Adding Cars to My Car Insurance Policy

Adding another car to insurance requires that the car has its own insurance policy, though it can be on the same account. Having multiple policies with the same company should qualify you for a discount.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • Can you add another car to your policy? Each car that you insure will have its own individual car insurance policy although they can all be on the same account
  • You add multiple people to the same policy but you must have multiple policies for multiple cars
  • Therefore, when you get a new car you get a new insurance policy as well

Is it cheaper to put two cars on one policy? It is important to note that when you have multiple car insurance policies with the same company, you should qualify for a discount on the additional policies.

Typically the discount will range between 10 percent and 25 percent off of your total cost, depending on your driving history and the company that you are using.

Compare car insurance quotes right now by entering your ZIP code in the box below!

How do I add a new car insurance policy to my account?


Adding a new car insurance policy is easy. All you have to do is call your agent and ask them to add an additional vehicle to your account.

Before you do this, however, you will want to compare car insurance rates between multiple companies to make sure that you are getting the lowest rate from your current insurer.

If you can’t find a quote tool that includes your insurance company, then call your agent for a quote and compare that information with the information you get online.

In some cases, you don’t have to talk to an agent at all but that depends on which insurance company you use.

However, in many cases insurance companies will allow you to add a vehicle to your insurance online. You can also get a quote from many car insurance websites as well.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Can I have insurance from different companies for my different vehicles?

Sure, you can choose whatever insurance company that you want for the vehicles that you own. The question you need to ask yourself is if this is the most affordable option for you.

As mentioned above, most car insurance companies offer a discount for multiple vehicles according to the NAIC’s Auto Tips. As such, you should be able to get a cheaper rate by paying for the insurance for both cars from a single source.

If you got a quote for your new car that was better than what you are currently paying for your car insurance for your existing vehicle, then you may want to consider switching your old car to a new company.

You are legally allowed to cancel your car insurance policy at any time. However, you do need to make sure that you have a new policy in place before you cancel your old one.

If, after getting a quote, you find that it is cheaper to maintain two polices from separate companies, then by all means you should continue to do that.

To make things easier you might want to talk to both of your insurers and see if one of them will offer you a lower rate on the vehicle that isn’t currently insured through them.

If I get quotes that are similar in price, how do I decide between the insurance companies?


Sometimes a person does get quotes that are so close in price that it doesn’t matter which insurance provider they choose based on this information. However, there are things other than price that you should use to determine the benefit of choosing a company.

What’s more, you should be using these tips even if one company is much cheaper than another because you want to make sure you choose a good company, not just a cheap one.

  1. The first thing that you will want to do is check the financial stability of a company. You can use sites such as Standard and Poor’s and A.M. Best to find this information.
  2. The second thing that you should do is check the reputation of the company. You can use friends as a resource here, but don’t forget companies like the Better Business Bureau and J.D. Power’s.
  3. You will also want to check for how long an insurance company has been in business. A good company is usually one that has been in business for a long time, has a good reputation, and can maintain financial stability.

Use the FREE quote tool by entering your ZIP code in the box below. You can start comparing car insurance quotes today!

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