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Multiple Policies Car Insurance Discount

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 2, 2021

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Key Takeaways

  • You can save an average of 15 percent with a multiple policies car insurance discount
  • 21 different national companies offer a multiple policies car insurance discount
  • Country Financial provides the largest multi-policy discount at 25 percent

If you purchase multiple insurance lines through the same company, you can receive a multiple policies car insurance discount. Qualifying for discounts is a great way to earn cheap car insurance.

Customers save an average of 15 percent by bundling life and home insurance with their car insurance company.

Below, find out what providers offer this savings opportunity and how you can qualify.

Compare multiple policies car insurance discount rates from reputable companies near you by entering your ZIP code into our free tool above.

What car insurance companies offer a multiple policies discount?

A total of 21 national insurance companies offer a multiple policies car insurance discount. See the specifics in the table below.

Multiple Policies Car Insurance Discount Offered by Company
CompaniesMultiple Policies Discount Offered
21st CenturyYes
AAAYes
AllstateYes - 10%
American FamilyYes
AmeripriseYes
AmicaYes - 15%
Country FinancialYes - 25%
EsuranceYes
FarmersYes
GEICOYes - 10%
Liberty MutualYes - 20%
MetLifeYes - 10%
NationwideYes - 10%
ProgressiveYes - 12%
SafecoYes - 15%
State FarmYes - 17%
The GeneralYes - 15%
The HanoverYes - 10%
The HartfordYes - 20%
TravelersYes - 13%
USAAYes
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You legally must purchase car insurance in almost every state. According to the Insurance Information Institute (III), 60 percent of Americans have life insurance.

If you’re one of those people, you can potentially earn an affordable multiple policies car insurance discount from any of the providers listed above.

What is a multiple policies car insurance discount?

As with many other discount car insurance opportunities, a multi-policy discount rewards you for your customer loyalty.

Your insurance company wants as much of your business as possible.

If you need homeowners or life insurance, your car insurance provider wants to be the one that sells you those alternative insurance lines.

Because other lines of insurance can be pricy, companies usually give substantially discounted rates when you bundle the policies together.

Progressive Insurance notably popularized the term bundling, but now most major car insurance companies also offer this same savings opportunity.

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How can I qualify for a multiple policies car insurance discount?

The rules for qualifying for a multiple policies car insurance discount varies by company.

For the most part, as long as you purchase two or more qualifying lines of insurance from the same provider, you’ll earn the discount.

Your savings amount might change depending on what lines of insurance you purchase.

For example, MetLife takes 10 percent off when you purchase both home and car insurance.

However, you only get 5 percent off if you bundle life and with your Honda Civic policy.

Be careful not to confuse this discount with the specific homeowner car insurance discount some companies advertise.

How much can I save with a multiple policies car insurance discount?

Expect to save an average of 15 percent on your car insurance premiums with a multi-policy discount.

Depending on what provider you use, that amount could be higher or lower.

How much does car insurance cost? Around $1,418 for full coverage nationally. That’s an average discounted rate of $212.70 per year.

Enter your ZIP code into our free tool below and compare multi-car insurance quotes online to help you find the right provider for you at the right price point.

Free Auto Insurance Comparison

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

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