Auto Insurance Discounts for Affordable Coverage (2026)
You can use auto insurance discounts for affordable coverage to save up to 25% on your monthly auto insurance premiums. Our guide will give you a complete list of the best auto insurance discounts, and help you find out which auto insurance companies offer the biggest car insurance savings.
Read more
Secured with SHA-256 Encryption
Find the Lowest Car Insurance Rates Today
Quote’s drivers have found rates as low as $42/month in the last few days!
Table of Contents
Table of Contents
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Eric Stauffer
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Chris Abrams
Updated February 2025
- Most insurance companies offer a wide variety of auto insurance discounts to customers
- Auto insurance discounts may be capped up to a certain percentage, so savings aren’t always as much as advertised
- The best way to see what you will save at a company is to get an auto insurance quote
Affordable auto insurance discounts are a great way to save on your car insurance policy. While every insurance company is different in what coverages it offers, there are usually vehicle-related discounts, driver-related discounts, and more at most companies.
What membership discounts are available for auto insurance? Drivers can enhance their savings significantly by carefully reviewing the fine print of discounts and identifying those that offer the greatest cost reductions.
To learn all about the best auto insurance discounts for affordable coverage, keep reading. We cover the major discounts that the best affordable auto insurance companies offer, as well as important facts you should know about car insurance discounts.
Complete List of the Most Affordable Auto Insurance Discounts
Bear in mind that your insurance company may not offer every discount on our list. However, you can expect that at least some of the most common car insurance discounts we go over will be offered at most auto insurance companies.
Read more: Winter Tire Auto Insurance Discount: Save on Auto Insurance
- Auto Insurance Discounts
- Does National General offer safe driving discounts? (2026)
- Best Auto Insurance for Government Employees in 2026 (We Suggest These 10 Providers)
- Five Tips for Lowering Your Auto Insurance Rates
- Best Car Insurance Discounts in 2026
- Car Rental Discount: Save on Auto Insurance (2026)
- Good Driver Auto Insurance Discount: Save on Auto Insurance (2026)
- Good Grade Auto Insurance Discount: Save on Auto Insurance (2026)
- Best Distant Student Auto Insurance Discounts in 2026 (Save up to 35% With These Companies)
- Winter Tire Auto Insurance Discount: Save on Auto Insurance (2026)
- Backup Camera Auto Insurance Discount: Save on Auto Insurance (2026)
- VIN Etching Auto Insurance Discount: Save on Auto Insurance (2026)
- Doctor Auto Insurance Discount: Save on Auto Insurance (2026)
- Best Auto Insurance Discounts for Memberships in 2026 (Save up to 25% With These Companies)
- Best Claims-Free Auto Insurance Discounts in 2026 (Save up to 25% With These Companies)
- Disabled Driver Auto Insurance Discount: Save on Auto Insurance (2026)
- Student Auto Insurance Discount: Save on Auto Insurance (2026)
- Hybrid Vehicle Auto Insurance Discount: Save on Auto Insurance (2026)
- Best Low-Mileage Auto Insurance Discounts in 2024 (Save up to 25% With These Companies)
- Occupation Auto Insurance Discount: Save on Auto Insurance (2026)
Affinity Auto Insurance Discounts
Some companies offer affinity discounts for organizations you belong to, your military service, your employer, and so on. For example, if you belong to AAA, you may be able to get a discount on your car insurance policy. Learn how in our AAA auto insurance review.
Military and veteran discounts are more common than discounts for organizational membership, such as belonging to college alums.
Employer-Based Auto Insurance Discounts
Can you get an occupational auto insurance discount from your job? Yes, and if you drive for work, some employers may negotiate auto insurance rates in bulk for their employees, meaning you may get a cheaper rate.
However, make sure to see if the discount offered through your employer is actually the cheapest option by getting quotes from other car insurance companies.
Read more: Affordable Auto Insurance Quotes for State Employees
Military and Veteran Auto Insurance Discounts
A number of auto insurance companies will offer a discount to military members or honorably discharged veterans.
Military Auto Insurance Discounts by Provider| Insurance Company | Potential Savings |
|---|---|
| Allstate | 10% |
| American Family | 12% |
| Amica Mutual | 10% |
| Auto-Owners | 10% |
| Erie Insurance | 12% |
| Farmers | 12% |
| Geico | 15% |
| Hanover Insurance | 7% |
| Liberty Mutual | 4% |
| MAPFRE Insurance | 6% |
| Mercury Insurance | 8% |
| National General | 9% |
| Nationwide | 10% |
| Progressive | 15% |
| Safe Auto | 25% |
| Safeco | 8% |
| State Farm | 10% |
| The General | 20% |
| Travelers | 5% |
| USAA | 12% |
In addition to military and veteran discounts at companies, USAA sells insurance products exclusively to military members and veterans and offers heavily discounted car insurance rates. Compare Allstate vs. USAA rates here.
Read more: Affordable Auto Insurance Quotes For Disabled Veterans
Anti-Theft Device Discount
Car insurance companies may offer discounts if your car has certain features that backup camera auto insurance discounts discourage theft or assist authorities in recovering your stolen vehicle.
Some examples of anti-theft recovery systems include:
- Car alarms: If you have an older vehicle, for example, it may not have a car alarm that goes off.
- Disabling devices: A disabling device will be if the car has a feature that prevents the car from being driven without a key.
- GPS systems: GPS systems can help authorities locate your vehicle if it is stolen.
- Vehicle recovery systems: A stolen vehicle recovery system helps authorities find your car.
- VIN etching: Are where the vehicle identification number is etched onto the glass, making it a deterrent to thieves who would have to replace the windows to resell the car. For additional information, please read VIN Etching Auto Insurance Discount: Save on Auto Insurance
- Backup Camera: A back-up camera is a safety feature installed in vehicles to improve visibility, it provides a live video feed of the area behind the vehicle. (For more information, read our “Backup Camera Auto Insurance Discount: Save on Auto Insurance“).
Car Safety Feature Discount
Insurance companies will sometimes offer a discount if cars have certain safety features that either work to prevent a crash or protect passengers in a car crash.
Some examples of safety features are as follows:
- Airbags
- Anti-lock brakes
- Daytime running lights
- Electronic stability control
Read more: Airbag Auto Insurance Discount: Save on Auto Insurance
This table shows some of the companies that offer these discounts.
Auto Insurance Discounts for Vehicle Safety Features by Provider| Insurance Company | Adaptive Cruise Discount | Adaptive Headlights Discount | Anti-Lock Brakes Discount | Anti-Theft Discount | Daytime Running Lights Discount | Electronic Stability Discount | Vehicle Recovery Discount | VIN Etching Discount |
|---|---|---|---|---|---|---|---|---|
| 21st Century | NA | NA | 5% | 5% | NA | 5% | 5% | NA |
| AAA | NA | NA | 5% | 5% | NA | 5% | 5% | NA |
| Allstate | 5% | 5% | 10% | 10% | 2% | 2% | 10% | 5% |
| American Family | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% |
| Ameriprise | NA | NA | 3% | 3% | NA | NA | 5% | NA |
| Amica | NA | 5% | 5% | 25% | NA | 5% | 10% | NA |
| Country Financial | NA | 5% | 5% | 10% | 5% | 5% | NA | NA |
| Esurance | NA | NA | 5% | 25% | 5% | NA | 25% | 5% |
| Farmers | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Geico | 5% | 5% | 5% | 23% | 3% | 5% | 15% | 5% |
| Liberty Mutual | 5% | 5% | 5% | 20% | 5% | 5% | 35% | 5% |
| MetLife | 5% | 5% | 5% | 10% | 5% | 5% | 10% | 10% |
| Nationwide | 5% | 5% | 5% | 25% | 5% | NA | 25% | NA |
| Progressive | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Safe Auto | NA | NA | 5% | 5% | 5% | NA | 5% | 5% |
| Safeco | NA | NA | 5% | 5% | NA | 5% | 5% | 5% |
| State Farm | 5% | 5% | 5% | 15% | 5% | 5% | 5% | 5% |
| The General | NA | NA | 8% | 8% | NA | NA | 8% | NA |
| The Hanover | NA | NA | 5% | 5% | 5% | NA | 5% | NA |
| The Hartford | NA | 3% | 3% | 3% | 3% | NA | 3% | NA |
| Travelers | 5% | 5% | NA | NA | NA | NA | 5% | NA |
| USAA | 5% | 5% | NA | NA | NA | 5% | NA | NA |
New vehicles are more likely to have a number of safety features that can qualify cars for this discount. In addition, cars that perform well in a crash are also likely to have cheaper rates than cars with poor crash ratings.
Defensive Driver Insurance Discount
You’ll likely have to successfully complete the course with a passing grade, and your insurer will usually want to see a certificate of completion before it issues your discount.
Early Bird Auto Insurance Discount
An early bird discount applies when you buy a new car insurance policy before your old one expires. How soon you have to purchase the new policy beforehand will depend upon the insurance company.
For example, a car insurance company may require you to purchase a new policy two weeks before your old one ends. There are many dangers of letting your auto insurance lapse.
The discount may be small at some companies, but a number of small discounts can add up to significant auto insurance savings. So make sure to take advantage of as many discounts as possible — even the 1% or 3% discounts can add up quickly.
Electronic Funds Transfer Discount
Drivers can earn electric funds transfer (EFT) discounts when they set up automatic withdrawals for policy billing. Some insurance companies may refer to it as an automatic payment discount.
Setting up automatic payments is also great for drivers, as it ensures they don’t end up missing a payment, which can lead to serious issues like insurance cancellation.
Good Driver Discount
A good driver auto insurance discount is for drivers who have been claim-free and violation-free for a specified period of time. Learn more about claims-free auto insurance discounts.
Generally, drivers must have a few years of good driving to qualify for a good driver discount at a car insurance company. Car insurance companies may also require a driver to be accident-free at their company for a few years to qualify.
For instance, if you have been accident-free but just switched to a new company, you may not get the discount until you have been with the company for a year or two and haven’t filed a claim.
However, you should get a cheaper rate to start with at your new company if you have a clean driving record, as you are a lower risk to insure.
Good Student Discount
Most auto insurance companies have the following requirements for a good student discount:
- Must have a “B” average or higher or a 3.0 or higher.
- Must be under 25 years of age.
- Must be attending school full time.
The car insurance company will require proof of good grades, such as a report card, in order to issue a good student discount. Check out our guide on good grade auto insurance discounts.
Homeowners Auto Insurance Discount
Some insurance companies will offer you a discount if you are a homeowner. This is different from a multi-policy discount, where you get a discount for purchasing homeowners and auto insurance from the same company. All you have to do to qualify is be a homeowner and provide proof of homeownership.
Low-Mileage Discount
A low-mileage auto insurance discount is offered at some insurance companies for drivers who drive less than the average driver. This mileage amount depends upon the insurance company, but the rule of thumb is less than 10,000 miles per year.
Low-Mileage Auto Insurance Discounts Available by Company| Companies | Low Mileage Discount | Percentage Saved |
|---|---|---|
 | No | N/A |
 | Yes | N/A |
 | Yes | N/A |
 | Yes | N/A |
 | No | N/A |
 | Yes | 10% |
 | Yes | N/A |
 | Yes | 15% |
 | Yes | N/A |
 | Yes | N/A |
 | Yes | N/A |
 | Yes | N/A |
 | Yes | N/A |
 | Yes | N/A |
 | No | N/A |
 | Yes | 20% |
 | Yes | 30% |
 | Yes | N/A |
 | Yes | N/A |
 | Yes | N/A |
 | Yes | N/A |
 | Yes | N/A |
You will have to provide proof of your reduced mileage in order to qualify for this discount at auto insurance companies. Some insurance companies may want periodic pictures of your odometer, for example, to see if your annual mileage qualifies you for the discount.
Multi-Car Discount
Car insurance companies want you to stay with them as a customer, so they often offer a discount if you insure more than one vehicle at the company.
Multi-Vehicle Auto Insurance Discount Availability by Company| Companies | Multi-Vehicle Discount | Percentage Saved |
|---|---|---|
| Yes | N/A |
| Yes | N/A |
| No | N/A |
| Yes | N/A |
| Yes | N/A |
| Yes | 15% |
| Yes | 15% |
| Yes | N/A |
| Yes | N/A |
| Yes | 25% |
| Yes | 10% |
| Yes | N/A |
| Yes | 20% |
| Yes | 10% |
| Yes | 15% |
 | Yes | 15% |
| Yes | 20% |
| Yes | 15% |
| Yes | 5% |
| Yes | 5% |
| Yes | 8% |
| Yes | N/A |
There are other ways to find affordable multi-car auto insurance.
It is also much easier to have all your cars insured at the same company rather than having a separate auto insurance policy at different companies for each car.
Multi-Policy Auto Insurance Discount
If the company you choose sells more than just car insurance, it likely also offers a multi-policy discount. You can save on one or both policies if you purchase more than one type of insurance.
Generally, you can bundle whatever you want with your auto insurance to earn the discount. For example, you could purchase home and auto insurance or business and auto insurance.
Read our guide to find the best insurance companies for bundling home and auto insurance near you.
New Car Discount
Some insurance companies offer discounts for new cars. Generally, insurance companies require the car to be no more than three or two years old to qualify for this discount. Find out how to get an auto insurance quote before buying a car so you don’t end up overpaying for car insurance.
Online Quote Auto Insurance Discount
Some auto insurance companies offer discounts if you get a quote from them and then sign up for an auto insurance policy. For example, if you find auto insurance quotes online and purchase a policy right away, you may get a small discount.
Paperless Auto Insurance Discount
A number of auto insurance companies will offer a small discount if you go paperless. This means your billing, policy details, and other important information will be sent to your mobile account or email rather than through the mail. It is cheaper for the company, and you get your information instantly instead of having to wait for it to come in the standard mail system.
Even though the discount may be as small as 1%, every little bit counts when it comes to reducing your auto insurance rates.
Pay-In-Full Auto Insurance Discount
Most insurance companies offer the option to pre-pay the annual sum of your policy rates instead of paying for coverage on a monthly basis. Most insurance companies will offer a small discount if you pay in full, making it slightly cheaper than paying monthly.
Take a look below at the average car insurance discount at companies for making your policy payment in full.
Paid-In-Full Auto Insurance Discounts By Company| Company | Paid-In-Full Discount | Percentage Saved |
|---|---|---|
| Yes | 10% |
| Yes | N/A |
| Yes | 6% |
| No | N/A |
| Yes | 12% |
| No | N/A |
| Yes | 11% |
| No | N/A |
| Yes | 9% |
| No | N/A |
If you can afford to do so, paying in full can be a great way to save on your car insurance policy.
Read more: What discounts are available for Travelers auto insurance customers?
Student-Away Auto Insurance Discount
A few companies offer a distant student auto insurance discount, sometimes called a student-away discount.
For example, if a family has a child who is away at school without a family car, they can get a student-away discount. Some insurance companies will require the school to be at least 100 miles away, as there is less of a chance the child will be coming back every weekend to use the car.
Usage-Based Auto Insurance Program Discounts
Usage-based insurance programs at companies track drivers’ data to see how well they drive and then offer a discount after the tracking period. Some companies will track data using a device that plugs into your car’s port, while others will have you download an app.
Usage-based discount programs typically track the following:
- Any phone usage while driving
- How much you drive
- The time of day you drive
- Your braking and acceleration
Even if you do poorly, most of these usage-based programs offer a discount just for signing up. However, it’s important to know that some insurance companies will increase your rates if you drive poorly during the program, so always make sure to read the fine print.
A number of insurance companies offer usage-based insurance programs, such as GEICO and State Farm. You can read our GEICO DriveEasy Review and our State Farm Drive Safe & Save Review to learn more about these programs.
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What to Know About Affordable Auto Insurance Discounts
Just because a car insurance company offers a number of discounts doesn’t mean it has the best savings. We want to go over a few things you should know about auto insurance discounts, so you can see how much a discount will actually save you and if it’s as good as promised.
Some Auto Insurance Discounts Might Be Capped
One thing to pay attention to is the car insurance companies’ wording of discounts. For instance, find out if the discounts are capped or if a discount is only up to a certain amount.
If discounts are capped, this means you can’t qualify for every discount to get massive savings on your auto insurance policy. Instead, the car insurance company will cap out how much of a percentage you can save from their discounts.
So even if you qualify for every discount at the company, you won’t receive the full percentage that you might initially expect.
As for “up to” discounts, you will see this wording on some discounts, especially those for safe driving usage-based programs. For example, companies will say that drivers can save up to 30% for safe driving, but the average amount that most drivers will save is more like 15%.
So if discounts seem too good to be true, make sure to read the fine print. A company that boasts of big discounts or has multiple discounts may not be the cheapest insurance company for you. This is why we advise getting quotes and comparing rates, as this is the best indicator of which companies are actually the cheapest.
Some States May Require Discounts
Some states require insurance companies to offer state-mandated discounts for affordable auto insurance if drivers qualify. So if your state does this, ensure you receive the discount if you recently qualified for it.
Some Auto Insurance Discounts Aren’t Automatic
Discounts aren’t always automatically applied. While some, like multi-car discounts, will be automatically applied, others aren’t. Examples would include defensive driving discounts and good student discounts, where proof is required to qualify.
Essentially, if you need to participate in something or provide proof, the discount won’t automatically apply to your car insurance policy.
Some Auto Insurance Discounts Will Vary By State
You will often see a big list of auto insurance discounts listed on a car insurance company’s website, but not all of these discounts may be available in every state.
So, read the fine print to see if the discount you want is available where you live. Even your Zip Code will affect your auto insurance rates. Learn more about how auto insurance quotes by state can vary.
Some Auto Insurance Discounts Don’t Apply To The Whole Bill
Some discounts may seem like they offer great savings at first, but this doesn’t mean that they do. Some discounts only apply to a certain coverage on your policy.
For example, while 15% for safe driving may seem like a lot, this may only apply to your comprehensive and collision insurance, not your whole policy bill.
Best Auto Insurance Companies for Affordable Discounts
So, which auto insurance companies offer the most discounts for drivers? Take a look at the table below to see the discounts different auto insurance companies offer to drivers:
Car Insurance Discounts Available by Company| Discount Name | | | | | | | | | | |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Adaptive Headlights | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Anti-lock Brakes | 10% | ✓ | ✓ | 5% | 5% | 5% | ✓ | 5% | ||
| Anti-Theft | 10% | ✓ | 23% | 20% | 25% | ✓ | 15% | |||
| Claim Free | 35% | ✓ | ✓ | 26% | ✓ | 10% | ✓ | 15% | 23% | 12% |
| Continuous Coverage | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | ||
| Daytime Running Lights | 2% | ✓ | 3% | 5% | 5% | ✓ | ✓ | |||
| Defensive Driver | 10% | 10% | ✓ | ✓ | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | ✓ | ✓ | ✓ | ✓ | 10% | ✓ | 7% | ||
| Driver's Ed | 10% | ✓ | ✓ | ✓ | 10% | ✓ | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | ✓ | ✓ | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | ✓ | ✓ | ✓ | ✓ | 8% | ✓ | ✓ | 10% | 12% |
| Electronic Stability Control | 2% | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Emergency Deployment | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Engaged Couple | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Family Legacy | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 10% |
| Family Plan | ✓ | ✓ | ✓ | ✓ | ✓ | 25% | ✓ | ✓ | ✓ | ✓ |
| Farm Vehicle | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Fast 5 | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Federal Employee | ✓ | ✓ | 12% | 10% | ✓ | ✓ | ✓ | ✓ | ||
| Forward Collision Warning | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | |
| Full Payment | 10% | ✓ | ✓ | $50 | ✓ | ✓ | ✓ | 8% | ✓ | |
| Further Education | ✓ | ✓ | 10% | 15% | ✓ | ✓ | ||||
| Garaging/Storing | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 90% | ||
| Good Credit | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Good Student | 20% | ✓ | 15% | 23% | 10% | ✓ | 25% | 8% | 3% | |
| Green Vehicle | 10% | ✓ | 5% | ✓ | 10% | ✓ | ✓ | ✓ | 10% | ✓ |
| Homeowner | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | 3% | 5% | ✓ | |
| Lane Departure Warning | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Life Insurance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Low Mileage | ✓ | ✓ | ✓ | 30% | ||||||
| Loyalty | ✓ | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | |
| Married | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||||
| Membership/Group | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | |||
| Military | ✓ | ✓ | 15% | 4% | ✓ | ✓ | ||||
| Military Garaging | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% |
| Multiple Drivers | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Multiple Policies | 10% | 29% | ✓ | 10% | 20% | 10% | 12% | 17% | 13% | |
| Multiple Vehicles | ✓ | ✓ | 25% | 10% | 20% | 10% | 20% | 8% | ||
| New Address | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Customer/New Plan | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| New Graduate | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| New Vehicle | 30% | ✓ | ✓ | 15% | ✓ | 40% | 10% | 12% | ||
| Newly Licensed | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Newlyweds | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Non-Smoker/Non-Drinker | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Occasional Operator | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Occupation | ✓ | 10% | 15% | ✓ | ✓ | ✓ | ||||
| On-Time Payments | 5% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 15% | ✓ | |
| Online Shopper | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 7% | ✓ | ✓ | ✓ |
| Paperless Documents | 10% | ✓ | ✓ | ✓ | 5% | $50 | ✓ | ✓ | ✓ | |
| Paperless/Auto Billing | 5% | ✓ | ✓ | ✓ | $30 | ✓ | $20 | 3% | 3% | |
| Passive Restraint | 30% | 30% | 40% | 20% | ✓ | 40% | ||||
| Recent Retirees | ✓ | ✓ | ✓ | ✓ | 4% | ✓ | ✓ | ✓ | ✓ | ✓ |
| Renter | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Safe Driver | 45% | ✓ | 15% | ✓ | 35% | 31% | 15% | 23% | 12% | |
| Seat Belt Use | ✓ | ✓ | ✓ | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Senior Driver | 10% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Stable Residence | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | |
| Students & Alumni | ✓ | ✓ | ✓ | 10% | 7% | ✓ | ✓ | ✓ | ||
| Switching Provider | ✓ | ✓ | 10% | ✓ | ✓ | ✓ | ✓ | |||
| Utility Vehicle | 15% | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| Vehicle Recovery | 10% | ✓ | ✓ | 15% | 35% | 25% | ✓ | 5% | ||
| VIN Etching | ✓ | ✓ | ✓ | ✓ | 5% | ✓ | ✓ | |||
| Volunteer | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Young Driver | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | $75 |
Some insurance companies have a much higher number of discounts than other companies, but this doesn’t necessarily mean that they are better. Discounts are just one factor that goes into your final car insurance rate. You should also consider a company’s reputation and coverage options when shopping for insurance.
The Final Word on Auto Insurance Discounts for Affordable Coverage
Auto insurance discounts are a great way to save on your car insurance policy, but it’s important always to read the fine print. For example, some discounts you may need to apply for, like a good student or defensive driving discounts. Others may not save you as much money as you initially thought if they are capped or only apply to a certain coverage.
If you want to get the cheapest auto insurance possible, the best thing you can do is shop around and get multiple quotes. You can use our free quote comparison tool to get started. It will help you find the best rates from auto insurance companies in your area.
Frequently Asked Questions
What are the best car insurance discounts?
Some of the best discounts are good driver discounts and multi-policy discounts. Good driver discounts tend to be high-saving discounts because you are proving to the car insurance company that you are low-risk to insure. The car insurance company is less likely to have to pay you out a claim, so it is more willing to offer savings.
A multi-policy discount also tends to earn a higher discount. Insurance companies want to attract customers, so having customers buy multiple types of insurance from them brings them more business and more money. However, before getting two types of insurance to get the discount, ensure the amount saved by the discount is worth it.
How much is a good student discount?
How much a good student discount saves drivers depends upon the insurance company. However, all insurance companies generally require the following for students to qualify:
- B average or higher
- 3.0 GPA or higher
- Full-time students
- Younger than 25 years of age
The insurance company will want proof of good grades before issuing a good student discount.
Do all insurance companies offer the same car insurance discounts?
No, insurance companies differ in the discounts they offer. While some discounts are common among many insurers, others may be specific to certain companies. It’s important to compare quotes from different insurers to find the best discounts for you.
What is considered a good driver to qualify for a good driver insurance discount?
You will need to have a clean driving record for a certain period of time, usually three to five years.
How to get cheap insurance for young drivers?
Some insurance companies offer discounts for young drivers who have completed a driver’s education course or maintain good grades in school.
Are there any car insurance discounts for students?
Yes, many auto insurance companies offer discounts for good students. To qualify, you usually need to maintain a certain GPA and provide proof of your grades.
What are the qualifications for insurance discounts?
You should contact your insurance agent right away to ask how you can qualify for a discount. They will help you review your policy and provide information on any other available discounts.
Are there any auto insurance discounts for seniors?
Yes, some insurance companies offer discounts to seniors who have clean records or complete a defensive driving course.
Can I get a discount for being a member of an organization?
Some insurers offer discounts for members of certain organizations, such as alumni associations or professional organizations.
Can I get a discount for bundling insurance policies?
Yes, most insurance companies offer multi-policy discounts. By bundling your auto insurance with other policies such as home insurance or renters insurance, you can often save on your overall insurance costs.
Related Articles
-
Mar 2025
Can you negotiate lower auto insurance rates?
-
Jul 2024
Why is auto insurance more expensive than the value of my car?
-
Dec 2024
Best Claims-Free Auto Insurance Discounts in 2026 (Save up to 25% With These Companies)
-
Feb 2025
Does your income affect your auto insurance rates?
-
Mar 2025
How Insurers Calculate Your Auto Insurance Rate (2026)
-
Mar 2025
How long does a DUI affect your auto insurance rates?
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption