Best Auto Insurance Discounts for Memberships in 2025 (Save up to 24% With These Companies)
State Farm, Geico, and Allstate offer the best auto insurance discounts for memberships, with up to 24% savings. State Farm provides discounts for various organizations, Geico offers savings for alumni and professional groups, and Allstate rewards club members, making them top providers for membership discounts.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Jan 31, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 31, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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The best auto insurance discounts for memberships are offered by State Farm, Geico, and Allstate, with savings of up to 24%. These companies are renowned for their competitive rates and extensive membership-based discounts, making them the best options for cost-conscious drivers.
State Farm shines with discounts for alumni, educators, and affinity groups, while Geico and Allstate provide valuable savings for military personnel and corporate employees.
Our Top 10 Picks: Best Auto Insurance Discounts for Memberships| Company | Rank | Membership Discount | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
 | #1 | 24% | B | Alumni networks, educators, affinity groups. |
 | #2 | 22% | A++ | Professional organizations, military, federal groups. |
 | #3 | 21% | A+ | Employees of large corporations, educators. |
 | #4 | 19% | A+ | Club affiliations, trade unions, educators. |
 | #5 | 17% | A | Federal employees, affinity groups, alumni clubs. |
 | #6 | 15% | A | Regional/national groups, trade unions, educators. |
 | #7 | 13% | A+ | Federal organizations, trade unions, alumni groups. |
 | #8 | 12% | A++ | Military personnel, veterans, military families. |
 | #9 | 11% | A++ | Alumni clubs, professional organizations, trade unions. |
 | #10 | 10% | A | State employees, affinity groups, educators. |
In the following article, we’ll dive deeper into the specific discounts offered by each provider, the types of auto insurance coverage available, and how you can maximize your savings based on your membership affiliations.
Explore your auto insurance options and discover the best auto insurance discounts for memberships by entering your ZIP code into our free comparison tool today.
- Memberships offer up to a 24% auto insurance discount
- Discounts apply to alumni and professional network members
- Employees of partner companies enjoy notable savings
Top Auto Insurance Providers Offering the Best Membership Discounts
Membership discounts can make a huge difference when it comes to saving on auto insurance. The following providers offer some of the best-tailored discounts for educators, military personnel, and professional organizations.
Along with generous savings, these companies are known for their strong coverage options and solid reputations, which make them top choices for affordable and reliable auto insurance.
There’s also State Farm, which is the leader in offering 24% off for alumni, educators, and affinity groups. State Farm provides a very good service and very solid coverage. But Geico has the bonus of military and federal employees getting 22% off; after all, it holds a top financial strength rating of A++.
Allstate takes third place at 21% for corporate workers and teachers; however, it is popular in terms of its widespread coverage areas and resources. It offers a 19% discount to the club and union members; however, it is pretty versatile and affordable compared to others.
Liberty Mutual offers 17% off to federal employees and alumni clubs and is known for really strong customer service. Farmers offer 15% off to regional groups and educators with personalized policies.
Membership discounts are valuable, but always consider the insurer's coverage, service, and stability to ensure you're getting long-term value.Laura Berry Former Licensed Insurance Producer
Nationwide offers 13% off for federal organizations and alumni, including stable coverage and solid service. USAA offers 12% off for military families, providing top-notch service and benefits for veterans and their families.
American Family offers 11% off to alumni clubs and professional organizations with an A++ financial rating. Finally, the American Family has 10% off for state employees and teachers, who offer affordability and reliable coverage. For a detailed look at their services and offerings, check out our American Family insurance review.
These providers stand out not only for their membership discounts but also for their reliable coverage, making them the best choices for those seeking affordable and comprehensive auto insurance.
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Unlock Savings Through Membership Discounts on Auto Insurance
Membership organizations offer various ways to save on auto insurance through exclusive discounts and partnerships with top-rated insurers. Many groups, such as AAA, AARP, Costco, and university alumni associations, will offer their members special benefits, which may include lower rates on auto insurance.
These discounts can be a great way to save on auto insurance while still getting excellent coverage. Let’s look at some of the best auto insurance discounts available through these organizations and how they can help you save money.
AAA
AAA car insurance is available only to members and only after an active membership has been achieved. In the event that a member’s membership lapses, his or her insurance will be canceled. Therefore, one must keep their membership active to maintain the policy.
Other than car insurance, other benefits of being a member of AAA include roadside assistance, travel discounts, and access to a nationwide service network.
While AAA’s car insurance rates are generally competitive, they may not always be the cheapest, especially compared to some of the lowest-priced options out there. People who are strictly looking for very cheap coverage might find something even cheaper. However, AAA’s rates are often comparable to those of major American insurers, making it a safe bet for many drivers.
It’s just a matter of the additional perks included with membership benefits in the true appeal of AAA car insurance. The value is found in roadside assistance, discounts for safe driving, multiple policies, and good students, making it more than basic coverage. AAA insurance is convenient and provides full services, which makes it a good option even though it’s not the cheapest.
Check out our AAA auto insurance review for a detailed breakdown of AAA’s offerings.
Read more: How To Cancel AAA Auto Insurance in 5 Steps
AARP
AARP, unlike AAA, doesn’t sell its own auto insurance policies. However, the organization has partnered with The Hartford to offer competitive auto insurance discounts to drivers over 50, including the AARP auto insurance discounts available through this partnership.
If you are over 50 and a member of AARP, then you qualify for the “AARP Auto Insurance Program from The Hartford”. While The Hartford sells auto insurance to anyone, AARP members can enjoy some of the most competitive car insurance rates, often enhanced by AARP Geico discounts for eligible drivers.
Does Geico offer an AARP discount? Yes, AARP members can benefit from special savings with Geico, which provides discounts to those who qualify. AARP members also receive additional benefits, such as a lifetime renewability guarantee with The Hartford in most states, which ensures car insurance for life as long as certain requirements are met.
If you’re already a member of AARP, or if you are considering joining, AARP auto insurance discounts through The Hartford or even Geico AARP discount offers might be the right choice for you.
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Alumni Associations
Many alumni associations offer car insurance discounts through partnerships with top insurers, helping members save on auto insurance premiums.
Geico partners with various alumni groups, including the University of Michigan Alumni Association, Harvard Alumni Association, and University of California Alumni Association. These partnerships provide exclusive discounts on auto insurance. Geico is known for its competitive rates and strong customer service.
Liberty Mutual also offers a 10% discount for alumni association members, partnering with groups like the University of Florida Alumni Association, Stanford Alumni Association, and Yale Alumni Association. This makes Liberty Mutual a great choice for those seeking comprehensive coverage at a reduced price.
If you’re part of an alumni association, ask about available car insurance discounts with trusted insurers like Geico and Liberty Mutual to lower your premiums.
Costco
Costco members save money on auto insurance with CONNECT by American Family Insurance, formerly Ameriprise. The provider changed in 2019, but as a result, members enjoy exclusive discounts with average first-year savings of $593. Eligibility varies, so those who qualify will also save money on competitive rates and special perks.
Roadside assistance coverage, lifetime renewability, and bundling home and auto insurance for more savings are the key benefits of CONNECT. Therefore, it can be a good option for Costco members who are searching for affordable and reliable coverage.
For comparisons, consider Costco auto insurance vs. Geico, Mercury Insurance, or AAA membership discounts. Be sure to check Costco’s car insurance quotes and CONNECT by American Family reviews for a full evaluation.
BJ’s Wholesale Club
If you are a member of BJ’s Wholesale Club, you may qualify for exclusive savings on BJ’s Geico car insurance. Through a partnership with Geico, BJ’s car insurance offers members access to special discounts and competitive rates. This partnership helps members save more on their policies compared to standard rates.
Like other Geico discount programs, the exact BJ’s auto insurance discount depends on individual circumstances, such as driving history, location, and vehicle type. However, BJ’s Wholesale Club members can take advantage of these benefits by requesting a quote online or over the phone. For more personalized rates, consider getting auto insurance quotes by vehicle.
Comparing your current policy with a BJ’s car insurance quote can help you determine how much you can save.
Whether you’re renewing your policy or shopping for a new one, being a member of BJ’s Wholesale Club could unlock valuable savings on BJ’s car insurance.
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Student Discounts
Many car insurance companies offer student auto insurance discounts to help young drivers save on premiums. If you’re a high school or college student maintaining a B average or higher, you may qualify for savings of 10% to 15% with certain providers.
Here is the list of best providers for student discounts:
- State Farm: Offers competitive good student discounts (up to 25%) for students under 25 with a B average, plus a student-away discount for those studying more than 100 miles from home.
- Geico: Provides up to 15% off for full-time students with good grades. Geico also partners with alumni associations and fraternities/sororities for additional savings after graduation.
- Allstate: Offers a Smart Student Discount for young drivers who meet academic requirements, complete a driver training program, or attend school far from home.
- Farmers: Provides a good student discount along with the potential to bundle savings through their youthful driver programs, making it ideal for families.
- Progressive: While their student discount is less prominent, they offer teen drivers discounts and promote enrollment in Snapshot, a usage-based program, for additional savings.
To qualify for a student discount, most insurers require a report card or transcript showing a B average or better, proof of full-time enrollment at a high school or college, and verification of distance from home for student-away discounts. Taking advantage of these discounts can lead to big savings during your academic career.
USAA and Military Discounts
USAA is a top choice provider for active-duty military members, veterans, and their families. USAA provides some of the best auto insurance discounts available. Their rates tend to be higher than most other insurers, given their experience in understanding military family needs and offering great customer service and extensive coverage options.
Membership also opens access to banking, investment services, and much more, so USAA can be considered a one-stop shop for military families. For a comprehensive review of the company’s offerings and customer satisfaction, you can check out our USAA auto insurance review.
Other providers also offer military discounts, though perhaps not as extensive as USAA. Companies such as Geico, Progressive, and State Farm deliver exclusive savings to military members. These are good cover options, including discounted prices for active-duty members and veterans, so they can be good alternatives to USAA for military families seeking reliable and affordable coverage.
Emergency Deployment Discounts
Military personnel stationed in high-risk regions can benefit from emergency deployment discounts, which reduce their auto insurance premiums for a short period. Geico is one of the leading providers of this discount, providing some relief to service members when they are on active deployment.
Military members should confirm automatic policy adjustments during deployment to ensure they receive the full benefit of emergency deployment discounts.Eric Stauffer Licensed Insurance Agent
Other providers include USAA, Progressive, and Allstate, offering special discounts to deployed military personnel. USAA is often considered the best because it offers support to military families through automatic policy adjustments when stationed overseas. These discounts consider the special situations of military life and help reduce some of the burdens of deployment.
For a deeper look at Progressive’s offerings, refer to our Progressive auto insurance review to learn more about their military discounts.
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Eagle Discounts for Federal Employees
Federal employees and retirees can save money on car insurance with discounts available from providers like Eagle Insurance that demonstrate appreciation for the service given to the government. These discount offerings keep the premium low, as well as make coverage cheaper.
Geico offers similar discounts for federal employees, special rates for the National Association of Federal Employees, the National Association of Government Contractors, and other popular organizations with Geico affiliation discounts. USAA is another excellent option for military families
In addition, the list of Geico discount organizations includes organizations such as Texas A&M University and the National Peace Corps Association, which increases the chances of getting better rates. When these discounts are combined with other savings options, federal employees get comprehensive auto insurance coverage at an affordable cost.
Auto Insurance Rates by Driving Record & Membership Discounts
Monthly auto insurance rates vary significantly based on driving history, and membership discounts can also greatly affect these costs. The premiums based on a driver having a clean driving record, one accident, one DUI, and one ticket can give you an idea of how the best auto insurance discounts for memberships lower your overall premium costs.
The premiums in the table illustrate how driving record affects monthly rates for 20, 40, 60, 80, 100, and 120-year-old drivers. For those who would qualify for membership discounts, the rates also show how much those discounts can lower premiums and provide a better idea of how your driving history and potential discounts interact to determine your price.
By comparing these rates, you will have a better idea of how much membership discounts lower your auto insurance premiums. Considering your driving history, this will go a long way in helping you identify the best coverage options that provide you with reasonably affordable pricing and valuable discounts.
Other Organizations and Discounts
Most organizations have partnerships with major insurance companies, such as Geico, to offer exclusive discounts on car insurance for members. You might save a lot more in coverage through these partnerships and be eligible for huge savings depending on the organization.
Insurance companies collaborate with basically all types of groups, ranging from business networks and professional associations to military or recreational organizations. Additionally, you can often negotiate lower auto insurance rates by leveraging these memberships and the discounts that come with them.
Here are some types of organizations that often provide car insurance discounts:
- Business and Professional Groups: Many employers or professional organizations provide their members with discounts through partnerships with insurance companies.
- Military Organizations: Active-duty military members, veterans, and their families can qualify for special car insurance discounts from providers like Geico and USAA.
- Recreational Organizations: Groups such as sports leagues or outdoor clubs may offer access to savings for their members.
- Fraternities and Sororities: Greek life can sometimes offer members perks such as lower insurance rates.
- Honor Societies: Academic honor societies may offer discounts to high-achieving members who maintain a certain GPA.
Be sure to check with your organization to see if they have any auto insurance savings opportunities available. These discounts can make a real difference in reducing your insurance premiums.
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6 Must Know Membership Car Insurance Discounts and Hidden Perks
Car insurance premiums can be lowered through various discounts, especially for those with memberships. Here are 6 car insurance discounts you should ask about, many of which are tied to organizations.
- AAA Membership Discount: Many insurers offer lower rates for AAA members, providing exclusive savings on auto insurance.
- AARP Membership Discount: AARP members, especially drivers 50 and older, can access reduced premiums through partnered insurers.
- Professional Organization Discount: Members of groups like the American Bar Association or NEA may qualify for discounted rates.
- Good Student Discount: Full-time students with good grades can save, and alumni groups may offer additional discounts like good-grade auto insurance discounts.
- Defensive Driving Course Discount: Completing a certified course can lead to savings, often with discounts tied to driving schools.
- Military Membership Discount: Active and retired military personnel can get special savings, especially through USAA and Geico.
Beyond these, there are hidden auto insurance discounts worth asking about. Memberships with Costco or Sam’s Club may offer savings, and paperless billing or pay-in-full discounts can lower costs further.
Loyalty discounts reward long-time policyholders, while new car and retiree discounts provide savings for specific groups. Always check with your insurer to ensure you’re getting the best possible rate.
Maximizing Savings with the Best Auto Insurance Membership Discounts
State Farm, Geico, and Allstate are the top providers for the best auto insurance discounts for memberships, offering up to a 24% discount. These companies deliver significant savings for members of alumni networks, professional organizations, military groups, and corporate employees.
Membership discounts can greatly reduce auto insurance premiums, with various organizations like AAA, AARP, Costco, and BJ’s offering exclusive savings through partnerships with top insurers.
Additionally, discounts are available for students, military families, and federal employees, with companies such as USAA, Progressive, Liberty Mutual, and Farmers providing strong coverage options. Exploring these options can help you find affordable auto insurance discounts and maximize savings on your policy by utilizing a free quote tool.
Get the best auto insurance discounts for memberships by entering your ZIP code into our free comparison tool today to find the most competitive rates available.
Frequently Asked Questions
Does Costco offer discounts on Ameriprise auto insurance?
Yes, Costco members can access exclusive auto insurance discounts through Ameriprise. By enrolling in Costco’s auto insurance program, you may qualify for reduced premiums and additional benefits, making it a great option for Costco members seeking competitive rates.
Is there a BJ’s discount with Geico for auto insurance?
Yes, BJ’s members can receive a discount on Geico auto insurance. By being a member of BJ’s Wholesale Club, you may be eligible for special savings on your Geico auto insurance policy, allowing you to enjoy both affordable rates and excellent coverage.
See how much you’ll pay for car insurance and find the best auto insurance discounts for memberships by entering your ZIP code into our free comparison tool.
What are the best auto insurance discounts for memberships?
Some of the best auto insurance discounts for memberships include affiliations with organizations like Costco, BJ’s, and AARP. These membership-based discounts often provide reduced rates for members who choose specific insurers, such as Ameriprise and Geico, offering substantial savings on auto insurance policies.
By taking advantage of auto insurance discounts for affordable coverage, drivers can ensure they are getting the best possible rates.
What is the list of Geico affiliation discounts?
Geico offers a variety of affiliation discounts, including those for members of organizations like Costco, BJ’s, alumni associations, and military veterans. These affiliations can significantly reduce your auto insurance rates, providing valuable savings for those who qualify.
Can I get Ameriprise car insurance through Costco?
Yes, Costco offers car insurance through its partnership with Ameriprise. This allows Costco members to enjoy exclusive discounts and competitive rates on their car insurance policies, making it a cost-effective choice for those looking to insure their vehicles.
How can I apply for the Costco Ameriprise insurance discount?
To apply for the Costco Ameriprise insurance discount, you will need to be a Costco member. Once you’re a member, you can contact Ameriprise directly through Costco’s auto insurance program to get a quote and activate your discount.
For additional savings, learn more about how you can negotiate lower auto insurance rates to reduce your insurance costs further.
What are the popular organizations that offer Geico affiliation discounts?
Geico offers affiliation discounts for a variety of organizations, including alumni groups, professional associations, and large membership clubs like Costco and BJ’s. These partnerships allow members to receive significant savings on auto insurance policies through Geico.
What is the difference between Costco Ameriprise car insurance and standard coverage?
The main difference between Costco Ameriprise car insurance and standard coverage is the additional savings and exclusive benefits available to Costco members. Members can access discounts that aren’t typically offered with standard auto insurance policies, allowing for lower premiums and enhanced customer service.
Enter your ZIP code into our free quote tool to find the best auto insurance discounts for memberships and providers that fit your needs and budget.
How does the Ameriprise auto insurance Costco discount work?
Costco members who choose Ameriprise for their car insurance can enjoy a variety of discounts. These typically include savings on premiums, reduced rates for combining insurance policies, and other benefits available exclusively to Costco members, helping them save more on their coverage.
What discounts does Geico offer to members of organizations like Costco?
Geico provides various discounts to members of affiliated organizations like Costco, BJ’s, and others. These discounts can reduce your auto insurance premiums, providing additional savings while maintaining excellent coverage. It’s worth checking if you qualify for these discounts by providing proof of membership when getting a quote.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
