How can I add a car to my insurance policy?

You can add a car to insurance policies by informing your car insurance company. You'll need to buy a second car insurance policy for the vehicle, but you may be eligible for up to 25 percent off your car insurance rates. If you're adding a car to your insurance, start comparing car insurance quotes online now so you can get a fair price. Enter your ZIP code below to get started.

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UPDATED: May 4, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: May 4, 2022Fact Checked

Here's what you need to know...

  • You cannot simply add a car to your existing family car insurance policy
  • However, it is easy to buy another policy for the second car
  • All you have to do is simply inform your agent or provider about the new vehicle

Before adding a car to your policy, you should shop around for new rates.

Most car insurance companies offer discounts for multiple cars on the same policy so this could be a good opportunity to find car insurance at a lower premium.

Each car needs its own insurance policy, even if multiple cars belong to the same family.

Read on to learn more and then just enter your ZIP code above for a FREE online car insurance comparison!

Insuring More Than One Car on a Family Car Insurance Policy


If you have a car and you buy a second car, then you will need to add it to the family car insurance policy.

Your car will not be automatically covered by your previous insurance policy because each car requires its own insurance.

Instead, you can buy a second policy and then receive a multi-car discount on each policy.

For example, you own a 2005 Hyundai Santa Fe, and you have insurance on it from ABC Insurance Company. While still keeping the Santa Fe, you also buy a 2010 Ford Mustang.

You can call any company to insure the Mustang, but if you buy a policy from the same company that insures your previous car, you can probably benefit from a multi-car discount.

Therefore, you call ABC Insurance Company and buy a new insurance policy for the Mustang from them. You now have two separate car insurance policies from the same company.

Your multi-car policies can have different coverage, different deductibles, different premiums, and different renewal dates.

The benefit of buying from the same company offers you greater savings as well as the convenience of only having to deal with one insurance company for all of your car insurance needs.

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Adding a Car to my Car Insurance Account Online

Whether you can add a car online really depends upon the car insurance company that you use. In most cases, any company that allows you to get a car insurance policy online will also let you add additional policies to your account online.

You can visit the website of the insurance company you use to see what its policy is regarding online purchases.

There is a benefit to speaking to an agent or a representative from the company that you are using.

If you have any questions about your new policy, you will have someone talking you through it on the phone. If you are familiar with insurance terms and limitations, then doing everything online may be more convenient for you.

Before Adding a Car to your Family Car Insurance Policy

Since you can buy car insurance for your second car from any insurance company, this is a good time to shop around to see if you can get lower rates from somewhere else.

Although there is a multi-policy discount to keeping both cars insured with the same car insurance company, if you buy a second car then you have a good opportunity to get some price comparisons of what you could pay if you switch insurance companies.

Before you add that second car to your family car insurance policy, call your agent and ask how much it will cost to insure that new car and also inquire about the multi-car discount.

Then get rates from some other insurance companies for the cost of both cars individually as well as together with the multi-car discount. You may be able to find comparable coverage with the same deductible for a lower premium.

Checking Car Insurance Rates before Buying a Second Car


There is one more factor to consider before buying a second car and adding it to the family insurance policy. That is the cost of insurance for that second car.

Whether you are buying a pre-driven vehicle or a brand new car, the cost of your insurance is going to depend heavily on what type of car you buy.

In addition to the age of the car, the make and model will impact the cost of your car insurance. Brand new cars are usually more expensive to insure, but some older models may be equally expensive depending on if they are specialty cars.

It is a good idea to contact either your agent or any car insurance company and ask for a quote for the type of car you are considering buying.

Anytime you are dealing with car insurance, whether it is your first car or your third addition to the family, you should always compare quotes from different insurance companies.

By doing an exact comparison analysis, including coverage and deductible for each car, you can get a sense of which insurance company is offering you the best deal for your car insurance.

You can get FREE quotes online now by entering your ZIP code below!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

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