Auto Insurance Discounts: The Best Ways to Save

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.

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

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January 12, 2024

Auto Insurance Discounts: The Best Ways to Save