The best multi-car insurance delivers exact coverage at a competitive price, providing crucial support when it’s most needed. After analysing extensive customer feedback and scrutinising comprehensive policies, we assign policy scores based on their coverage breadth. Our lineup comprises policies crafted to shine in diverse aspects, including multi-car coverage or those crafted for young drivers. Once you’ve compiled your options, comparing quotes could potentially save you hundreds, ensuring optimal value for your coverage requirements.
Best for
Cheaper rates
Best for
Multi-car
Best for
Temporary insurance
Best for
Convicted drivers
To score our best multi-car providers, we’ve taken into account a number of different factors such as the level of discount available, the overall policy score and any specific multi-car benefits.
We’ve also included our customer satisfaction ratings as part of the weighting and these help determine the final score for each provider. For our customer satisfaction score, we asked hundreds of car insurance customers to rate their insurer and we used that data to help compile our top providers.
Car insurance premiums are highly personalised – a tweak to your job role or the amount of excess you’re happy to pay can make a big difference to your premiums. We explain more in our guide on how premiums are calculated. The key is to get the right cover level, plus good service at the cheapest price. This is why we survey customers. All our best picks are at least 3-star rated for service.
| Provider | Multi-car discount | Terms and conditions |
|---|---|---|
| Aviva | 10% | Save 10% for every additional vehicle you add, registered at the same address. Discount doesn’t apply to optional add-ons. Up to a maximum of five vehicles. |
| Direct Line | Individual to customer | Get a discount for every additional car you bring up to a maximum of 10 vehicles. With Direct Line’s multi-car discount, it helps you save money when you and your family have more than one car in the household. |
| Admiral | Up to £252 saving | Insure multiple cars on one policy and get an Admiral MultiCar discount for every car you add. You’ll get an immediate discount when the policy starts and every car you add earns its own discount. You can add up to 20 vehicles. |
| LV= | Up to 20% | Add up to 6 cars and 12 drivers on 1 policy. Plus, choose the cover level and specific optional extras you’d like for each car. |
| MoreThan | 15% | 15%* discount for each additional car you insure with MoreThan. You can set different excess levels and earn a no claims bonus on each policy. Up to a maximum of six cars. |
| Churchill | 15% for the first year | Able to insure all the cars in your household with Churchill up to a maximum of 10 vehicles. Introductory discount. 15% discount on each car with 5% the year after. |
| AXA | 15% | If you already insure one car at your home address, you can apply for the multi-car insurance discount – a 15% discount on each quote – for all the other cars registered there, with each having a separate policy. |
| Rank | Provider | Overall satisfaction | Customers who’d recommend |
|---|---|---|---|
| 1 | Admiral | ★★★★★ | 93% |
| 2 | NFU Mutual | ★★★★★ | 89% |
| 3 | Aviva | ★★★★★ | 84% |
| 4 | The AA | ★★★★★ | 80% |
| 5 | LV= | ★★★★★ | 84% |
| 6 | Saga | ★★★★★ | 76% |
| 7 | Direct line | ★★★★★ | 78% |
| 8 | Hastings Direct | ★★★★★ | 78% |
| 9 | Diamond | ★★★★★ | 83% |
| 10 | Churchill | ★★★★★ | 79% |
| 11 | Swinton | ★★★★★ | 63% |
Everybody’s circumstances will vary so car cover that might work for you might not work for someone else. Do your research, shop around and compare deals in order to find the best car insurance for you.
In December 2023, we ran a customer satisfaction survey on insurance providers. We had 750 responses about car insurance providers.
The survey asked respondents how satisfied they were with their current insurance company (on a scale from 1 to 5 and also whether they would recommend the brand to a friend or not). We turned the results into star ratings and shortlisted the top-performing brands for our awards. If there was a draw, we used the recommendation score (that is, the percentage of customers who said they would recommend the brand to a friend) as a tie-breaker.
Full details of our star ratings for this sector are on the insurance ratings methodology page.
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