Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 19, 2021

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The Short of It

  • The top auto insurance companies that can insure five vehicles to a household in one policy are GEICO, Progressive, and Farmers
  • Affordable auto insurance companies that don’t insure five vehicles to a household in one policy include Allstate, Liberty Mutual, and Nationwide
  • But if you speak to an agent directly, most companies allow responsible drivers to add up to five cars to their auto policies

GEICO, Progressive, and Farmers are the top auto insurance companies that can insure five vehicles to a household in one policy without question. However, most companies usually allow up to four cars.

Below, discover tips for finding the best auto insurance company that can insure five vehicles to a household in one policy for you.

After learning about auto insurance rates from companies that can insure five vehicles to a household in one policy, remember to enter your ZIP code into our free comparison tool above to receive quotes from reputable providers near you.

What are the top auto insurance companies that can insure five vehicles to a household in one policy?

A common question drivers ask is, how many cars can you have on your insurance policy?

Typically, most companies allow up to four vehicles without question.

In fact, of the national providers, there are only three affordable auto insurance companies that can insure five vehicles to a household in one policy automatically:

It’s far more common to receive auto insurance quotes from companies that don’t insure five vehicles to a household in one policy without speaking directly to an agent and requesting it.

The following providers only allow customers to request quotes for up to four cars online:

However, it’s possible that in some states, these companies may make an exception.

For example, State Farm is an auto insurance company that doesn’t insure five vehicles to a household in one policy unless you speak with an agent directly.

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What is a multi-car auto insurance policy?

If you’re looking to buy auto insurance from companies that can insure five vehicles to a household in one policy, then you’re looking for a multi-car policy.

A multi-car policy covers more than one vehicle under a single contract.

Who typically needs multi-car policies? Married couples, people with children, and people who share vehicles benefit from this type of insurance.

How does a multi-car policy work? First, add the vehicle identification number (VIN) and other information about each car you own and who drives them on the application. Also, name a primary driver for each vehicle.

Some coverages, like liability and uninsured motorist coverage, are shared equally among all vehicles on the policy.

But limits for other insurance types, like comprehensive or collision, can usually be changed per car.

How much do multi-car policies cost? Take a look at the average annual cost of auto insurance for a policy with multiple vehicles from the leading 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

Who can you put on a multi-car auto policy? Anyone you live with and share vehicles with, including children, your spouse, or even roommates.

According to DataUSA, the average number of vehicles per household is two, but most providers allow up to four cars on a single policy.

So most people can buy auto insurance from companies that don’t insure five vehicles to a household in one policy with no issues whatsoever.

So if you comparison shop for rates online, know that it’s far more common to receive auto insurance rates from companies that don’t insure five vehicles to a household in one policy without contacting an agent.

But can you have more than one auto insurance policy in the same household?

Fortunately, yes, this is very common, especially among families with high-risk drivers or roommates.

Which auto insurance companies have the best multi-car discount?

Fortunately, many auto insurance providers offer multi-car discounts typically applied when you add a second car to your contract.

How much is a multi-car discount? It depends on what provider you use, but expect to save an average of 20%.

The following companies offer the most substantial multiple vehicle discounts:

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

If you’re insuring five vehicles under a single policy, you’ll easily qualify for multi-car discounts from any of the leading providers.

So remember to consider multi-car discounts when you comparison shop for your best auto insurance company.

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

Most auto insurance companies only allow four vehicles on a single policy unless you specifically ask to add more.

If you’re a safer driver with a good track record with your provider, you should be able to add a fifth car to your policy with no issues.

Otherwise, GEICO, Progressive, and Farmers allow at least five cars under the same policy, no questions asked.

You’ve compared auto insurance quotes from companies that can insure five 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.