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Multi-Car Insurance — One Policy, Every Vehicle

Put two or more vehicles on a single policy, set coverage per car, and earn the multi-car discount.

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How It Works

  1. Enter your ZIP code and tell us what coverage you are looking for in Connecticut

  2. See what Connecticut requires and compare quotes from licensed carriers

  3. Choose coverage that meets Connecticut requirements and get proof of insurance

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A bearded man in a dark button-up shirt sits at a wooden table using an open laptop, with a mug, spiral notebook, rolled papers with a pen, a desk lamp and a framed landscape print behind him, and a window showing evergreen trees at dusk.Multi-Car Policy StructureTwo or more vehicles on a single policy, each with its own coverage level. The multi-car discount applies when vehicles share one policy and typically requires the same garaging address.Interior view from the driver's seat at night, with two hands gripping a steering wheel, an illuminated instrument cluster, and a road with distant vehicle and street lights through the windshield.Liability Insurance Per VehicleEvery vehicle on a multi-car policy must carry at least your state's minimum liability limits. Bodily-injury minimums range from $15,000 to $50,000 per person across states; property-damage minimums range from $5,000 to $50,000.Driver's-eye view of two hands gripping a car steering wheel at night, with the illuminated instrument cluster visible and blurred street and vehicle lights through the windshield.Full Coverage for Select VehiclesAdd collision and comprehensive to financed or newer vehicles while keeping older vehicles on liability only. Each vehicle on the policy can carry a different coverage level.Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, an illuminated instrument cluster behind it, and a road with blurred lights through the windshield.Uninsured Motorist CoverageRequired in 22 states and optional in others. Covers you when hit by a driver with no insurance or insufficient limits. Applies to every vehicle on the policy.

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See What Connecticut Drivers Pay for the Coverage They Need

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Frequently Asked Questions

How does the multi-car discount work?

The multi-car discount is earned when you put two or more vehicles on a single policy. The discount typically requires every vehicle on the same policy and often the same garaging address. The amount varies by carrier and state.

Can two cars share one insurance policy?

Yes. A multi-car policy puts two or more vehicles on a single policy, and each vehicle can carry its own coverage level. One car can have full coverage while another carries liability only, and the whole policy earns the multi-car discount.

Can each vehicle on a multi-car policy have different coverage?

Yes. Each vehicle on a multi-car policy can carry a different coverage level. You can put full coverage on a financed car and liability only on an older vehicle, and both stay on the same policy with the multi-car discount applied.

Is one multi-car policy cheaper than two separate policies?

In most cases, yes. Combining vehicles on one policy earns the multi-car discount, which reduces the total premium compared to two separate policies. The discount amount varies by carrier and state.