Multiple Drivers Auto Insurance Discount

While rare, if you have more than one driver on your insurance policy, you may qualify for a multiple drivers auto insurance discount. Currently, only two major companies offer an affordable multiple drivers auto insurance discount to customers, but local agencies near you might also advertise this savings opportunity. Expect multiple drivers auto insurance discount rates to be 5% cheaper than average.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Currently, only two national insurance companies offer a multiple drivers auto insurance discount
  • On average, drivers save 5% on their premiums with this discount
  • To qualify, you must insure more than one driver under the same auto insurance policy

If multiple drivers in your household need auto insurance, you might be eligible for a multiple drivers auto insurance discount.

While most companies offer discounts for insuring two cars for one driver, at least two national companies reduce your rates when you insure two or more people. Keep reading to learn more.

After comparing affordable multiple drivers auto insurance discounts, remember to enter your ZIP code into our free tool above to receive free car insurance quotes from the leading providers in your area.

What companies offer a multiple drivers auto insurance discount?

After closely evaluating national insurance provider discount lists, including the GEICO discounts list, State Farm discounts list, and more, we found only two companies that offer a multi-driver discount.

If you’re looking for a multiple drivers auto insurance discount company, your choices are limited to the following providers: MetLife and The Hartford.

There might be local agencies near you that also advertise this savings opportunity. Therefore, if you want to buy multiple drivers discount auto insurance, make sure you first compare auto insurance quotes from various companies online to discover the cheapest provider for you.

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What is a multiple drivers auto insurance discount?

A multi-driver auto insurance discount is a way for insurance companies to offer rate reductions to people for their customer loyalty. To qualify, you must insure more than one licensed driver under the same policy through a participating company.

According to DataUSA, the average number of vehicles per household is two, implying that most homes also have multiple drivers.

Everyone on your policy receives the rate reduction for the lifetime of the coverage.

Therefore, this discount is a great way to reduce high-risk auto insurance costs, including auto insurance for teens.

However, unlike popular safe driver or good student discounts, this discount is relatively uncommon. Again, only MetLife and The Hartford advertise this savings opportunity.

Multiple Drivers Auto Insurance Discount: The Bottom Line

Overall, a multiple driver discount is relatively rare and only reduces your annual rates by about 5%.

However, if you already use MetLife or The Hartford and there’s more than one licensed driver on your policy, make sure you’re also receiving this discount.

Now that you’ve learned about affordable multiple drivers auto insurance discount rates, you can compare actual quotes from the best insurance providers near you for free by entering your ZIP code below.

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