Best Car Insurance Companies That Can Insure Six Vehicles to a Household in One Policy (2021)


The best car insurance companies that can insure six vehicles to a household in one policy are GEICO and Progressive. But, unfortunately, affordable car insurance companies that don’t insure six vehicles to a household in one policy are more common. You can make policy changes online or through a mobile app.

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Written by
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Reviewed by
Farmers CSR for 4 Years
UPDATED: 2022-09-01T04:19:33.084Z
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What You Should Know

  • The best car insurance companies that can insure six vehicles to a household in one policy are GEICO and Progressive
  • Affordable car insurance companies that don’t insure six vehicles to a household in one policy are far more common
  • Most insurance providers only allow up to four vehicles on a single car insurance policy

Many families own more than one vehicle that needs to be insured. Fortunately, GEICO and Progressive are the best car insurance companies that can insure six vehicles to a household in one policy when requesting an online quote.

Below, learn how to get cheap car insurance by securing a multi-car policy for all six of your vehicles. You may even earn some family car insurance discounts.

After you learn about car insurance rates from companies that can insure six vehicles to a household in one policy, enter your ZIP code into our free tool above to receive quotes from the top providers near you.

What are the best car insurance companies that can insure six vehicles to a household in one policy?

Insurance is legally required in almost every state. But how many cars can you have on your insurance policy?

Most providers allow you to add up to four cars to a single policy when requesting a quote. This is known as a multi-car policy.

Suppose you need to insure multiple vehicles and want to avoid car insurance rates from companies that don't insure six vehicles to a household in one policy. In this case, you only have two providers to compare.

The following are affordable car insurance companies that can insure six vehicles to a household in one policy with no questions asked:

Of the two providers, the best car insurance company that can insure six vehicles to a household in one policy in terms of cost alone is typically GEICO.

While both Progressive and GEICO are available in all 50 states, GEICO usually offers more competitive rates and provides cheaper car insurance for parents with teen drivers.

However, the following national companies only allow up to four cars per policy when seeking out quotes online, while Farmers technically accepts five:

If you do get car insurance quotes from companies that don't insure six vehicles to a household in one policy, try calling the provider directly.

Speak with an agent to explain your situation, as some might make an exception for you.

This is especially true if you have a clean driving record or a positive relationship with the provider. High-risk drivers, however, might be denied.

Ultimately, many different variables impact the cost of your car insurance, including your age, driving record, and ZIP code.

Local laws also affect your rates, plus not every provider is active or available in every state.

So to secure the best car insurance for drivers with multiple vehicles in your region, compare quotes online from different providers.

How many vehicles can you insure with one car insurance company?

According to DataUSA, the average American household owns two cars. But most insurance companies allow you to add up to four vehicles on a single car insurance policy.

However, some providers make exceptions and will allow you to add more than four cars.

Can you add a car to your insurance online? Usually, you can make policy changes online, through a mobile app, or by accessing your customer portal.

For example, our top recommended provider, GEICO, makes adding and removing vehicles incredibly easy on the customer mobile app.

But because six vehicles exceed the limit through most other providers, you might need to call those companies directly to explain your situation and request adding more than four vehicles to your policy.

But remember, of the national providers, Farmers allows you to add up to five vehicles on your online quote form without asking any questions.

Progressive accepts eight cars, and GEICO allows for up to nine on a multi-car policy.

What is a multi-car policy? It is simply a single policy that covers two or more vehicles.

It’s often an easy way to secure cheaper car insurance for young families or households with multiple drivers. But what are the benefits of a multi-car policy?

Covering all of your household vehicles under one policy is more convenient for most families. So, yes, you can have more than one car insurance policy in the same household.

Everything is dealt with through one company and in one place, including claims, bills, or policy changes.

You can also save money with a multi-car policy. Usually, insuring different vehicles with different insurance companies costs more money than keeping them under one policy.

What’s the cheapest insurance company for a driver with two vehicles?

Compare the average annual cost of car insurance policies with multiple vehicles from some of the top providers:

  • USAA – $2,234.61
  • GEICO – $2,252.73
  • Nationwide – $2,525.74
  • State Farm – $2,894.47
  • Progressive – $3,365.38
  • Allstate – $3,833.12

While USAA is often the most affordable provider, it’s also a car insurance company that doesn’t insure six vehicles to a household in one policy. Plus, only military personnel and their families can use USAA.

If you do buy car insurance from companies that don't insure six vehicles to a household in one policy but own that many cars, you have a few options.

Your best bet is to shop around and find a new provider that does accept all of your vehicles.

Just be prepared to call companies directly rather than use online quote tools. Also, don’t forget to include local agencies.

Alternatively, can you have more than one car insurance policy in the same household?

Fortunately, you can have as many insurance policies as needed under your roof. But often, this costs more than using a single multi-car policy.

Can the vehicles have different insurance coverage options?

If you purchase car insurance for multiple vehicles, you might wonder, does the coverage need to be the same on each vehicle?

It depends on the type of insurance you purchase. Some coverages, including liability and uninsured/underinsured motorist protection, are shared across all cars equally.

But other coverages, like comprehensive and collision insurance, can be set at different levels for each of your vehicles.

How much coverage should you carry on your vehicles? Purchase at least your state’s minimum legal requirements, but invest in full coverage if it fits your budget and needs.

If you’ve experienced certain life milestones, it may be time to reassess your car insurance policy.

New cars for a growing family, marriage, buying a home, adding a teen driver, and even a recent marriage may lead to additional discounts and savings.

Can you save money on car insurance with a multi-car policy?

Multi-car policies typically lead to lower car insurance rates because you give more of your business to a single provider.

As both an incentive and reward for your customer loyalty, many companies offer specific multi-car discounts.

How much is a multi-car discount? It varies by provider, but drivers usually save around 20% on their annual policies.

Check out the possible percentage you can save from the following top providers below:

  • AAA – 15%
  • Amica – 25%
  • GEICO – 25%
  • State Farm – 20%

Discount rates and availability vary by state. Plus, not every provider publicly advertises how much you can save.

So it’s still important to compare quotes from providers that don’t offer substantial multi-car discounts.

What’s the best car insurance for families with multiple cars? GEICO and State Farm offer cheap rates and stackable discounts.

However, to secure the best policy for your family, you should compare quotes online.

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Can you get car insurance without a car?

If you do not own a car but often drive other people’s vehicles, you can still purchase car insurance.

Typically, non-owner car insurance is only recommended to people who do not own vehicles but often rent, borrow cars, or use ride-sharing services.

How much does non-owner car insurance cost? Usually, these policies are cheaper than average and cost around $500 annually.

But what is non-owner car insurance? It’s a policy that follows you, the driver, and protects you with your state’s legal limits, plus some optional add-ons.

How does non-owner car insurance work? First, it provides liability coverage for you when you’re driving vehicles you do not own.

If you cause an accident, it’ll help pay for the associated damages.

Plus, you can often add personal injury protection (PIP) or underinsured/uninsured motorist protection as well. However, it does not cover any damage to the vehicle you are driving.

To find the best non-owner car insurance companies in your region, compare quotes online from different providers.

Car Insurance Companies That Can Insure Six Vehicles to a Household in One Policy: The Bottom Line

If you want to buy car insurance from companies that can insure six vehicles to a household in one policy entirely online, then your best options are GEICO or Progressive.

Other providers only accept up to four vehicles on a single policy unless you call and explain your situation to an agent.

You’ve compared car insurance quotes from companies that can insure six vehicles to a household in one policy, now compare rates from the best providers near you by entering your ZIP code into our free tool below.

References:

  1. https://datausa.io/profile/geo/united-states
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