One Driver Two Cars Insurance

Two or more cars can be insured under one insurance policy, but one car is insured under several policies is absurd and uncommon; however still possible.

Auto insurance is necessary for coverage if your car or you are met with an accident the insurance policy can cover. The insurance company will fully cover the financial burden and the hospital visits- provided that the premiums were paid on time, and the system remains in force throughout.

Having two cars in today’s era is a norm, whether you’re using one for commercial purposes and one for vacation or whether you’re a couple with two cars for work- you can have multiple vehicles.

But what about insurance? According to the country’s rule, you can’t drive a yard without insurance, and if you do, you could be charged with illegal activity, and your driver’s license could be confiscated.

Is it possible to have two cars insured under one policyholder? YES. It is also reasonably necessary to do so because it would be illegal to drive your vehicle without insurance.

Let’s see how this works.

Can you have two Car Insurance Policies?

While it may seem absurd to have one car insured under two different policies, it is still possible. But this possibility also varies from company to company; the same insurance company will not protect the same car twice.

So how does that work?

If you want to have two different policies on the same car, you will have to approach two various insurance providers as well. Have one insurance company insure one car, and the other company the second one. This way, you will have to pay both their bills and abide by their coverage options and policy rules.

It is also not legal for you to file a claim and have two insurance companies pay for them. If that happens, you may have committed insurance fraud. Make sure you never have two companies pay for the same claim if you have two policies for one car.

However, some companies do allow you to insure multiple cars on one insurance policy. Getting one policy for two or more cars is cheaper and advisable too. Here are some of the biggest auto insurance companies that allow users to insure more vehicles under one policy.

Insurer Maximum number of cars
Progressive 8
Farmers 5
Allstate 4
Liberty Mutual 4
Nationwide 4
State Farm 4
Travelers 4

If you want more than nine or ten cars to be covered under one policy, you can do so by purchasing a commercial car insurance policy. Such plans are designed for businesses that have commercial usage of multiple cars like delivery services or Uber etc. Such companies need more cars to be covered under one policy. The best way to do that is to contact a commercial auto insurance company or hire an agent.

Double Car Insurance

Many people have two or more cars in their households, so they want double car insurance coverage. When are you eligible for such a policy?

  • A family has two cars.
  • A couple living together having two cars
  • A couple living far away but have cars of their own
  • Children who live away but their cars

Getting multi-car insurance is also relatively cheaper; you can earn a 25% discount on the policy! This is why so many people opt for this choice rather than having separate policies for different cars.

Here are some of the biggest insurance companies with their discount rate son multi-car insurance:

Insurer Discount
GEICO Up to 25%
State Farm Up to 20%
Progressive 10%
Travelers Up to 8%

Note: Sample rates have been extracted online, courtesy of ValuePenguin.

Double Dipping Car Insurance Claim

For instance, you have two policies from two different companies for the same car. Maybe you forgot you had one already, or perhaps you wanted a separate policy for a luxury car. In whatever case scenario, you have two insurance policies for one car.

If the car gets into an accident, and you file the same claim with two different insurance companies, you will get the claim amount twice. You use the first settlement for the repair of the car and the other for your financial gain. You have committed insurance fraud, and you will be charged with whatever punishment necessary!

So even if you somehow have two policies for the same car, never file a claim with both procedures to benefit twice. It is illegal, and it will invite far more consequences for you.


One driver, two car insurance policies are available with almost every insurance company, and this option is cheaper too! It is better to have multiple cars insured under one insurance policy to avail discounts as well.

However, one car cannot be covered under two insurance policies from the same insurance company. And if you file a claim and receive it twice, it could be counted as insurance fraud.

Make sure you’re not involved in any fraudulent activity where you could be charged with a felony, too, and make sure all premiums are paid promptly to ensure the policy remains intact.


Sandra Johnson

Sandra Johnson

Sandra Johnson was a few years out of school and took a job as a life insurance agent in California, selling coverage door-to-door for Prudential. The experience taught her about the technical components of insurance and its benefits for individuals and society, as well as the misunderstandings people often have about insurance. She has over ten years’ experience in the insurance industry, having worked as both a Broker and Underwriter, assisting clients across a broad range of industries. At Insurance Noon, Sarah diligently gathers all the required information and curates up pieces to provide meaningful insurance solutions. Her personal value proposition is to demonstrate a genuine interest in always adding value for clients.Her determined approach to guiding clients has turned her into a platinum adviser to multiple insurers.

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