Best MVNO / Prepaid Phone Plans Under $100 For Multiple Lines - Complete Guide

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Trying to keep a family or household connected without spending a fortune is one of the most common reasons people switch from big carriers to MVNOs. The best prepaid phone plans under $100 for multiple lines can save a typical family of four anywhere from $1,200 to $2,400 per year compared to postpaid plans from Verizon, AT&T, or T-Mobile — without sacrificing coverage or features.

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Why Multi-Line Prepaid Plans Save You So Much Money

The big three carriers — Verizon, T-Mobile, and AT&T — are aggressive marketers, and their "family plan" pricing often sounds cheaper than it is once taxes, fees, and device payments are added in. A typical postpaid unlimited plan from a major carrier runs $45–$65 per line per month even on a multi-line discount. For a family of four, that's $180–$260 per month before fees.

MVNOs (Mobile Virtual Network Operators) lease network access from those same carriers at wholesale rates and pass the savings to you. Because they don't run retail stores or spend billions on Super Bowl ads, their overhead is tiny. The result? You're often paying $25–$35 per line for service running on the exact same towers.

For a four-person household, switching to the right MVNO can drop your monthly bill from $220 to $100 — or even lower. That's real money, and it's why the prepaid MVNO market has grown dramatically over the past five years.

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How We Evaluate Multi-Line MVNO Plans

We score every carrier on an 11-point scale covering network quality, value, customer service, plan flexibility, security features, and data breach history. Our rankings are built on verifiable data, not paid placements. When it comes to multi-line suitability, we pay extra attention to per-line pricing, whether the carrier allows mixing plans, and how gracefully data deprioritization is handled.

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The Best Prepaid Phone Plans Under $100 for Multiple Lines

Here's our full comparison of the top MVNOs for multi-line households, ranked by our score:

Carrier	Network	Per-Line Price	4 Lines Total	Our Score
Visible	Verizon	$25/mo	$100/mo	10/11
Tello	T-Mobile	$8–$25/mo	Varies	9.5/11
US Mobile	Verizon/T-Mobile/AT&T	Varies	Varies	9.5/11
Twigby	Verizon	~$15–$22/mo	~$60–$88/mo	7.6/11
Metro by T-Mobile	T-Mobile	$25–$35/mo	~$80–$140/mo	6.5/11
Boost Mobile	AT&T	$25/mo	~$100/mo	6/11
Cricket Wireless	AT&T	$25–$30/mo	~$100–$120/mo	6/11

Visible — Best Overall for Multi-Line Households

Visible earns a 10/11 in our rankings and is our top recommendation for most multi-line households. At $25 per line per month, taxes and fees included, a family of four stays right at the $100 mark. You get truly unlimited data (with hotspot included), and since it runs on Verizon's network, coverage is the widest of any MVNO option.

One major advantage: Visible's pricing is completely transparent. The $25 number is what you pay — no surprise fees at checkout. That's genuinely rare in the mobile industry. Visible has also never had a confirmed customer data breach, which matters when you're adding multiple family members to an account.

The only real limitation is that all lines are on the same plan, so you can't give one person more data and another a cheaper limited option. For households with uniform needs, though, Visible is nearly perfect.

Tello — Best for Budget-Conscious Families Who Want Flexibility

Tello scores a 9.5/11 and is particularly strong for families where different members have very different data needs. Plans start at just $8/month for basic service and go up to $25/month for an unlimited plan with unlimited hotspot. Because every line can be on a different plan, you might pay $8 for a light-data kid's phone and $25 for a parent's unlimited line.

A family of four on Tello could theoretically spend well under $70 per month if usage patterns vary. That's exceptional value. Tello runs on T-Mobile's network, which has excellent 5G coverage in urban and suburban areas, though rural coverage can trail Verizon in some regions.

Tello also has a clean record — no reported data breaches — and their customer support consistently gets strong reviews. For families who want to optimize each line independently, Tello is hard to beat. You can explore customizable plan options using our prepaid plan finder tool.

US Mobile — Best for Families Who Want Network Choice

US Mobile scores a 9.5/11 and offers something no other MVNO on this list does: access to all three major networks (Verizon, T-Mobile, and AT&T) under a single account. If your household has members who travel frequently or live in areas with different coverage strengths, this matters enormously.

US Mobile's "build-a-plan" model lets each line be configured for data, talk, and text independently. Lines can even be on different networks. So you could put one person on Verizon (better rural coverage) and another on T-Mobile (better urban 5G) within the same family account. It's the most technically sophisticated option on the market.

Pricing varies by configuration, but households can typically stay under $100 for four lines. US Mobile has no history of data breaches and offers strong security features including SIM PIN protection.

Twigby — Best Budget Option on Verizon

Twigby scores a 7.6/11 and runs on Verizon's network, making it a solid choice for families in rural or suburban areas where Verizon's coverage dominates. Plans range from around $15 to $22 per month per line, meaning a four-line family could land closer to $60–$88 per month — well under the $100 ceiling.

Twigby doesn't have quite the polish or feature set of our top three picks, but the value proposition for Verizon coverage at a lower price point is real. It's worth considering if you need Verizon reliability but find Visible's all-in-one approach too rigid.

Metro by T-Mobile — Best for Those Who Want Carrier-Adjacent Support

Metro scores a 6.5/11. It's owned by T-Mobile, so it enjoys strong retail support with physical store locations across the US — a feature most MVNOs don't offer. For families who want in-person help with setup or troubleshooting, that's meaningful. Pricing is higher than pure MVNOs at $25–$35 per line, but multi-line deals are frequently available.

For a deeper dive into how Tello and US Mobile stack up head-to-head, check out our Tello vs US Mobile comparison.

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What to Look for in a Multi-Line Prepaid Plan

Coverage and Network Quality

The most important factor for a household plan is that everyone gets reliable service. We recommend mapping your home address, workplace, and frequent travel routes using each carrier's coverage tool. Verizon generally leads in rural coverage, while T-Mobile excels in dense urban areas and 5G speeds.

Per-Line Pricing Transparency

Some carriers advertise low per-line prices that require you to activate four or more lines simultaneously. Others (like Visible and Tello) price each line independently. Make sure you understand what price you'll actually pay before committing — especially for households that might add or remove lines over time.

Hotspot Inclusion

Families with students or remote workers often rely on mobile hotspot. Visible includes hotspot on all plans. Tello includes unlimited hotspot on its $25 unlimited plan. Cricket and Boost include hotspot but cap it at lower speeds after a threshold. Always check hotspot terms before switching.

Data Deprioritization Policy

All MVNOs are subject to deprioritization during network congestion — meaning heavy users may temporarily get slower speeds when towers are busy. This is standard, but some carriers handle it more gracefully than others. Visible and Tello have both been generally praised by users for acceptable real-world performance even during peak times.

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How to Switch Multiple Lines Without Losing Your Numbers

Switching a family plan doesn't mean losing your existing phone numbers. Number porting is free and legally protected in the US. Here's the general process:

Before canceling your current carrier, collect each line's account number and transfer PIN (your carrier is required to provide this). Then activate your new MVNO SIM cards and initiate the port request during setup. The process typically takes 5–30 minutes per line and your old service remains active until the port completes. Only cancel your old account after confirming all lines have successfully ported.

For a step-by-step walkthrough, see our guide on how to switch carriers and keep your number.

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Best Phone to Pair With This Plan

If you're switching multiple lines and need unlocked phones that work with any carrier on this list, we recommend the Google Pixel 9a. It's our top budget phone pick for 2026:

• Works with all US carriers (Verizon, T-Mobile, AT&T networks)
• Supports eSIM + physical SIM for easy switching
• 7 years of software updates
• Excellent camera and battery life
• Around $499 unlocked

View Pixel 9a on Amazon →

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The Bottom Line

For most families and multi-line households, Visible at $25/line/month on Verizon's network is the clear winner — hitting exactly $100 for four lines with taxes included, no surprises, and excellent nationwide coverage. It earns a 10/11 in our rankings for good reason.

If budget flexibility matters more — say, some lines need less data — Tello (9.5/11) on T-Mobile is the smarter choice and can come in well under $100 for the right household. And if your family has mixed coverage needs or travels frequently, US Mobile (9.5/11) is the most powerful and flexible option available, with access to all three major networks under one account.

The key takeaway: you should not be spending over $100 per month for a four-line family plan in 2025. The MVNO market has matured to the point where $25/line is achievable on Verizon-quality coverage. Use our prepaid plan finder to get a personalized recommendation based on your zip code and usage needs.

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Frequently Asked Questions

Q: Can multiple lines on a prepaid MVNO plan all keep their existing numbers?

Yes. Number porting is free and legally protected under FCC rules. Each line can port its existing number independently when you switch carriers. You'll need each line's account number and transfer PIN from your current carrier. The process typically takes under an hour per line.

Q: Is Visible really $25 per line for a family of four, or are there hidden fees?

Visible's pricing is genuinely all-inclusive. The $25/line price includes taxes and fees, so four lines equal exactly $100 per month. There are no activation fees for new lines, and hotspot is included on all plans. It's one of the most transparent pricing models in the prepaid industry.

Q: Do all family members need to have the same plan on MVNO carriers?

Not necessarily. Carriers like Tello and US Mobile allow each line to be on a different plan, so a light data user can be on a $8–$10/month plan while a heavy user gets unlimited. Visible requires all lines to be on the same plan. Metro by T-Mobile and Cricket offer some flexibility with their multi-line bundles.

Q: Will I notice slower speeds on an MVNO compared to a big carrier?

In day-to-day use, most people don't notice a difference. MVNOs use the same towers as the big carriers. The main difference is deprioritization during peak congestion — in very busy areas, MVNO customers may temporarily see slower speeds than postpaid customers. For most households, this is rarely an issue.

Q: Which MVNO is best for rural families who need the best coverage?

For rural coverage, Verizon's network is generally the strongest. That makes Visible (10/11), Twigby (7.6/11), and US Mobile (9.5/11 on Verizon) your best bets. If you're unsure about coverage in your area, US Mobile's ability to switch networks is particularly valuable for rural households with spotty service.

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