A multi-car insurance policy just means that you have two or more vehicles in your policy. If you have more than one vehicle in the same direction, you can add them all to your policy. Some insurance companies may indicate that they must have a garage at the same address, but an actual garage is not required. It simply means that cars must be parked in the same direction or close to it.
Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's cheaper to add your licensed or licensed teen driver to your current car insurance policy. The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence.
The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy. An auto insurance policy for a 16-year-old driver who just received their license is likely to be more expensive than a policy for an 18-year-old with more driving experience. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident.
A standalone car insurance policy for teen drivers can be expensive because they are more likely to drive distracted, drive faster, carry a tailgate, and not wear a seatbelt. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy.
Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. Yes, you can get a multi-car discount if you have more than one vehicle on your Progressive auto insurance policy. Insurance companies have different rules about who can or cannot be added to an auto insurance policy, as well as how many drivers can be on the list. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents.
Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. Multi-car insurance means having multiple vehicles in an auto insurance policy maintained in the same place.