Can One Driver Have Insurance for Two Cars? How to Get the Best Insurance for Your Cars

It is possible for one driver to insure multiple cars — you can list two or more cars under your name on one policy. It’s usually cheaper to add four-door sedans, while adding a classic car or sports car to your policy will more than likely increase your average annual per-car premium.

If you use one car more than another, there are policy options available. It’s a good idea to take advantage of discounts and shop around. MoneyGeek provides an in-depth analysis of how to insure multiple cars, available discounts and rates.

• Can One Driver Insure Two Cars?
• Best Discounts When You Own Two Cars
• How Much Does a Second Car Insurance Cost?
• Frequently Asked Questions

Yes, car insurance providers can insure multiple vehicles under one name. Sometimes, they provide a multi-car discount. One driver can get insurance for two cars on the same policy or two separate policies.

If there are multiple cars garaged or kept at your primary residence, you can list them under one policy. When insuring a new vehicle, most companies provide a multiple car discount. You can ask your auto insurance provider or browse MoneyGeek’s list of companies below that offer discounts for one driver insuring two cars.

Car insurance providers let drivers insure two vehicles with separate policies. Although this can increase rates, drivers who shop around might grab a cheaper deal with sufficient coverage.

If you want to estimate the cost of car insurance before shopping around, MoneyGeek has a car insurance quote calculator. It can help you figure out the best way to insure multiple cars.

The best and easiest insurance discount to get for two or more cars is the multiple car discount. A home and auto bundle discount or pay-per-mile insurance might help, too, especially when your insurance is pricier than expected. MoneyGeek provides short explanations below to learn more about each discount type.

MoneyGeek’s research shows that the cost to insure a second car costs almost the same as getting normal insurance. However, having two cars on one policy is typically cheaper than insuring two cars on separate policies or with different carriers.

But, insurance for your second car costs more if it is an expensive vehicle, classic or sports car. Because these car types pose more risk for insurance companies, they increase the premium.

How much insurance is on a second car depends on where you live, your car type, your driving history and coverage choices.

A multi-car insurance discount is usually an effective way to find savings if you have a second vehicle to insure. MoneyGeek answered the most common questions about insuring two cars for one driver.