In this paper, an antenna for telematics is proposed. It operates at GPS/GSM frequency-bands and it can be installed inside of a vehicle. There is a great difference between the proposed antenna and commonly used antennas. It needs not to use a dielectric with a high permittivity since it is formed on a sheet of FR4 with only 1mm thickness. Thus, it is possible to cut costs and make process of manufacture simple. Planar inverted-F antenna(PIFA) for GSM and microstrip antenna(MSA) for GPS is designed and PIFA-MSA antenna is proposed. The height is lower than that of commonly used antennas. And polarization of the PIFA and MSA is arranged perpendicularly for isolation improvement of each port, thus isolation of these two antennas is improved. Also, it is sufficient for the all specifications.