Best Auto Insurance Companies for Multi-Vehicle Households (2024)

If you are insuring multiple vehicles, it is important to look into the best auto insurance companies for multi-vehicle households and know how to get a multi-vehicle auto insurance discount with top-notch insurance providers. The best companies for multi-vehicle households make it easy to add and remove cars and, of course, have low rates from the start.

So what companies are the best picks if your garage is overflowing? We’ll cover everything you need to know to find the best car insurance for multiple cars.

If you want to get started on finding the best auto insurance for your vehicles, enter your ZIP code into our free online quote comparison tool.

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Finding the Best Provider for Two or More Vehicle Families

We gathered average rates from the top auto insurance companies, and then gathered the amount of the discount they offer for insuring more than one car. We used those numbers to rank the top insurance companies for average savings.

The cheapest rate doesn’t always mean the best insurance company. Cheap rates aren’t a good deal if your claim isn’t paid.

To add reputation into the rankings, we also looked at customer reviews. Our top picks for multiple-car households are the best companies at the best price.

There are a lot of factors that affect auto insurance rates, so the average rates at any given company might not apply to you. The type of car you drive, your driving record, and where you live all play a big role. What that means is that while these companies are a great place to start, comparing rates for your own situation will find you the best price.

Whether you need multi-car insurance for two drivers or have to hunt down cheap multi-car insurance for five cars, the list below of the best multi-car insurance companies can help.

Top Auto Insurance Companies for Multiple-Vehicle Homes

What company is the best for multi-car insurance? These companies offer low rates with multi-car discounts that lower the price even more. They’re also highly rated.

#9 – Liberty Mutual

Average Monthly Rate: $506
Multiple Car Discount Amount: 10%
Customer Rating: 3.97

Liberty Mutual’s average rate is the highest on our list, but the region makes a big difference. There are states where Liberty Mutual is the cheapest option. That’s a good reminder to always take averages with a grain of salt.

Liberty Mutual advertises that it allows you to customize your auto insurance policy, which sounds like a great selling point but in reality is true of most insurance companies.

With a 10 percent multiple vehicle discount, Liberty Mutual offers a good deal for insuring more than one car. They might be the best option in your area.

#8 – Travelers

Average Monthly Rate: $370
Multiple Car Discount Amount: 8%
Customer Rating: 4.08

Travelers’ average rates are quite a bit lower than Liberty Mutual, so the lower discount at 8 percent doesn’t drop them down the list. Travelers is also known for affordable home insurance, so they’re a good pick for bundling all of your insurance to save even more.

Read more: Travelers Auto Insurance Review

Travelers ranks better with customers as well, in spite of a lower J.D. Power rating for claims satisfaction. Again, regional differences can explain some of that discrepancy.

#7 – Farmers

Average Monthly Rate: $350/month
Multiple Car Discount Amount: N/A
Customer Rating: 3.99

Farmers’ average rates are higher than most, and they don’t publish the amount of their multi-vehicle discount. That makes it hard to say exactly how much you’ll save. That said, they do have a long list of other discounts, all of which can add up.

Farmers ranks above average on the J.D. Power claims satisfaction survey, above some of the cheaper companies on the list. Read our Farmers auto insurance review for more information on the company.

#6 – Progressive

Average Monthly Rate: $336
Multiple Car Discount Amount: 10%
Customer Rating: 4.06

Progressive is the third-largest auto insurance company in the nation and is frequently listed among the most affordable insurance companies. It was something of a pioneer in online rate comparisons, being the first to let you compare to other companies on its own website.

Although it does have a reputation for affordability, Progressive’s rates are not the cheapest on our list.

Progressive offers a 10 percent discount for insuring more than one car and with the option to easily make changes to your policy online or through the app. If you’re shuffling cars around a lot, that’s a big bonus.

Read more: Progressive Auto Insurance Review 

#5 – Nationwide

Average Monthly Rate: $288
Multiple Car Discount Amount: 20%
Customer Rating: 4.02

Nationwide has a low average rate of $288 a month and an impressive 20 percent discount when you insure more than one car. That’s a big price reduction that will soothe the shock of adding your teenager’s first car to your policy. Nationwide also makes it easy to manage adding and replacing cars on your policy using its app.

Nationwide also offers a lot of other discounts and is a one-stop-shop for most of your insurance needs, even underwriting its own pet insurance while most large companies farm it out. If you like keeping all of your insurance in one place, Nationwide might be it. Learn more in our Nationwide auto insurance review.

#4 – American Family

Average Monthly Rate: $287
Multiple Car Discount Amount: N/A
Customer Rating: 4.04

American Family doesn’t publish the amount of their multi-car discount either, but their rates are lower on average, which makes any discount a good deal. They’re known for rates that can vary a lot by location, so get your own quotes to compare.

American Family is also known for varying reputation by area. J.D. Power’s overall rankings of insurance companies are done by region, and American Family nabs the top spot in the Southwest region while ranking poorly in other places.

#3 – State Farm

Average Monthly Rate: $272
Multiple Car Discount Amount: 20%
Customer Rating: 4.11

State Farm is the giant of the insurance world, and it shows up on most lists of the best companies. That’s because despite being the biggest company and still using the old-school captive agent approach, State Farm actually has some of the best rates around.

Since captive agents take a commission, it can often mean higher insurance rates.

Average rates of $272 a month, a 20 percent discount for insuring multiple vehicles, and the personal service of an agent to help you keep track of all those cars and their coverage is a combination that is hard to beat. And State Farm provides all of that with solid customer ratings, too.

#2 – Geico

Average Monthly Rate: $268
Multiple Car Discount Amount: 25%
Customer Rating: 4.11

It’s not uncommon to see Geico and State Farm battle it out. They’re the two biggest auto insurance companies in the U.S., and while State Farm pulls ahead in market share, it’s Geico that beats State Farm for multi-car households.

Learn more: Geico Auto Insurance Review 

Geico has the second-lowest average rate of any company on our list, and when it comes to cheap rates, it’s a company that’s hard to beat. Add a whopping 25 percent multi-vehicle discount and all of the easy mobile access to updating and checking policies, and Geico is a great choice if you don’t qualify for the number one company on our list.

#1 – USAA

Average Monthly Rate: $211
Multiple Car Discount Amount: N/A
Customer Rating: 4.73

USAA is consistently among the top-ranked and cheapest insurance companies out there. Unfortunately, it’s the least accessible of the companies on our list. You have to be a current or former military member or family to qualify for coverage. If that’s you, odds are good USAA will have the lowest rates for all of your cars.

Learn more: USAA Auto Insurance Review 

USAA doesn’t publish its discount amounts, but with an average rate of $211, well under the others on our list, any discount amount can only make an already sweet deal sweeter.

Full Results: Determining the Best Providers for Multiple Vehicles

The chart below shows how all of the insurance companies included in our study ranked for multi-car households. Take a look at how your insurance company stacked up, and how the biggest names in insurance ranked as well.

Many of the companies ranked lower due to a lack of available data. Companies that don’t publish discount amounts, for example, make it hard to rate them. Transparency in rates and discounts makes shopping for auto insurance easier, and it helps consumers to know what to expect from rate comparisons.

It bears repeating that your results will vary. Get quotes from as many companies as possible to find out which one is best for you.

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Methodology: Ranking Auto Companies for Multi-Vehicle Policies

We started by ranking all of the insurance companies for average annual rates, using data sourced from Quadrant Data Solutions. We then gathered discount information from the individual company websites to determine the savings offered for insurance multiple vehicles.

We ranked the companies for customer services using customer reviews on Clearsurance, which ranks all companies on a five-star system.

Very few situations save you more money on auto insurance than comparing live quotes from different auto insurance companies. Plug your ZIP code into our free online quote generator to find the best auto insurance rates for your multiple vehicles (or vehicle) based on your demographic information.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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