Multi-Car Insurance Policy: How Many Cars Can Be Insured on a Policy?

There are limits to how many cars can be insured under one policy. Typically, drivers can insure four to five vehicles on the same policy, but your insurer will determine the amount. A multi-car insurance policy can qualify you for auto insurance discounts, saving drivers an average of 14%. Double-check with your provider to ensure there are no restrictions on how many vehicles drivers can insure on the same policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 28, 2021

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What You Should Know

  • The majority of insurers will only allow you to insure up to four to five cars
  • If you have multiple vehicles on a policy, you will qualify for a multi-vehicle policy
  • Motorcycles can’t be added to a multi-car policy as motorcycles must be insured on a separate motorcycle policy

Is there a limit to the number of cars that can be insured under the same policy? How many cars can I have on my insurance policy? Today, we’re answering all your questions to about how many cars can be insured on the same policy to help you with understanding auto insurance – including how to save money when you buy a multi-car insurance policy. Read on to learn more.

To find affordable multi-car insurance rates in your area, enter your ZIP code in our free tool above to get multi-car insurance quotes comparison.

Limit to Number of Vehicles on One Policy

How many cars can I add to my insurance? Insurance companies almost always have how many cars in a driver’s policy can be covered under a single plan. Keep in mind that registering vehicles with insurance is different than registering vehicles with the DMV, so if you are wondering how many cars can you register under your name at the DMV, there is no limit (unlike with insurance).

Typically, insurers allow you to cover a maximum of four of five vehicles under a single policy. This means you can have multi-car insurance for 5 cars maximum.

Who does multi-car insurance policies? Every insurer offers the option to insure multiple vehicles, although the limits to how many vehicles can be one policy will vary. If aren’t sure of your insurer’s maximum vehicle limit, make sure to ask them how many cars can you insure at once before buying a new car.

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Requirements for a Multi-Car Policy

Are you wondering how many cars can you insure with one auto policy in order to qualify for the multi-car policy? There’s one obvious requirement for qualifying to buy multi-car insurance: you need to insure two or more passenger vehicles on the same car insurance policy.

To do that, you’ll need all of the usual information – like the VIN and lienholder information (if applicable) for any vehicles, as well as the driver’s license numbers for all drivers. The information required for a multi-car policy is no different from a single-car policy, aside from the fact that you’re listing multiple vehicles.

What are other restrictions with multi-car insurance policies?

Can one person insure two different cars on a multi-car policy? There are certain other restrictions you may need to know about with insuring multiple vehicles. Some companies offer a discount only if the insured cars are in the same household and insured by related parties. If you’re living with unrelated roommates, for example, then you may not qualify for a multi-car insurance policy. You also can’t have a multi-car policy at different addresses.

Other insurers, however, only require everyone to live at the same address, and they don’t care whether or not you’re related.

Another important thing to note is that you could qualify for a multi-car insurance discount in the middle of your term. Some people instinctively wait for the end of their term to add a new vehicle, when they could be taking advantage of the discount immediately.

Finally, we want to point out that you can’t have multiple insurance policies on the same car. Most insurers will not allow you to do this and may drop you if you have 2 insurance policies on the same car, as it is a form of fraud because the driver is trying to get two claim payments.

Insurers do take these things seriously, as according to the Insurance Information Insitute (III), fraud costs insurers an average of $40 billion annually. So if you ask your insurer can you have two different insurance policies on one car, the answer will be no.

Does the coverage for each vehicle need to be identical?

This is where things get a little tricky. Typically, insurance companies require all vehicles under a multi-vehicle policy to have the same amount of auto liability insurance and uninsured motorist coverage. This is done to ensure there’s no confusion regarding how much liability coverage each vehicle has.

In other words, if you have a liability limit of 100/300/50 on your first vehicle, then you need to have those same limits on your second vehicle.

This isn’t just your insurance company being nitpicky: state laws often require liability limits to be the same for all vehicles under a single policy.

Policyholders, however, are free to adjust collision coverage and comprehensive coverage between vehicles. You might want full coverage on your brand new SUV, for example, while getting rid of collision and comprehensive coverage on your 10+-year-old vehicle.

You can also add, remove, or adjust add-ons however you like – including things like rental car reimbursement or custom car coverage. You’re totally free to add this to certain vehicles under your policy but not others.

There’s one important thing to remember with all this: the insurance company insures your vehicle, not the driver. If your primary vehicle has full coverage, but your secondary vehicle has no collision or comprehensive coverage, then that doesn’t change when someone else drives it.

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Multi-Car Insurance Is an Easy Way to Save Money

If you live in a household with multiple vehicles, then it’s in your best interest to insure your cars under one policy (unless, of course, adding your spouse to your auto insurance policy would cause insurance rates to rise because your spouse has a DUI or some other major incident).

That’s why multi-vehicle insurance policies exist. How many cars do you need to qualify for a discount? Multi-car insurance policy discounts are built for households with two or more passenger vehicles. These vehicles are covered under a single policy. You pay less than you would if you insured each car individually, and you save even more money by bundling vehicle insurance with your home insurance or life insurance.

To see how much you could save, take a look at the table below to see which insurers offer discounts for multi-car policies.

Multi-Car Discount by Providers
Multi-Car Discount by ProvidersOffered?
21st CenturyYes
AAAYes
AllstateNA
American FamilyYes
AmeripriseYes
Amica15%
Country Financial15%
EsuranceYes
FarmersYes
GEICO25%
Liberty Mutual10%
MetLifeYes
Nationwide20%
Progressive10%
Safe Auto15%
Safeco15%
State Farm20%
The General15%
The Hanover5%
The Hartford5%
Travelers8%
USAAYes
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The benefits of a multi-car insurance policy are obvious. However, there are certain requirements to qualify for a multi-car insurance policy beyond the rules of how many cars can you have on your insurance.

You Can’t Insure Cars and Motorcycles Under the Same Policy

The only other restriction you need to know about is that motorcycles and cars cannot be covered under the same multi-car insurance policy.  Motorcycles require a motorcycle policy – not an all cars auto insurance policy. However, you may still be eligible for a discount by ordering through the same insurer for both policies.

Ultimately, multi-car insurance policies are an easy way for drivers to save money on their policies. Typically, you can expect to save 10 to 25% off your liability, collision, and comprehensive coverage.

Multi-car policies generally have a limit of 4 or 5 vehicles. Some insurance companies require all drivers to be related, while others allow anyone living at the same address to qualify for a multi-car insurance policy.

We hope our guide answered all your questions about the number of cars in household insurance you have at once. If you are ready to start shopping for a multi-vehicle policy in your area, enter your ZIP code in our free tool below.

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