17, 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: Apr 17, 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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19,116 reviewsCompany Facts
Min. Coverage for Multiple Vehicles
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
18,154 reviewsCompany Facts
Min. Coverage for Multiple Vehicles
A.M. Best
Complaint Level
Pros & Cons
18,154 reviews
3,071 reviewsCompany Facts
Min. Coverage for Multiple Vehicles
A.M. Best
Complaint Level
Pros & Cons
3,071 reviewsGeico, State Farm, and Nationwide are known for offering cheap auto insurance for multiple vehicles, with top rates starting as low as $72 a month.
Our Top 10 Company Picks: Cheap Auto Insurance for Multiple Vehicles| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $72 | A++ | Low Rates | Geico |
 | #2 | $76 | A++ | Customer Service | State Farm |
 | #3 | $80 | A+ | Safe Drivers | Nationwide |
 | #4 | $82 | A++ | Insurance Claims | Auto-Owners |
 | #5 | $84 | A+ | Bundled Rates | Progressive |
 | #6 | $88 | A++ | Specialized Coverage | Travelers |
 | #7 | $92 | A | Flexible Plans | Farmers |
 | #8 | $94 | A | Loyal Customers | American Family |
 | #9 | $96 | A+ | Discount Plans | Allstate |
 | #10 | $100 | A | Teachers | Liberty Mutual |
Insuring multiple vehicles doesn’t have to break the bank. This comprehensive guide examines the best car insurance companies for households with several cars, comparing rates, valuable multi-car discounts, and specialized coverage options for families.
- Geico full coverage rates for multiple vehicles start at $236 a month
- State Farm has the best customer service for drivers with multiple cars
- Safe driver discounts save 40% on Nationwide multiple vehicle insurance
Learn how companies like Geico, State Farm, and Nationwide stand apart with unique savings opportunities that can significantly reduce your household’s auto insurance expenses. See which companies have the cheapest minimum auto insurance rates near you by entering your ZIP code into our free comparison tool.
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#1 – Geico: Top Overall Pick
Pros
- Low Premium Guarantee: Geico honors its promise to be affordable by providing a guaranteed minimum coverage rate as low as $72 monthly for more than one vehicle.
- Family Discount Packages: Geico offers savings of up to 25% for families insuring multiple cars under a single policy.
- Mobile Accessibility: The Geico insurance app provides easy management of multiple car policies with instant digital ID cards (Read More: Everything You Need To Know About Geico).
Cons
- Limited Face-to-Face Support: With fewer local offices, multiple-vehicle families may have fewer in-person support options.
- Customer Service Differentiations: Response time differentials for multi-vehicle claims could be disproportionately impacted during high-season periods, thus slowing the resolution process.
#2 – State Farm: Best Customer Service
Pros
- Agent Network Advantage: Local agents provide personalized guidance for selecting optimal coverage levels for multiple vehicles in one household.
- Stacking Discounts Program: State Farm’s multi-car discount stacks with other discounts for unbeatable rate savings on multiple vehicles.
- Affordable Full Coverage: According to the State Farm auto insurance review, its $248 monthly full coverage for multiple vehicles offers exceptional value compared to competitors.
Cons
- Tough Qualification Process: The multi-vehicle discount program requires more paperwork than other companies, which may delay the start of your policy.
- Limited Initial Rate Offerings: If you have a car loan, your multi-vehicle insurance rate may be higher than at other companies.
#3 – Nationwide: Cheapest for Safe Drivers
Pros
- Safety-Based Premium Structure: Drivers with multiple cars receive larger discounts — the better their driving record, the bigger the discount.
- SmartRide Technology: Nationwide usage-based insurance monitors all vehicles on your policy, rewarding consistent safe driving with substantial premium reductions.
- Comprehensive Protection Options: Our Nationwide Insurance review notes that similar comprehensive coverage approaches apply to multiple vehicle policies.
Cons
- Slower Claims Processing: If you’re in an accident involving multiple vehicles, it might take longer for your claim to be processed compared to other insurance companies.
- Technology Requirement: Installing monitoring devices in all insured vehicles is necessary to achieve the company’s highest multi-vehicle savings.
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#4 – Auto-Owners: Best for Handling Claims
Pros
- Dedicated Claims Agents: Every policy ensures several vehicles are allotted their own claims representative for easy communication throughout the process.
- Local Expertise Advantage: Independent agents understand regional factors affecting multiple vehicle insurance rates in your specific area (Read More: Auto-Owners Car Insurance Review).
- Competitive Rates: Auto-Owners multiple vehicle insurance costs start at $82 a month for minimum liability, providing stable rates for households with more than one car.
Cons
- Limited Digital Tools: Its digital and mobile solutions for multi-car insurance are less competitive than its more technologically advanced rivals.
- Regional Availability Restraints: Multiple vehicle coverage is only offered in 26 states, making it unavailable to most potential buyers.
#5 – Progressive: Cheapest Bundled Rates
Pros
- Multi-Policy Integration: Everything you need to know about Progressive insurance is that it simplifies multi-policy management by combining auto, home, and other policies in one system.
- Name Your Price Tool: This unique feature helps families find multiple vehicle coverage options within their specific budget constraints.
- Snapshot Program: Drivers can save over $200 a year on multi-vehicle auto insurance with Progressive Snapshot usage-based insurance.
Cons
- Rate Increase Tendency: Progressive is more likely to raise multiple vehicle insurance rates at renewal than other companies.
- Discount Structure: Drivers with multiple vehicles must also use Progressive for other coverage to get the cheapest rates with bundling discounts.
#6 – Travelers: Cheapest Specialized Coverage
Pros
- Specialized Coverage Features: Its multiple vehicle policies include unique add-ons, such as gap insurance and new car replacement, that are not standard elsewhere.
- Premium Stability Promise: Our Travelers auto insurance review highlights its steady rate protection, even when insuring multiple high-value cars.
- Policy Bundling: Travelers Insurance excels at offering complete packages when insuring several cars, homes, or other policies.
Cons
- Higher Entry Point: Its $88 monthly minimum rate for more than one vehicle is higher than the best competition for standard coverage.
- Qualification Obstacles: Qualifying for the best discounts on more than one car is more difficult than at most other auto insurance companies.
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#7 – Farmers: Cheapest Flexible Plans
Pros
- Flexible Coverage Levels: Offers three distinct packages designed for households with multiple vehicles (Read More: Everything You Need to Know About Farmers Insurance).
- Diminishing Deductible Feature: Each vehicle on your multiple vehicles policy earns deductible reductions for claim-free periods, potentially reaching zero.
- Commercial Vehicle Accommodation: Farmers offers coverage for rideshare drivers or those who use personal vehicles for work, including usage-based commercial auto insurance.
Cons
- Premium Structure Sophistication: Its multi-vehicle rate quotes are perhaps more complicated than others, so it is even more difficult to shop around.
- Minimum Coverage Levels: At $92 monthly for basic protection, its multiple vehicle insurance is 28% higher than the cheapest companies.
#8 – American Family: Cheapest for Loyal Customers
Pros
- Loyalty Reward Program: The discount on more than one vehicle continues to grow with the number of years all vehicles have been insured with American Family.
- KnowYourDrive Program: This telematics option provides significant savings of up to 30% when applied across multiple vehicles in one household.
- Family-Focused Benefits: The company has special provisions for multiple vehicles with young or student drivers (Read More: Car Insurance Discounts You Can’t Miss).
Cons
- Limited Regional Availability: AmFam multiple vehicle insurance is only available in 19 states, limiting access for many customers.
- Modest Initial Discounts: New customers insuring multiple vehicles will have to wait until policy renewal to get the best loyalty discounts.
#9 – Allstate: Cheapest With Discounts
Pros
- Drivewise Technology: Allstate telematics insurance offers household-wide savings when multiple vehicles participate, with discounts of up to 40% for safe drivers.
- Accident Forgiveness Option: This feature protects rates on all multiple vehicle policies following a first accident by any covered driver.
- Milestone Benefits System: The Allstate auto insurance review notes special rate reductions for multiple vehicles at policy anniversaries and life events.
Cons
- Premium Position Pricing: With minimum coverage at $96 monthly, its multiple vehicle rates trend toward the higher end before qualifying for discounts
- Add-On Requirement: The best multi-vehicle rates typically include purchasing additional coverage features beyond the minimum requirements.
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#10 – Liberty Mutual: Cheapest For Teachers
Pros
- Teacher Appreciation Program: Our Liberty Mutual insurance review highlights special multiple-vehicle discounts for educators and their households.
- RightTrack Discount Program: This pay-for-use program offers upfront discounts on multiple vehicles when you join before driving data collection begins.
- Lifetime Repair Guarantee: When insuring multiple vehicles, this repair guarantee follows each vehicle regardless of ownership changes within the family.
Cons
- Highest Base Premiums: With a minimum monthly premium of $100 and $300 for full coverage, its multiple-vehicle rates start higher than those of all competitors.
- Complex Claims Process: Households with multiple vehicles report more documentation requirements when filing claims compared to other insurers.
Best Cheap Auto Insurance for Multiple Vehicles
Comparing auto insurance companies based on both minimum and full coverage rates will help you determine how much car insurance is for two cars per month. Cheap car insurance for multiple vehicles often comes from Geico.
Multiple Vehicle Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $96 | $290 |
| $94 | $276 |
| $82 | $260 |
| $92 | $280 |
| $72 | $236 |
| $100 | $300 |
| $80 | $256 |
| $84 | $264 |
| $76 | $248 |
| $88 | $270 |
However, affordability isn’t the only factor — service quality, claims handling, and available discounts matter. While Geico is the most budget-friendly, companies like State Farm, Nationwide, and Auto-Owners provide competitive full coverage rates with better industry reputations.
Multi-Car Insurance: Comprehensive Coverage & Add-Ons
Finding the best multi-car insurance means considering both affordability and coverage options. Geico and State Farm may be the cheapest multi-vehicle insurance companies, but it’s missing some key comprehensive add-ons that other companies offer.
Multiple Vehicle Auto Insurance Coverage Add-Ons by Provider| Insurance Company | Accident Forgiveness | Gap Insurance | New Car Replacement | Rental Reimbursement | Rideshare | Roadside Assistance |
|---|---|---|---|---|---|---|
| ✅ | ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ❌ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ❌ | ✅ |
| ❌ | ❌ | ❌ | ✅ | ❌ | ✅ |
| ❌ | ❌ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ❌ | ✅ |
| ❌ | ✅ | ❌ | ✅ | ✅ | ✅ |
| ❌ | ❌ | ❌ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ❌ | ✅ |
Companies like Allstate, Farmers, and Nationwide provide well-rounded policies that include accident forgiveness, roadside assistance, and rental reimbursement.
For those seeking very cheap car insurance with no deposit, American Family and Travelers offers strong multi-car policies with key add-ons. However, some insurers, such as Geico and Liberty Mutual, limit options like gap insurance and new car replacement, which could affect coverage for newer vehicles.
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Money-Saving Tips for Multi-Vehicle Auto Insurance
The cheapest way to insure multiple cars is to take advantage of discounts, which can significantly lower your premiums. Multi-car insurance policies typically offer 10-25% savings per vehicle, with Geico, State Farm, and Nationwide offering 20% multi-vehicle discounts.
The table below shows the best discounts available for multi-vehicle car insurance. Bundling home and auto policies with Allstate or Geico can cut costs by 25%. Good students can also save, with State Farm providing a 35% discount.
Multiple Vehicle Auto Insurance Discounts From Top Providers| Insurance Company | Bundling | Good Driver | Good Student | Multi-Driver | Multi-Vehicle | UBI |
|---|---|---|---|---|---|---|
| 25% | 25% | 22% | 15% | 25% | 30% |
| 25% | 25% | 20% | 15% | 20% | 30% |
| 16% | 25% | 20% | 10% | 10% | 30% |
| 20% | 30% | 15% | 12% | 20% | 30% |
| 25% | 26% | 15% | 10% | 20% | 25% |
| 25% | 20% | 12% | 12% | 20% | 30% |
| 20% | 40% | 18% | 15% | 20% | 40% |
| 10% | 30% | 10% | 10% | 12% | $231/yr |
| 17% | 25% | 35% | 12% | 20% | 30% |
| 13% | 10% | 8% | 8% | 8% | 30% |
For more tips to pay less for car insurance, consider installing anti-theft devices and maintaining a clean driving record. Reviewing your multi-vehicle insurance policy every year and comparing quotes online before renewing will also help you find the best multiple vehicle rates.
Finding the Best Auto Insurance for Multiple Cars
When searching for the best cheap auto insurance for multiple vehicles, Geico, State Farm, and Nationwide consistently offer the most value. Geico stands out with its unmatched $72 monthly minimum rate and family-oriented discount packages.
When you bundle, you don’t have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm
— GEICO (@GEICO) April 27, 2023
State Farm’s agent network offers personalized, multi-vehicle guidance that online-only insurers cannot match. Meanwhile, Nationwide’s safety-based premium structure rewards good drivers with discounts across all household vehicles.
The best hacks to save more money on car insurance include combining usage-based programs with multi-car discounts, maintaining excellent credit, and reviewing coverage limits annually to ensure you’re not overpaying for coverage.
Compare quotes from the best multi-vehicle 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.
Frequently Asked Questions
What is the cheapest way to insure multiple cars?
The cheapest way to insure multiple cars is through a multi-vehicle policy with companies like Geico, which offers rates as low as $72 a month. Combine this with other discounts like safe driver, bundling home and auto, and usage-based insurance programs to maximize savings.
Is auto insurance cheaper if you have multiple cars?
Yes, car insurance is typically cheaper per vehicle when insuring multiple cars under one policy. Our research shows insurers offer discounts ranging from 10-25% for multiple vehicles, with Geico, State Farm, and Nationwide providing the most competitive rates for households with several cars.
How much is a multi-car discount usually?
Multi-car insurance discounts typically range from 10-25% off your premium, with top providers like Geico and State Farm offering the higher end of this range. If you can’t afford auto insurance, these discounts become especially valuable, potentially saving hundreds of dollars annually for households with multiple vehicles.
What is the Geico multi-car discount?
The Geico multi-car discount offers up to 20% savings when insuring two or more vehicles under the same policy. This discount applies to most coverage types and can be combined with other savings, such as safe driver and anti-theft discounts.
What is the State Farm multi-car discount?
State Farm’s multi-car discount offers approximately 20% savings when insuring multiple vehicles under a single policy. Their agent network offers personalized guidance for selecting optimal coverage levels, and their $76 monthly minimum coverage rate makes them the second most affordable option.
Does Progressive have a multi-car discount?
Yes, Progressive offers a multi-car discount of approximately 10-12% when insuring multiple vehicles under one policy. Their Name Your Price tool and Snapshot program can provide additional savings of up to 30% based on driving habits, bringing total potential discounts to over 40%.
Read More: State Farm vs. Progressive Auto Insurance
Does Allstate do multi-car discounts?
Yes, Allstate offers multi-car insurance discounts of approximately 25%. Its Drivewise technology provides additional household-wide savings of up to 40%, making it a competitive option despite its slightly higher starting rate of $96 monthly. Find the cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.
What is the cheapest insurance group for cars?
Based on our analysis, Geico leads as the most affordable insurance group for multiple cars, with minimum coverage starting at just $72 per month and full coverage at $236. If you’re facing financial difficulties, consider exploring options like USAA car insurance for military families, which offers competitive rates not included in our general rankings.
Does AARP have auto insurance for multiple vehicles?
Yes, AARP offers car insurance through its partnership with The Hartford, providing special rates and benefits for members aged 50 and over with more than one car. While not featured in our top 10 rankings, they offer multi-vehicle discounts and may be worth considering for eligible households, especially when canceling car insurance with other providers.
Read More: Is it bad to cancel car insurance?
How much is AAA for a year?
Annual AAA membership costs vary by region but typically range from $60-120 for basic coverage, with premium tiers costing $100-200 annually. Their multi-vehicle insurance discount is separate from membership and varies by state, generally offering 10-15% savings when insuring multiple cars.
How much is the AAA multi-vehicle discount?
The AAA multi-car discount typically falls within the 10-15% range when insuring two or more cars under a single policy.
How many vehicles does an AAA membership cover?
A standard AAA membership covers the member, not the vehicle, meaning you can receive roadside assistance for any vehicle you’re in, whether driving or riding as a passenger. When filing an auto insurance claim through AAA’s insurance services, additional policies may be needed for multiple-vehicle coverage.
Read More: How to File an Auto Insurance Claim & Win It Each Time
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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.