Multiple-Drivers Car Insurance Discount

Do you need car insurance for more than one licensed driver? Fortunately, both MetLife and The Hartford offer a multiple-drivers car insurance discount. The average multiple-drivers car insurance discount rate is 5 percent off of your total premium. However, this discount is subject to state laws and regulations and may not be available in every ZIP code.

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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: Nov 7, 2021

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Here's what you need to know...

  • With a multiple-drivers car insurance discount, you can save an average of 5 percent on your policy
  • Only two national providers, The Hartford and MetLife, offer a multiple-drivers discount to customers
  • To qualify for this discount, you must insure more than one licensed driver under the same car insurance policy

If more than one person on your policy is a licensed driver, you can potentially earn a multiple-drivers car insurance discount.

Read through our quick guide to learn what companies offer discount car insurance for policies with multiple drivers, how to qualify, and how much you and your family can potentially save. Car insurance discounts often stack, leading to substantial savings.

Compare multiple-drivers car insurance discount rates from reputable providers near you by entering your ZIP code into our free quote tool above.

What car insurance companies offer a multiple-drivers discount?

Only two national insurance companies offer what is called a multiple-drivers car insurance discount to customers.

Take a look at the table below to see if your provider made the list.

Berkeley, CA Teen Car Insurance Rates by Company
Insurance Company17-year old female17-year old male
Liberty Mutual$5,593.28$5,929.35
State Farm$6,562.65$8,136.81
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The average amount you can save with a multiple-drivers discount is about 5 percent. However, this discount can be stacked with other opportunities.

According to DataUSA, the average number of cars per household is two.

If this matches your family, consider also seeking out a multi-car insurance discount to stack with your multiple-drivers discount, if one is available.

All car insurance discounts are subject to state laws and regulations, so this opportunity may not be available where you live. Check with your local agent for verification.

What is a multiple-drivers car insurance discount?

A multiple-drivers car insurance discount is a way for insurance companies to entice customers to purchase more business within the same provider.

If you have multiple licensed drivers in your household, your insurance provider doesn’t want to lose their coverage to a competitor.

By providing you and your family with an affordable multiple-drivers car insurance discount, both you and the company benefit.

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How can I qualify for a multiple-drivers car insurance discount?

Like with all discounts, qualifying for a multiple-drivers discount will vary by company.

However, as long as you have more than one eligible driver on your car insurance policy through either The Hartford or MetLife, you should receive this discount automatically.

How much can I save with a multiple-drivers car insurance discount?

Expect to save about 5 percent on your overall premiums with a multiple-drivers discount. Other companies offer a similar discount when you insure more than one driver under the same policy known as a family plan or family legacy discount.

For example, one of the many GEICO discounts is a family legacy discount, provided to clients who insure more than one eligible driver under a single policy.

It’s worth asking about what discounts you are eligible for, especially because companies do not always publicly advertise every available discount.

You are now an expert on securing a multiple-drivers car insurance discount from either The Hartford or MetLife.

Compare other discount car insurance opportunities from reputable providers near you by entering your ZIP code into our free quote tool below.

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

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