Multi-car insurance: Can I add another car or driver to my policy?

Life changes, and that means your insurance needs change, too. Maybe your teen just got their license, or you finally purchased that second vehicle for weekend adventures. No matter the reason, now’s the perfect time to explore ways you can save on insurance.

Many people control costs by bundling their home and auto coverages. Others save by listing multiple vehicles under one policy. But did you know adding another car or driver to your auto insurance could qualify you for a multi-car discount, too?

There’s lots to learn about adding authorized drivers or additional vehicles to your auto policy, so let’s get started.

How does a multi-car discount work?

A multi-car policy typically covers up to five vehicles. Most insurance companies, including American Family Insurance, require that all vehicles on a multi-car policy be registered to the same address. In some cases, however, you may be able to combine policies with immediate family members, even if they live elsewhere. It’s always best to check with your agent regarding your specific situation.

A multi-car discount often works out to be a better deal than insuring each car separately with different companies. It’s a smart way to save and simplify your insurance.

Can I add my friend's car to my insurance policy?

Generally, you can’t permanently add friends or non-family members to your auto policy. However, your policy usually covers anyone who drives your car with your permission.

Can I add my significant other to my car insurance?

Thinking about adding your partner or spouse to your policy? Insurance companies often distinguish between someone who borrows your car occasionally and someone who drives it regularly. Check with your agent to clarify what’s allowed.

Is it cheaper to get multi-car insurance?

Multi-car insurance policies are usually less costly because you’re able to leverage a bundling discount. You’re probably going to save money on auto insurance rates when multiple vehicles are listed on a single policy. And the best part? You get the same great coverage while keeping costs down.

When shopping for quotes, compare your options carefully to find the best fit. Be sure to ask about adding another vehicle to your insurance policy before you sign. You’ll probably be able to, but the “named insured” — or the owner(s) of the vehicles — may have to be identical across all titles in order to qualify.

Adding someone to car insurance temporarily

Getting the right coverage for your household is key. An auto insurance policy typically covers you, your spouse or partner, and relatives who live in your home. If a friend or relative borrows your car now and then, your policy will normally cover them as long as they have your permission to drive your insured vehicle.

If a new driver in your household has just received their driver’s license, you’ll need to add them as an operator to your policy. You can also help them get off to a good start and stay safe by reviewing the basics of defensive driving.

How to add a car to your auto insurance policy

Ready to add another vehicle and check out multi-car savings? Connect with an American Family Insurance agent to get all your cars covered with a customized policy that protects you best.

This article is for informational purposes only and based on information that is widely available. This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.