How Many Cars Can You Have On Your Insurance Policy

If you’re adding another vehicle or more drivers to your household, you’re probably curious how many cars you can have on one insurance policy. Is there a limit to the amount of vehicles you can have on one policy? Let’s break it down.

When you purchase an additional vehicle or experience certain life events—like getting married or your teens reaching driving age—it may be time to add additional vehicles to your insurance.

In this guide, we’ll give you the answers you need to make smarter car insurance decisions about multi-car policies.

Is There a Limit on the Number of Vehicles on One Policy?

The amount of vehicles allowed on a single car insurance policy will depend on the state you live in and your insurance company’s rules.

If you have more vehicles that you need to insure than are allowed on one single policy—say, you have multiple vehicles in your household for multiple drivers—you may need to purchase a secondary policy through your insurer.

Remember, these limits will vary by state and by the insurance company, so if you want to find out the vehicle limit for your specific policy, check with your insurance company or insurance agent directly.

What Is a Multi-Car Policy?

A multi-car policy is an auto insurance policy that insures two or more vehicles that are garaged at the same address. Typically, this means the vehicles are parked and stored at the same address.

Your insurance company will determine what vehicles are eligible to be insured on the same policy.

What Are the General Requirements for a Multi-Car Policy?

Now let’s get into the requirements for a multi-car policy.

First and foremost, for a car to be added to a multi-car policy, it typically needs to be garaged at the same address as the other vehicle(s) on the policy. (But remember, there are some situations where a car might be regularly at another address, such as a student off at college).

In general, your car should be insured for the state and address where it’s garaged. If you have multiple cars located in different states—let’s say you live in Chicago but have a vacation home with an additional car stored and registered in Arizona—you would usually need separate policies for those cars.

However, depending on your insurance company and your state’s insurance regulations, you may be eligible to receive a multi-car discount if you insure your cars that are located in different states with the same company.

How Do You Get a Multi-Car Policy and Add Another Car to Your Insurance?

For a multi-car policy, you will need to provide the same information to add another vehicle that you did when you bought your initial car insurance coverage, including:

The year, make, and model of the vehicle you’re adding to your policy
Your Vehicle Identification Number (VIN)
The number of miles you drive the vehicle on an annual basis
The names, birth dates, and driver’s license numbers of other drivers you want to add to your policy (if any)

A quick note on additional drivers: If you’re adding another vehicle to your policy, it might be time to update other parts of your policy, too. If you’ve recently gotten married—or if you live with someone—you may need to add them to your policy as an additional driver (if you haven’t already). Check with your insurance company or insurance agent for specifics on your individual policy.

Adding a new vehicle is also a great time to shop around for car insurance quotes to make sure you’re getting the best rate.

Clearcover makes getting car insurance—and adding additional vehicles to your policy—super easy. You can get a free, no-obligation quote in minutes. Our Coverage Wizard makes getting a car insurance quote and finding the coverage you need easier than ever.

Do All the Coverages Need to Be the Same in a Multi-Car Policy?

No, not all the coverages on a multi-car insurance policy need to be the same—but there are certain coverages that are applied to the entire policy, like some types of liability coverage.

Essentially, it breaks down like this:

Some coverages on a multi-car policy are set per policy, meaning they apply to all vehicles or drivers on the policy—like bodily injury liability and property damage liability coverages.
Other coverages on a multi-car policy are set per vehicle, meaning you can adjust your coverage amount for each vehicle—like comprehensive and collision coverages or alternate transportation coverage.

An important note here: The state you live in also determines which coverages can be set differently for individual vehicles on a multi-car policy. Each state is different, so check with your specific insurer to learn more.

Here’s an example of how this might look:

You and your spouse decide to share a car insurance policy for both your vehicles to benefit from a multi-car discount. You have a brand-new SUV, while your spouse drives an 18-year-old sedan.

On your shared multi-car policy, you can include comprehensive and collision coverage for your new SUV, while your spouse can choose to go without comprehensive and collision coverage for their older vehicle. You would both work together to determine bodily injury liability and property damage liability coverages that you’re both comfortable with, which will apply to all vehicles on the policy and cannot be adjusted per vehicle.

What Are the Advantages of a Multi-Car Policy?

On average, Americans have 1.9 cars and 1.8 drivers per household (1).

Now, we know that you can’t have a ninth of a vehicle—at least, one that’s drivable—but most households in the U.S. have more than one car and more than one driver. Multi-car policies can help drivers save money, simplify their lives, and even benefit from combined coverages in some states.

Let’s dive a little deeper into these advantages.

Savings on Your Premiums

Multi-car policies can help you save money on your car insurance premiums. Usually, you can save on your premiums by insuring two cars with one insurance company on one multi-car policy, rather than insuring multiple cars on separate policies.

Discount amounts vary by state, so the best way to see how much you could save on your premiums by adding an additional vehicle is to get a quote.

You Only Have to Worry about One Renewal Date

When you have multiple vehicles on one insurance policy, you only have to worry about one renewal date.

Your policy’s renewal date is the date when it’s time to renew your car insurance policy.

Rather than maintaining separate policies with unique renewal dates for each vehicle, having one renewal date (and one recurring payment date) for multiple vehicles can help you stay organized and make things simpler. One renewal date can also help you keep track of increases in your premiums and help you know if it’s time to switch car insurance companies to possibly save money.

You Can Stack Your Coverage (In States That Allow It)

Depending on the state you live in and your insurance company’s rules, you may be able to stack certain types of car insurance coverages on a multi-car policy.

When you “stack your insurance,” you can increase your coverage amounts on one policy and benefit from the combined coverage amount.

For example, let’s say you and your spouse share a multi-car insurance policy. You select a $25,000 per person limit and $50,000 per accident of uninsured motorist bodily injury coverage for you and the same for your spouse—and you live in a state and have an insurance company that allows you to stack these coverages.

For an additional premium, if you’re in an accident with an uninsured motorist, you might be able to benefit from the full combined coverage amount of $50,000 per person and $100,000 per accident if you have stacked coverage.

Get All of Your Cars Insured with Clearcover

So, how many cars can you have on your insurance policy? Well, that all depends on your insurer.

If you’re hoping to save money on insuring multiple cars, a multi-car policy may be able to help you get discounts. Shopping around for a multi-car policy is an essential step in making sure you’re getting great coverage for an affordable price.

Clearcover makes getting a car insurance quote for multiple cars—and adding new vehicles to your existing policy—quick and hassle-free. Through our innovative technology, we built affordable car insurance that’s smarter, faster, and puts you in control.

(And you can switch your insurance company any time!)

Not a Clearcover customer yet? Take control of your coverage and see what you can save on a multi-car policy today.