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Last updated: July 23, 2024
Auto Insurance Discounts: The Best Ways to Save
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You wouldn’t turn down free money, right? Well, if you’re choosing to not take advantage of auto insurance discounts, you basically are refusing free money. Dozens of discounts are available on car insurance for actions as simple as getting annual premiums or going paperless, but many people aren’t aware of the offerings. We’ve collected all of the car insurance discounts from the most popular providers so you can see how much you’ll save.
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Auto Insurance Discounts
Whether you’re looking for a new auto insurance provider or trying to save on a current policy, information is power. Here are all of the auto insurance discounts from the major providers in the U.S.:
21st Century
- Driving history/habits
- Good student
- Multi-car/family
- Safe driving
- Vehicle equipment
AAA
- Good student
- Membership/employee
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Safe driving
- Anti-theft devices
AARP
- Driver training
- Driving history/habits
- Hybrid/electric vehicle
- Membership/employee
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Safe driving
- Air bags and anti-theft devices
Allstate
- Driver training
- Early signing
- Good student
- Multi-policy
- New car
- Paid in full/good payer
- Safe driving
- Student away from home
- Anti-lock brakes, anti-theft devices
American Family Insurance Group
- Accident-free
- Annual mileage
- Driving history/habits
- Early quote
- Early signing
- Good student
- Length of membership
- Multi-car/family
- Multi-policy
- Paperless/automatic billing
- Safe driving
- Student away from home
- Vehicle equipment
- KnowYourDrive GPS monitoring
Amica
- Accident-free
- Continuous insurance
- Defensive driving course
- Driver training
- Good student
- Homeownership
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Student away from home
- Vehicle equipment
Bristol West
- Continuous insurance
- Driving history/habits
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Paperless/automatic billing
Clearcover
- Accident-free
- Defensive driving course
- Driving history/habits
- Early signing
- Good student
- Length of membership
- Military
- Paid in full/good payer
- Paperless/automatic billing
- Student away from home
Concord
- Early quote
- Good student
- Multi-policy
- Paperless/automatic billing
Dairyland
- Annual payment
- Defensive driving course
- Driving history/habits
- Early quote
- Homeownership
- Multi-car/family
- Safe driving
- Anti-theft devices
- Transfer discount
Direct
- Accident-free
- Continuous insurance
- Good student
- Homeownership
- Military
- Multi-car/family
- Multi-policy
- Safe driving
- Senior
- Insurance renewal
- Welcome-back
- Affinity
Endurance
- Federal employee
- Military
- First-time call
- No check engine light
Erie
- Accident-free
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Student away from home
- Vehicle equipment
- Vehicle storage
- Young driver
- Reduced usage
Esurance
- Multi-policy
Farmers
- Accident-free
- Defensive driving course
- Good student
- Homeownership
- Hybrid/electric vehicle
- Membership/employee
- Military
- Multi-car/family
- Multi-policy
- New car
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Student away from home
- Vehicle equipment
- Young driver
- Shared family car
GAINSCO
- Continuous insurance
- Defensive driving course
- Homeownership
- Length of membership
- Multi-car/family
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Vehicle equipment
- Agency internal transfer
- Renewal
GEICO
- Accident-free
- Defensive driving course
- Driver training
- Driving history/habits
- Federal employee
- Good student
- Membership/employee
- Military
- Multi-car/family
- Multi-policy
- New car
- Safe driving
- Vehicle equipment
- Emergency deployment
GMAC
- Annual mileage
- Membership/employee
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Vehicle equipment
- Motorcycle
Good2Go
- Continuous insurance
- Defensive driving course
- Driver training
- Driving history/habits
- Good student
- Homeownership
- Multi-car/family
- Paid in full/good payer
- Vehicle equipment
- Renewal
- Non-owner
- Cell phone safety
Infinity
- Accident-free
- Defensive driving course
- Early quote
- Good student
- Homeownership
- Membership/employee
- Multi-car/family
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Vehicle equipment
- Renewal
- Switch-and-save
Kemper
- Continuous insurance
- Defensive driving course
- Early quote
- Good student
- Homeownership
- Military
- Multi-car/family
- Paid in full/good payer
Lemonade
- Annual mileage
- Hybrid/electric vehicle
- Multi-policy
Liberty Mutual
- Accident-free
- Annual mileage
- Driving history/habits
- Early quote
- Good student
- Homeownership
- Hybrid/electric vehicle
- Military
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Student away from home
- Vehicle equipment
Mercury
- Accident-free
- Annual payment
- Continuous insurance
- Defensive driving course
- Driving/history/habits
- Early quote
- Good student
- Membership/employee
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Student away from home
- Vehicle equipment
- Young driver
- Education
Metromile
- Annual mileage
- Multi-car/family
- Multi-policy
Nationwide
- Accident-free
- Annual mileage
- Defensive driving course
- Good student
- Multi-car/family
- Multi-policy
- New car
- Paperless/automatic billing
- Safe driving
- Anti-theft devices
Plymouth Rock
- Accident-free
- Defensive driving course
- Driver training
- Driving history/habits
- Early quote
- Good student
- Homeownership
- Hybrid/electric vehicle
- Membership/employee
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Student away from home
- Vehicle equipment
- Young driver
- Alumni
Progressive
- Continuous insurance
- Good student
- Homeownership
- Multi-car/family
- Multi-policy
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Student away from home
- Young driver
- Online quote and online signing
Root
- Driving history/habits
- Good student
- Multi-policy
- Vehicle equipment
Safeco
- Good student
- Homeownership
- Multi-car/family
- Multi-policy
- Safe driving
- Vehicle equipment
State Farm
- Accident-free
- Defensive driving course
- Driver training
- Driving history/habits
- Good student
- Multi-car/family
- Multi-policy
- Safe driving
- Student away from home
- Vehicle equipment
- Young driver
The General
- Defensive driving course
- Good student
- Homeownership
- Multi-car/family
- Safe driving
- Vehicle equipment
Travelers
- Continuous insurance
- Driver training
- Early quote
- Good student
- Homeownership
- Hybrid/electric vehicle
- Membership/employee
- Multi-car/family
- Multi-policy
- New car
- Paid in full/good payer
- Paperless/automatic billing
- Safe driving
- Student away from home
USAA
- Driving history/habits
- Good student
- Membership/employee
- Multi-car/family
- Multi-policy
- New car
- Vehicle equipment
- Vehicle storage
Not every auto insurance provider offers every type of discount. Learn how you can save with all of the best auto insurance providers.
Types of Car Insurance Discounts
Here’s a little bit more information on what these car insurance rates discounts entail.
- Usage-based discounts: You can get discounts by being accident-free for a certain length of time, having an annual mileage below a certain number, being a safe driver as proven by telematics, and having a driving history free of tickets, accidents, or license suspensions (aka good driving). For example, 21st Century offers discounts for those with no points on their driving records in the past three years. Good drivers in general are more eligible for discounts!
- Payment discounts: You can save money by paying for your auto insurance annually, getting early quotes, paying in full and on time, or enrolling in paperless/automatic billing.
- Policy discounts: Insurers offer discounts for continuous insurance policies that don’t expire, early signing, longer memberships, or policies that cover multiple vehicles and/or multiple people. You can also get discounts for bundling your auto insurance with other types of insurance policies, such as life insurance or homeowners insurance.
- Education discounts: If you take a defensive driving course or a driver training course, you can get discounts on auto insurance premiums.
- Demographics and employment discounts: Federal employees, good students, homeowners, active military personnel, veterans, students away from home, or young drivers can get discounts based on their demographics alone. Amica, for example, gives discounts to homeowners even if they don’t have in-company home insurance policies.1 Clearcover offers 15 percent off for active military personnel, or 25 percent off if you live in Louisiana and are on active duty.2 You can also get discounts if you’re the employee of an auto insurance provider. Learn more about the best auto insurance for college students, or the best auto insurance for young drivers.
- Vehicle discounts: You can get discounts for driving a hybrid vehicle, electric vehicle, or a new car.
- Equipment discounts: Last but not least, you can get discounts for installing safety equipment such as teen driver GPS monitoring, vehicle storage, or anti-theft technology like steering wheel locks.
Did You Know?
Steering wheel locks cost only $15 to $80.3 If you can save more than that on your auto insurance premiums by installing one in your car, it could pay for itself.
Tips
When trying to cash in on a car discount, follow these tips:
- Ask your insurance agent what discounts apply to you. Every insurer from State Farm to GEICO offers some form of discounts, but they may not apply to everyone.
- Learn how to compare auto insurance quotes, and get car insurance quotes from multiple providers, taking discounts into account.
- If you haven’t bought or leased a car yet, look for a car with a high vehicle safety rating, as they are cheaper to insure. We recommend using the National Highway Traffic Safety Administration’s safety ratings. Prioritize new, hybrid, and/or electric vehicles.
More Ways to Save on Car Insurance
Of course, discounts aren’t the only way you can save on car insurance. We recommend a couple of other methods.
Raising Your Deductible
How do deductibles work? In a nutshell, the higher your deductible, the less you’ll pay in premiums. Read more of our deductible FAQs.
Note
Raising your car insurance deductible will cost you if you have a covered claim, as you’ll have to pay it in full before your insurance coverage kicks in.
Dropping Supplemental Coverage
Older cars probably don’t need comprehensive coverage or collision coverage. You can also drop supplemental coverages like rental reimbursement, medical payments, or personal injury protection if your state doesn’t require them.
Cheapest Car Insurance
Looking for the best cheap car insurance or the best cheap car insurance for young people? Learn about cheap car insurance coverage and how to find cheap car insurance companies.
Recap
Everyone wants to lower the cost of car insurance, and now you know exactly how to do that. Read more about car insurance discounts so you can make sure you don’t overpay.
Frequently Asked Questions
If you want to know even more about auto insurance discounts, keep reading, as we’ve answered the questions you’ve asked the most below.
How do I get 10 percent off my car insurance?
There are many ways you can get a 10 percent discount on your car insurance, depending on your insurance provider. Many providers offer these types of discounts:
- Accident-free
- Annual mileage
- Annual payment
- Auto insurance provider employee
- Certain safety equipment
- Continuous insurance
- Defensive driving course
- Driver training
- Driving history/habits
- Early quote
- Early signing
- Federal employee
- Good student
- Homeowner
- Hybrid/electric vehicle
- Length of membership
- Military
- Multi-car/multi-person
- New car
- Paid in full / good payer
- Safe driving
- Student away from home
- Teen driver monitoring (GPS)
- Vehicle storage
- Young driver
Check what discounts your auto insurance provider offers so you can save 10 percent or more.
Which auto insurance has the most discounts?
The auto insurance provider with the most discounts is Plymouth Rock, with 18 different discounts, although not every discount is available in each state. These are some of Plymouth Rock’s discounts:
- Accident-free for five years in Connecticut, New Jersey, and Pennsylvania
- Defensive driving course in Connecticut, New Jersey, and Pennsylvania
- Driver training in New York, New Jersey, and Pennsylvania
- Driving history/habits in Pennsylvania
- Early quotes in Connecticut, New Hampshire, and Pennsylvania
- Good students in New Jersey and New York
- Bundling home and auto insurance in Connecticut, New Hampshire, Massachusetts, New Jersey, and Pennsylvania
- Hybrid/electric vehicles in Pennsylvania
- Membership/employee discounts in Massachusetts, Connecticut, and Pennsylvania
- Multi-car/family policies in Connecticut, New Hampshire, Massachusetts, New Jersey, and New York
- Bundling in Connecticut, New Hampshire, New Jersey, and New York
- Paid in full / good payer in Connecticut, New Hampshire, Massachusetts, and New York
- Paperless/automatic billing in Pennsylvania
- Safe driving in New Hampshire, New Jersey, New York, and Pennsylvania
- Students away from home in Connecticut, New Hampshire, Massachusetts, New Jersey, and New York
- Vehicle equipment in New York and Pennsylvania
- Young drivers in New Hampshire and New Jersey
- Alumni discounts in Pennsylvania
Why is my car insurance so high?
Your car insurance may be high for one or more of the following reasons:
- You haven’t taken advantage of discounts, like enrolling in paperless billing.
- You have a lot of supplemental coverages that you don’t need.
- You live in a state with a lot of auto insurance requirements, like Michigan.
- You live in a city, as cities have higher rates of vandalism and theft than rural and suburban areas.
- You aren’t married, as single, widowed, divorced, and separated people pay more for insurance than their married counterparts.
- You are male; men pay more for insurance, as they’re more likely to be involved in accidents.
- You have a short driving history, whether it’s because you’re a new driver or an immigrant who just got a U.S. driver’s license.
- You’re under the age of 25.
- You have bad credit and live in a state aside from Massachusetts, Michigan, Hawaii, or California, where basing auto insurance premiums on credit scores is banned.
- You have a history of accidents, tickets, DUIs, license suspensions, and/or license revocations.
- You had a gap in your auto insurance coverage.
- You have a long commute.
- You have a high annual mileage rate.
- You drive a vehicle with a low safety rating.
- You drive an expensive vehicle.
- You have a low deductible.
- Your car lacks anti-theft technology.
Which feature on your car is worth a discount on your car insurance?
These are some features on your car that are worth discounts on your car insurance:
- Alarm system
- Anti-lock brakes
- Automatic seat belts
- Crash-resistant doors
- Daytime running lights
- Electronic stability control
- GPS tracking
- Ignition kill switches
- Lane departure systems
- Multiple air bags
- Seat belts
Senior Writer & Editor
A seasoned journalist and content strategist with over 10 years of editorial experience in digital media, Aliza Vigderman has written and edited hundreds of articles on the site, covering everything from plan coverages to discounts to state laws. Previously, she was a senior editor and industry analyst at the home and digital security website Security.org, previously called Security Baron. She has also contributed to The Huffington Post, SquareFoot, and Degreed. Aliza studied journalism at Brandeis University.
Citations
Car Insurance Discounts. Amica. (2022).
https://www.amica.com/en/products/auto-insurance/discounts.htmlCoverage discounts. Clearcover. (2022).
https://support.clearcover.com/hc/en-us/articles/360046773073-Coverage-discountsAnti-Theft Devices. NICB. (2022).
https://www.nhtsa.gov/sites/nhtsa.gov/files/antitheft.pdf
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