Image of a couple smiling at one another in a car.

Multi-Car Insurance: Can I Add Another Car or Driver to My Policy?

Updated March 3, 2024 . AmFam Team

Maybe you’ve heard that you can bundle your home and auto insurance and save on insurance costs. You may even be aware that you can also save on your premium by listing multiple vehicles under one policy. But do you know if you’re allowed to add additional vehicles on your policy in order to qualify for a multi-car discount?

In some cases, insurance companies will require that all cars be registered to the same address. And others may allow you to combine policies with immediate family members, regardless of where they live.

There’s a lot to learn about adding authorized drivers or adding another car to your auto policy. And with the added protection of insurance like liability coverage, you can help guard your finances from losses if something should happen.

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How does a multi-car discount work?

A "schedule of vehicles policy" will typically cover multiple cars, usually up to five. And in most cases a multiple car discount will be provided, which almost always works out to be a better deal than purchasing similar coverage with different insurance companies for each car.

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

Some insurance companies won’t allow you to permanently add another driver who’s outside of your immediate family to your auto policy. Most policies allow you to let others drive your car, given that they have your permission to do so.

If you’re wondering, “Can I add someone to my car insurance that doesn’t live with me?” you’d do best to contact your insurance agent and get details on what’s allowed.

Can I add my significant other to my car insurance?

Can you add your girlfriend to your policy? Check with your agent to learn about how your carrier covers other full-time drivers. They typically view lending your car to someone vs. letting someone drive your car every day as two distinct categories.

Single family home with two cars parked in the driveway

Is it cheaper to get multi-car insurance?

With American Family Insurance, when you bundle insurance policies you’re likely to find savings. Our goal is to help protect you best, and that’s why we offer a multi-car insurance discount. You'll save money and get the same great coverage.

Multi-car insurance policies are usually less costly because you’re able leverage a bundling discount. You’re probably going to save money on auto insurance rates when multiple vehicles are listed on a single policy.

If you’re in the process of getting prices from insurance companies, compare your car insurance quotes carefully. Be sure to ask, “Can I add another vehicle to my insurance policy?” before you sign. You’ll probably find that you can, but the “named insured” — or the owner(s) of the vehicles — 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. Do you have to add a driver to your policy every time someone borrows your car? In most cases, no. An auto insurance policy typically covers you, your spouse or partner and relatives who live in your home. And it can extend to other licensed drivers who have permission to drive your insured vehicle.

When a new driver in your household has just received their driver’s license, you’ll need to add them to your policy as an operator. Because they don’t have much of a driving record, you can help them stay safe by reviewing the basics.

But if you’ve got a relative visiting and they’ll be borrowing your car once in a while, your current policy likely allows them to drive if they’ve got your permission.

How to Add a Car to Your Auto Insurance Policy

Find the coverage you need for all your vehicles by reaching out to an American Family Insurance agent. With their help, you can cover all your cars with a customized policy that protects you best.

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.

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