Best phone plans for 4 lines in 2024

Written by

Rob Webber

+2 others

Edited by

Amanda Webber

Reviewed by

Brian Webber

Updated October 04, 2024

MoneySavingPro independently researches the products & services to bring you our recommendations. We may earn money when you click our links - disclosure policy.

Exhausted by the big three's cycle of exorbitant prices and intricate billing?

As they bask in their ever-growing profits and prepare for another round of rate increases, they've overlooked an essential factor: power in numbers.

With a decade of experience navigating the complexities of the mobile industry, I've analyzed 30 alternative carriers and over 100 prepaid plans to spare you the hassle.

To save you time, I have excluded carriers that:

• Only offer unlimited data plans
• Only advertise multi-line prices
• Have confusing phone bills with unexpected fees
• Lure customers with "free" phones
• Constantly try to upsell additional lines
• Bundle plans with unnecessary subscriptions
• Need loads of small print to explain their offers
• Want you to go to a store
• Need a commission-based salesperson
• Reward customer loyalty with increased prices

Interestingly, these budget-conscious alternatives operate on the very same high-caliber networks. I've carefully selected the best value plans for 4 lines for every usage level across each network, spotlighting the ultimate value plan.

The power to choose is yours!

Best plans for 4 lines on T-Mobile

These are the top 3 plans from low-cost carriers with T-Mobile coverage to consider.

Cheap T-Mobile plan

Tello 2GB plan

• T-Mobile coverage
• Unlimited talk and text
• Instant eSIM activation

2GB

data

$10/line

See at Tello

5

Read our Tello review

$780 in annual savings

Pros & cons

Plan details

Best family plan on T-Mobile

Mint Mobile 15GB plan

• T-Mobile coverage
• Unlimited talk and text
• Instant eSIM activation

15GB

data

$15/line*

$20/mo

See at Mint Mobile

*$45 for 3 Months

4.2

Read our Mint Mobile review

$675 in annual savings

Pros & cons

Plan details

Best unlimited plan on T-Mobile

Tello unlimited data plan

• T-Mobile coverage
• Unlimited talk and text
• Instant eSIM activation

Unlimited

data

$25/line

See at Tello

5

Read our Tello review

$600 in annual savings

Pros & cons

How T-Mobile compares

Best plans for 4 lines on Verizon

These are the top 3 plans from low-cost carriers with Verizon coverage to consider.

Cheap Verizon plan

Twigby Mobile 2GB plan

• Verizon coverage
• Unlimited talk and text
• Instant eSIM activation

2GB

data

$5/line*

$15/mo

See at Twigby Mobile

*$5/mo for 1st 3 Mths

4.4

Read our Twigby Mobile review

$750 in annual savings

Pros & cons

Plan details

Best family plan on Verizon

Red Pocket 10GB plan

• Verizon coverage
• Unlimited talk and text
• Instant eSIM activation

10GB

data

$20/line

See at Red Pocket

4.1

Read our Red Pocket review

$660 in annual savings

Pros & cons

Plan details

Best unlimited plan on Verizon

Visible unlimited data plan

• Verizon coverage
• Unlimited talk and text
• Instant eSIM activation

Unlimited

data

$25/line

See at Visible

3.4

Read our Visible review

$600 in annual savings

Pros & cons

How Verizon compares

Best plans for 4 lines on AT&T

These are the top 3 plans from low-cost carriers with AT&T coverage to consider.

Cheap AT&T plan

Red Pocket 1GB plan

• AT&T coverage
• Unlimited talk and text
• Instant eSIM activation

1GB

data

$10/line

See at Red Pocket

4.1

Read our Red Pocket review

$780 in annual savings

Pros & cons

Best family plan on AT&T

Red Pocket 10GB plan

• AT&T coverage
• Unlimited talk and text
• Instant eSIM activation

10GB

data

$20/line

See at Red Pocket

4.1

Read our Red Pocket review

$660 in annual savings

Pros & cons

Best unlimited plan on AT&T

Red Pocket unlimited data plan

• AT&T coverage
• Unlimited talk and text
• Instant eSIM activation

Unlimited

data

$30/line

See at Red Pocket

4.1

Read our Red Pocket review

$540 in annual savings

Pros & cons

How AT&T compares

Best overall value plan for 4 lines

Tello unlimited data plan

• T-Mobile coverage
• Unlimited talk and text
• Instant eSIM activation

Unlimited

data

$25/line

See at Tello

5

Read our Tello review

$600 in annual savings

Pros & cons

Big wireless: Big prices, big profits, little value

With 38 million Americans living in poverty and the average phone bill hovering around $155 per month, the digital divide continues to widen. Despite pending price hikes from big wireless companies across the board, the government has cut funding to the Affordable Connectivity Program. ACP is currently aiding 22 million low-income families in obtaining affordable internet and cell phone service.

Simultaneously, the big three spent January celebrating record profits and multi-billion dollar shareholder payouts.

It just confirms big telecom corporations' commitment to continue raising prices and reaping the rewards. All while the government drops assistance to those most in need.

Reclaim your power by using alternative carriers that are powered by the same networks at a fraction of the cost.

Take back control of your phone bill

A big wireless unlimited plan will cost you $1,600 extra over the next 3 years compared to getting the same service from an MVNO.

A big wireless unlimited data plan will cost you $2,700 over the next 3 years for just 1 line. In comparison, unlimited plans from a low-cost carrier over the same period would cost only $900.

So, buying directly from Verizon, T-Mobile, or AT&T is now 3 times more expensive for the same coverage. This does not include fees and taxes or future price hikes.

Why is it so much more expensive to buy the same service directly?

Telecom giants fund multi-billion dollar ad campaigns, stadium sponsorships, and thousands of stores with commission-based salespeople on your dime. They pass these extra expenses on to you to maximize their profits and increase dividend payouts.

However, the next generation of MVNOs allows you to switch instantly online and just pay for phone service.

Cut your phone bill, not your coverage

These low-cost carriers offer a great alternative with transparent pricing, a range of customizable data plans to fit your needs, and higher-rated customer service.

You can keep your phone, number, coverage, and most importantly, your money!

Even better, it's quick and easy. You can complete the entire switching process online in minutes with an eSIM-compatible phone.

So, now is the time to reevaluate your options and take back control of your phone bill. Free yourself from price hikes forever!

Compare the cheapest 4-line cell phone plans

Check out our 4-person cell phone comparison to find the best deal.

How to choose the best carrier for 4 people

• What network do you trust? Whether you're in the sprawling suburbs or tucked away in cozy rural communities, reliable coverage is non-negotiable. Fortunately, cost-effective carriers leverage the same expansive 5G and 4G LTE networks as the big names. The latest Opensignal 5G Experience Report (2023) places T-Mobile at the forefront of 5G reach, but don't worry - choosing an MVNO on any network means not compromising on connectivity.
• How much data do y'all actually use? While the market is flooded with unlimited data offers, you might be surprised to find your real consumption is well below the cap. In fact, most people only average about 10GB of data usage monthly, thanks to home Wi-Fi and public hotspots. Affordable carriers tailor plans to your genuine needs.
• Do you need hotspot capabilities? Tethering can be a must, whether for homework on the go or keeping entertained on long drives. Although details can vary by plan and provider, hotspot functionality ensures you're just a click away from the information highway.
• Concerned about the price? While traditional phone plans can spiral out of control up to $75-90 per line, you can snag MVNO deals from $5-35 per line, offering substantial savings without skimping on service quality.
• How many lines do you need? Forget the one-size-fits-all approach of major carriers. MVNOs champion flexible, affordable pricing. Most are priced so low that multi-line discounts are moot.
• Thinking about devices? MVNOs empower and encourage you to bring your own device, dodging the incessant upgrade cycle. And if you're eyeing a new phone, there are pocket-friendly options available with 0% financing plans.
• Looking for deals or promotions? Skip the big carriers' convoluted offers, which often entail hidden costs. MVNOs prefer to keep it simple with transparent promotions, so you know exactly what you're getting - no surprises.
• What about perks or add-ons? While the allure of "free" streaming services or subscription trials from big brands is tempting, consider whether these extras truly benefit your crew or will just add another line to your bill. Choose what matches your lifestyle to sidestep unnecessary expenses.
• Is international calling on your list? Keeping in touch with loved ones abroad shouldn't be a luxury. Many MVNOs include free international calling to various countries, which is crucial for global families and friends.
• Littles on your multi-line plan? Check your kid's phone usage and data consumption. Establish data limits, manage access to specific apps or websites, and even monitor their location. Some MVNOs include these features as part of their plans, or you set up controls in your cell phone's settings.

Find the best phone service in your area

4-line cell phone plans FAQs

Recap: What are the best 4-line phone plans?

The Big Three seem more concerned with enhancing their earnings than with catering to consumers' real needs. Their continuous trajectory towards higher prices means people must call to task their tactics, especially considering rising living expenses.

There's a ray of hope for those looking for cheap phone plans for 4 without downgrading service quality. By choosing the right provider, families can enjoy the high-level service they expect at substantially lower costs, with potential savings of up to $600 per line each year.

The choice is critical for families or groups considering a more budget-friendly alternative. That's where our detailed cell phone plan comparison tool comes in. Designed with your priorities in mind, I highly suggest using it to help you save time and money.

Family plan guides

• Best Family Cell Phone Plans
• Best Phone Plans for 2 Lines
• Best Phone Plans for 3 Lines
• Best Phone Plans for 4 Lines
• Best Phone Plans for 5 Lines
• Best Multi Line Phone Plans
• Best Shared Data Plans
• The Cheapest Prepaid Family Phone Plans
• Best Family Plans on Verizon
• Best Family Plans on AT&T
• Best Family Plans on T-Mobile

How we choose the best carriers and plans

To select the best carriers and plans, MoneySavingPro's team of experts evaluated over 30 different carriers.

Carriers were rated in five categories, with a star rating from 1-5, with 5 stars being the best. We then calculate the overall star rating using the five categories:

1. Value for money: We compare carriers based on price, features, benefits, and promotions. It's not just about the lowest price but getting the most bang for your buck.
2. Coverage: We look at network 5G and 4G LTE coverage across the US. We use coverage maps to determine service availability and data speeds in urban, suburban, and rural locations.
3. Customer experience: We take into account items such as current user experience, website and app usability, ease of switching, and customer service in terms of availability, channels, and satisfaction ratings.
4. Transparency: We assess whether carrier pricing is clear and straightforward. We examine the fine print to check for hidden fees, confusing terms or conditions, and misleading offers to ensure upfront, honest prices and advertising.
5. Range of choice: We evaluate the diversity of plan options to determine if they fit the individual needs of all customers.

Read more about our carrier ratings methodology and our editorial process.

We regularly update our comparisons. Updating cell phone plans weekly and our content monthly to ensure we are showing the latest and most accurate information.