Best Auto Insurance Discounts for Memberships in 2024 (Save up to 24% With These Companies)
The best auto insurance discounts for memberships come from State Farm, Geico, and Allstate, offering up to 24% off. Whether you're affiliated with large alumni networks, part of a professional organization, or an employee, these providers deliver excellent savings tailored to suit your needs.
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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: Dec 20, 2024
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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: Dec 20, 2024
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.
On This Page
State Farm, Geico, and Allstate have the best auto insurance discounts for memberships, up to 24% off. These providers take the lead in offering substantial discounts for a wide range of membership affiliations, hence the top choices for cost-conscious drivers.
Be it through professional associations or alumni groups, each of these companies helps customers reduce premiums while providing solid coverage options.
Our Top 10 Picks: Best Auto Insurance Discounts for Memberships| Company | Rank | Savings Potential | A.M. Best | Who Qualifies? |
|---|---|---|---|---|
 | #1 | 24% | B | Customers affiliated with major alumni networks. |
 | #2 | 22% | A++ | Members of professional organizations. |
 | #3 | 21% | A+ | Delivers notable savings for employees. |
 | #4 | 19% | A+ | Those associated with various club affiliations. |
 | #5 | 17% | A | Provides a solid savings option. |
 | #6 | 15% | A | Affiliates of national or regional groups. |
 | #7 | 13% | A+ | Provides reliable savings offers. |
 | #8 | 12% | A++ | Military personnel and their dependents. |
 | #9 | 11% | A++ | Delivers a decent discount overall. |
 | #10 | 10% | A | Offers savings to state employees. |
State Farm auto insurance review really shines with its wide range of discount options, but Geico and Allstate have strong, competitive rates.
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
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.
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AAA
AAA members are eligible to receive discounted car insurance. In fact, AAA only sells car insurance to AAA members. You must pay your annual AAA membership fee to qualify for car insurance. If you fail to renew your membership, then your car insurance will be canceled.
While AAA’s rates are generally competitive with major American insurers, they may be slightly higher compared to some of the lowest-cost options in the market.
A standout benefit of AAA car insurance is the added value of AAA membership perks, such as roadside assistance and travel discounts. For many drivers, these benefits make AAA insurance a worthwhile choice, even if it’s not the most affordable option available.
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.
AARP members gain access to exclusive auto insurance discounts and unique benefits like lifetime renewability, making it a smart choice for long-term savings.Dani Best Licensed Insurance Producer
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.
Alumni Associations
Many alumni associations offer significant discounts on car insurance through their partnerships with top insurers. Geico, for instance, partners with a large number of alumni associations across the country to offer its members exclusive discounts. To learn more about how these discounts work and other benefits, check out our Geico auto insurance review.
Liberty Mutual also partners with different types of alumni groups and offers a 10% discount on car insurance premiums.
Check with your alumni association to see if you qualify for the best auto insurance discounts for memberships.
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Costco
Costco members can save on car insurance through their partnership with Ameriprise, offering discounted rates. While not all members qualify, those who do can save an average of $593 in the first year. After Ameriprise sold its auto and home insurance business to American Family Insurance in 2019, Costco members still receive the same benefits, though now under American Family.
Exclusive perks for Costco members include roadside assistance, lifetime renewability, and the option to bundle home and auto insurance for additional savings. This makes Costco’s auto insurance a great choice for those looking for the best auto insurance discounts for memberships.
To compare, consider looking into Costco auto insurance vs Geico, Mercury insurance, Costco discount, or AAA membership discount for Costco for further options. Be sure to check Costco’s car insurance quote and Ameriprise car insurance’s reviews for more details.
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.
Student Discounts
We talked about alumni discounts above. You may not need to wait until graduation to qualify for a discount, however. Many car insurance companies offer student discounts or good student discounts.
If you maintain an average of B or higher, then you may qualify for savings of 10% to 15% with your car insurance company. Check with your insurer to see if you qualify. You will be required to provide a transcript proving your good grades, but it can save you hundreds – even thousands – of dollars during your high school and college years.
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USAA and Military Discounts
If you are an active-duty military veteran or an immediate family member, USAA membership pays off. USAA offers some of the best auto insurance discounts for its members, often providing better rates than other providers. Their policies are known for comprehensive coverage and excellent customer service.
For an in-depth look at their offerings, read out USAA auto insurance review.
USAA offers all these services: auto insurance, banking, investment services, and much more; it is the one-stop shop for military families. When you become a member, the benefits are there for you for life, which guarantees long-term savings and support.
Emergency Deployment Discounts
Military personnel who are deployed to an imminent danger zone may be entitled to emergency deployment discounts, which provide temporary premium reductions during the time of active deployment. One such company offering this discount to its qualifying members is Geico.
Other insurance companies offer better auto insurance discounts for memberships in special programs designed for military members who are deployed overseas or in high-risk areas. Discounts like these acknowledge the distinctive nature of military life, making the financial burden much easier to bear during deployments.
Eagle Discounts for Federal Employees
Geico has a “Geico Eagle Discount” available for federal employees, to both active and retired members. This discount would help them keep their premiums lower as a way to show appreciation for people serving or who have served in federal positions.
Some other insurance companies give similar discounts to federal employees, increasing their chances of securing better rates.
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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.
Membership discounts, combined with a clean driving record, can significantly lower premiums, offering both affordability and valuable coverage tailored to your driving history.Kristen Gryglik Licensed Insurance Agent
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
Whatever organization you belong to, you may qualify for specific auto insurance discounts. Geico and other major American insurance companies have partnered with hundreds of organizations across the country, including everything from business groups to professional associations to military organizations.
We recommend checking with your specific organizations to determine if you qualify for any car insurance savings, including:
- Business Groups or Professional Groups
- Military Organizations
- Recreational Organizations
- Fraternities and Sororities
- Honor Societies
Check with these organizations to see if you qualify for significant car insurance savings.
Maximizing Savings with the Best Auto Insurance Membership Discounts
Unlocking the best auto insurance discounts for memberships can feel like finding a hidden treasure. Providers like State Farm, Geico, and Allstate lead the way, offering savings of up to 24% for members of a variety of organizations, from alumni associations to professional networks and military groups.
But the perks don’t stop there—AAA, AARP, Costco, and BJ’s Wholesale Club also partner with top insurers like The Hartford and Ameriprise to provide affordable auto insurance discounts straight to your wallet. Whether you’re an alumni, a veteran, or a Costco regular, these membership-based discounts are a savvy way to lower premiums while securing top-tier coverage and benefits.
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.
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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.
