8 Best Auto Insurance Companies for Multiple Vehicles (2026)

Elephant, Geico, and State Farm are the best auto insurance companies for multiple vehicles because they offer big multi-vehicle insurance discounts.

Our Top 8 Picks: Best Auto Insurance Companies for Multiple Vehicles

Geico and Elephant provide the best car insurance for multiple cars with the biggest discounts. Elephant stacks its discount with each vehicle, adding up to 46%.

The best companies for multi-vehicle auto insurance discounts make it easy to add/remove cars from a policy.

Nationwide simplifies this for families with multiple drivers and vehicles through its Family Plan, so the discount increases every time a vehicle is added to a family policy. 

Enter your ZIP code to get started on a cheap multi-car insurance comparison from the best providers for drivers with several cars.

Rates From the Best Auto Insurance Companies for Multiple Vehicles

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 multi-car insurance providers for multiple vehicles.

Monthly Multi-Vehicle Auto Insurance Rates by Company

There are many 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, the drivers on your policy, and where you live all play a big role in determining your rates. Compare multi-car insurance deals from as many companies as possible to find out which one is best for you.

How Multi-Vehicle Auto Insurance Works

Multi-vehicle coverage works just like the policy you have on a single car. The only difference is that, while some coverage will apply to all vehicles, you will have to buy additional insurance per vehicle as you see fit.

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For example, the types of car insurance shared across vehicles on a multi-car insurance policy are:

• Liability Coverage
• Personal Injury Protection (PIP)
• Medical Payments Coverage (MedPay)
• Uninsured/Underinsured Motorist Coverage (UM/UIM)

These coverages are often required by state law, and most insurance companies will stack them across all vehicles listed on your policy if you ever file a claim. Learn the difference between stacked and unstacked auto insurance.

The types of car insurance you buy per vehicle include:

• Comprehensive Coverage
• Collision Coverage
• Business or Rideshare Coverage

Additional coverage like this is not required by law, but you may need comprehensive and collision coverage if you have a lease or auto loan. Similarly, you’ll need a business policy on the vehicle you use for work. Talk with your provider about what kind of coverage you need on which vehicle to ensure you’re not driving without insurance.

Other Ways to Save on Auto Insurance for Multiple Vehicles

Adding a car to your policy can qualify you for more discounts, along with a multi-vehicle discount. Depending on your situation, you could earn:

• Student-Away-At-School Discount: Keeping a college student’s car insured on your policy while they’re away at school can lower auto insurance rates.
• New Car Discount: Most companies offer discounts for buying a new car and adding it to your current policy. Make sure you know how to transfer auto insurance to a new car if you’re willing to switch.
• Multi-Policy Discount: If you own or rent your home, combine your auto insurance with your homeowners or renters policy for a bundle discount.

However, car insurance companies with the biggest multi-car discounts may not always have the cheapest rates based on your driving record and demographics. And the lowest rate doesn’t always mean the best insurance company.

Cheap auto insurance isn’t a good deal if your claim isn’t paid, so always look at reputation rankings and customer reviews to find the best auto insurance companies for multiple vehicles.

8 Best Auto Insurance Companies for Multiple Vehicles

Elephant, Geico, and State Farm are the best auto insurance companies for multiple vehicles. Check out our pros and cons to see why these top providers offer quality coverage for households with multiple cars.

#1 – Elephant: Top Pick Overall

Pros

• Industry-Leading Multiple Vehicle Insurance: A 46% multi-vehicle discount is the highest among all multi-car insurance providers.
• Comprehensive Multi-Vehicle Coverage Perks: Up to $1,000 in custom parts coverage, guaranteed repairs, and accident forgiveness after three years without claims for all multi-car insurance policies.
• Innovative Diminishing Deductible Across Fleet: Deductible reduction applies to all vehicles on multi-cover insurance policies and continues to diminish after one year without resetting after claims.

Cons

• Limited Availability: It is only available in eight states (GA, IL, IN, MD, OH, TN, TX, VA), restricting access to the best insurance for multiple cars for many families.
• Higher Complaint Rates: Receives more customer complaints than other multi-auto insurance providers of its size. Get full ratings and reviews in our Elephant auto insurance review.

#2 – Geico: Best for Low Rates

Pros

• Substantial Discount: A 25% multi-vehicle discount makes Geico one of the best multi-car insurance providers for families seeking multiple car insurance savings (See More: Geico Auto Insurance Discounts).
• Exceptional Student Discounts For Multi-Car Policies: 20% discount for students away at college, plus 15% new vehicle discount when adding cars to existing multi-vehicle insurance quotes.
• Multi-Person Car Insurance: The best multi-vehicle insurance coverage is available in all 50 states, making it accessible for family auto insurance needs with a streamlined multi-car quote process.

Cons

• Higher Costs For High-Risk Drivers: Multi-car insurance quotes are significantly higher for drivers with tickets or poor credit compared to other multi-auto insurance providers.
• Limited Gap Coverage For Multi-Car Policies: Does not offer gap insurance protection for auto loans or leases on multiple vehicles, a disadvantage for families with financed cars.

#3 – State Farm: Best for Fast Claims

Pros

• Reliable Multi-Car Insurance Discount: A 20% multi-vehicle discount provides consistent savings for families comparing multiple car insurance options.
• Superior Claims Handling: Top five ranking in J.D. Power Claims Satisfaction Survey. See the reviews and rankings in our full State Farm auto insurance review.
• Leading Usage-Based Insurance: Top three in UBI customer satisfaction, offering potential additional savings for families seeking multi-vehicle car insurance with telematics programs.

Cons

• Limited Multi-Car Insurance Availability: Not writing new multi-auto insurance policies in RI or MA, restricting access for some families seeking group auto insurance.
• Missing Premium Policy Features: Unlike some competing multi-car insurance providers, accident forgiveness or diminishing deductibles are not available for multi-car insurance policies.

#4 – Nationwide: Best for Families With Multiple Vehicles

Pros

• Strong Multi-Car Insurance Discount: 20% multi-vehicle discount with increasing savings as more vehicles are added to family auto insurance policies. Explore more discount options in our Nationwide auto insurance review.
• Affordable Teen Coverage For Multiple Cars: Competitive auto insurance for teens rates make it the best insurance for two cars when families have young drivers.
• Extensive Multi-Vehicle Insurance Coverage: This coverage is available in 47 states, making it accessible for most families wondering how to get multiple car insurance quotes.

Cons

• Below-Average Customer Service: Poor performance in customer service and claims satisfaction compared to other multi-car insurance providers.
• Higher Rates For High-Risk Multi-Vehicle Coverage: More expensive than competitors for drivers with tickets and accidents seeking insurance for multiple cars.

#5 – Farmers Insurance: Best for Additional Discounts

Pros

• Extensive Discount Portfolio For Multiple Vehicles: Offers the most auto insurance discounts among multi-car insurance providers, maximizing families’ savings potential.
• Broad Availability: Coverage in 49 states makes it accessible for most families seeking multi-car and van insurance.
• Strong Customer Satisfaction For Multi-Car Policies: Fewer complaints than other multi-auto insurance companies, indicating better service quality.

Cons

• Undisclosed Discount Amounts: The company does not publish specific discount percentages online, making it difficult to compare multi-vehicle insurance quotes.
• Restricted California Availability: No longer writing new multi-car insurance policies in California (Learn More: Farmers Auto Insurance Review).

#6 – Progressive: Best for Unique Multi-Car Coverage

Pros

• Specialized Multi-Vehicle Insurance Features: 12% multi-car discount plus unique coverage options, including rideshare insurance, deductible savings bank, and gap insurance for multiple vehicles.
• Pet Protection Across Multiple Vehicles: Collision policies cover vet bills for pets injured in accidents, valuable for families with best insurance for multiple cars.
• Nationwide Access: Available in all 50 states for families seeking comprehensive multi-vehicle car insurance coverage.

Cons

• Higher Costs For Young Drivers On Multi-Car Policies: Above-average rates for teens and drivers with bad credit seeking multi-auto insurance.
• Poor Claims Satisfaction: Below-average performance in the J.D. Power Survey for multi-car insurance policies. Our complete Progressive review goes over this in more detail.

#7 – The Hartford: Best for Senior Drivers

Pros

• Competitive Bundling Discounts For Multiple Vehicles: Up to 20% savings when combining home and multi-car insurance policies, plus a 10% multi-vehicle discount for comprehensive savings.
• Cheap Car Insurance for Multiple Vehicles: Affordable auto insurance for seniors with AARP member exclusive discounts on multi-car insurance quotes.
• Specialized Coverage For Mature Drivers: Tailored multi-auto insurance options designed specifically for senior drivers managing multiple vehicles.

Cons

• Higher Multi-Vehicle Insurance Costs For High-Risk Drivers: Compared to other multi-car insurance providers, drivers with tickets pay higher rates.
• Costly Teen Coverage on Multi-Car Policies: Rates are not competitive for drivers under 25 seeking the best multi-vehicle insurance. Compare rates in our review of The Hartford auto insurance.

#8 – USAA: Best for Military Drivers

Pros

• Exceptional Multi-Vehicle Insurance Rates: Consistently the lowest rates for all eligible drivers seeking the best multi-car insurance. Learn more in our USAA auto insurance review.
• Comprehensive Financial Services for Military Families: Multiple insurance products and banking services are designed for military members managing multiple car insurance policies.
• Superior Customer Satisfaction: Fewer complaints than other multi-auto insurance providers, reflecting high service quality for group auto insurance needs.

Cons

• Undisclosed Multi-Vehicle Discount Amounts: It does not publish specific multi-car insurance discount percentages online, requiring personal quotes for multi-vehicle insurance.
• Exclusive Military Eligibility: Coverage is only available to military drivers and their families, limiting access to the best insurance for multiple cars.

How to Find The Best Multi-Car Insurance Provider

Who offers the best multi-car insurance? Elephant is the best car insurance company for multi-vehicle policies based on discounts, rates, and national availability, but Geico has bigger discounts if it’s available in your state.

Get multi-car insurance quotes to get the best deal possible from these top companies. For families with young drivers, Nationwide offers the best rates on multi-vehicle auto insurance.

The easiest way to find the best auto insurance companies for multiple vehicles is to comparison shop online. Our top eight picks are a great place to start, but enter your ZIP code to get a multi-car insurance comparison from local companies based on your age, location, and the number of vehicles you want to add to your policy.