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Car insurance discounts can lower the price of car insurance and make it more affordable for many drivers. While the discounts offered by each insurer can vary, most have bundling, safe driving and good student discounts. Be sure to take advantage of all available discounts a provider has and then compare quotes with other insurance companies to find the best rate.

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2023

Car Insurance Discounts in 2023

Key Takeaways

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Discount deals can provide substantial savings, but your final quote is what matters most.

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Common discount types include driver safety, policy-based, driver profile and vehicle discounts.

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Speak to your insurer to discover the discounts you are eligible for and the potential impact on your premiums.

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Overview: Types of Car Insurance Discounts

Car insurance discounts usually fall into five categories:

  • Safe Driver Discounts: Safe driver discounts are designed to reward policyholders who demonstrate safe driving habits and take proactive measures to reduce risks on the road. These discounts encourage responsible behavior behind the wheel.
  • Policy-based: Policy-based discounts are related to the specific terms and conditions of the insurance policy. These discounts incentivize policyholders to adopt certain behaviors or choices that align with the insurance provider's preferences.
  • Driver-Profile Discounts: Driver-profile discounts are associated with specific characteristics or circumstances of the policyholder. These discounts take into account factors beyond driving behavior and policy choices.
  • Vehicle Discounts: Vehicle discounts are specific types of car insurance discounts that are based on the characteristics and features of your vehicle. These discounts are designed to incentivize and reward certain vehicle attributes that contribute to safety and security. These discounts acknowledge the safety features and technologies that reduce the risk of accidents or theft, resulting in potential cost savings on your car insurance premiums.
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The most common discounts available are home and auto bundling, student discounts, good driver discounts and multiple cars discounts.

However, The number of discounts you receive isn’t as important as the actual rate you pay for car insurance, but taking advantage of discounts is one of the best ways to find cheap car insurance without sacrificing quality service.

Quickly Explore Discounts

Safe Driver Car Insurance Discounts

Safe Driver discounts reward policyholders for practicing safe driving habits and taking proactive measures to enhance their driving skills. This includes having a clean driving history, utilizing seatbelts and completing educational courses that teach safe driving habits and provide an understanding of traffic laws and signs.

Safe Driving Discount

Safe driving discounts are offered to policyholders with a clean driving record, free from accidents and traffic violations. Insurers typically require a specific number of years without incidents to qualify for this discount. For example, if you've maintained a clean driving record for five consecutive years, you may be eligible for a safe driving discount. Most widely available car insurance companies offer this discount, including Allstate, Auto-Owners, GEICO, Progressive, State Farm, Farmers, Travelers and USAA.

Defensive Driving Discount

Defensive driving discounts are available to individuals who have completed an approved defensive driving course. These courses provide drivers with additional knowledge and skills to navigate challenging situations on the road. Eligibility requirements may vary, but completing an accredited course can help you qualify. GEICO, Nationwide, USAA and State Farm offer defensive driving discounts.

Driver's Education Discount

Driver's education discounts are designed for young drivers who have completed a driver's education course. These courses provide comprehensive instruction on safe driving practices and may be required to obtain a driver's license for young individuals. Completing a recognized driver's education program can make you eligible for this discount. Providers like Allstate, GEICO, Travelers, USAA and State Farm.

Seat Belt Use Discounts

Seat belt use discounts reward policyholders who consistently wear their seat belts while driving. Insurers encourage responsible behavior and promote safety by offering this discount. Eligibility requirements usually involve confirming that all occupants of the insured vehicle wear seat belts. This discount is available from GEICO.

Policy-Based Car Insurance Discounts

Policy-based discounts are applied based on the specific policy features and payment methods chosen by the policyholder. Those who have the opportunity to bundle a home and auto policy or stack policies with multi-car insurance can often maximize savings on their premiums. Policy and payment preferences such as pay-in-full, paperless or automatic payments may be able to shave off a small-but-notable percentage of the annual or monthly cost.

Home and Auto Bundle Discount

Home and auto bundle discounts are offered to policyholders who bundle their car insurance with other insurance policies, such as homeowners, renters or condo insurance. Combining policies with one insurer can lead to significant savings. Look for bundling options with Farmers, GEICO, Allstate, Auto-Owners, Nationwide, Progressive, USAA and State Farm, who all offer home and auto bundle discounts.

Multi-Car or Shared Family Car Discount

Multi-car discounts are available to policyholders insuring more than one vehicle with the same insurer. Shared family car discounts apply when multiple members of a family share a single vehicle for their insurance needs. Companies that offer multi-car discounts include Auto-Owners, Farmers, GEICO, Nationwide, Progressive, State Farm, Travelers and USAA.

Farmers offers a shared family car discount for families with a driver younger than 20 years old listed on the policy and if there are more drivers than vehicles.

Pay-in-Full Discount

Pay-in-full discounts are provided to policyholders who pay their premiums upfront for the entire policy term instead of opting for monthly payments. Though paying in full requires the highest up-front cost, it demonstrates financial responsibility and can lead to lower overall premiums. If you are prepared to pay in full at the start of your policy, look to Allstate, Auto-Owners, Farmers, Progressive and Travelers for this discount.

Automatic Payment Discount

Automatic payment discounts are given to policyholders who set up automatic payments for their insurance premiums. By ensuring timely and consistent payments, insurers offer this discount as an incentive for policyholders. Allstate, Farmers, Nationwide and Progressive provide discounts for automatic payments.

Paperless Discount

Paperless discounts encourage policyholders to receive documents and bills electronically, reducing paper waste and administrative costs. Drivers who opt for paperless billing and documentation can qualify for this discount. Allstate, Auto-Owners, Farmers, Nationwide, Progressive and Travelers provide this discount.

You may be able to double up on discounts with automatic payments and paperless billing with Allstate, Farmers, Nationwide and Progressive, as these companies offer both discount options.

Continuously Insured Discount

Continuously insured discounts are provided to policyholders who have maintained continuous coverage without any gaps or lapses in their car insurance policies. By consistently having coverage, policyholders demonstrate responsible behavior and commitment to maintaining insurance. If you've had continuous insurance, you may be eligible for this discount from Progressive.

Early Sign-Up Discounts

Early signing or sign-up discounts are available to policyholders who sign up for a new policy with an insurer before their current policy expires. This discount from Allstate, Auto-Owners and Travelers rewards individuals for proactive planning and loyalty.

Online Quote Discount

Online quote discounts encourage drivers to obtain insurance quotes online by providing a discount for doing so. By embracing digital channels, insurers can streamline the quote process and pass on the savings to policyholders. Progressive offers online quote discounts.

Responsible Payment Discount

Responsible payment discounts are given to those who consistently pay their premiums on time without any late payments. By demonstrating financial responsibility, policyholders can qualify for this discount. You may be able to save with Allstate if you haven't received a cancellation notice for non-payment in 12 months. Auto-Owners may offer this discount for those who've paid on time for three years, and Farmers offers this discount to those who have had no late fees for 12 months.

Loyalty Discount

Loyalty discounts are provided to policyholders who have been with the same insurer for an extended period. Insurers such as Travelers and USAA value long-term customers and offer this discount to reward loyalty.

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Driver Profile Car Insurance Discounts

Driver-profile discounts are based on certain characteristics or qualifications of the policyholder. This includes homeowners, low-mileage drivers and discounts for students, seniors or those with an affinity organization or eligible occupation.

Low-Mileage Discount

Low-mileage discounts are available to policyholders who drive fewer miles than the average driver. Lower mileage indicates reduced exposure to potential accidents and can result in lower premiums. Eligibility requirements may vary, but generally, driving below a certain mileage threshold qualifies for this discount from USAA.

Good Student Discount

Good student discounts are one of the most common car insurance discounts and are offered to policyholders who are full-time students and maintain good grades. GPA or academic achievement eligibility will vary by provider. Encouraging education and responsible behavior, Allstate, Auto-Owners, Farmers, GEICO, Nationwide, Progressive, State Farm, Travelers and USAA.

Distant Student Discount

Distant student discounts apply to policyholders who have a dependent child studying away from home. In general, to be eligible for this discount, the student must be attending an accredited college or university a certain distance away from their primary residence, and the student may be required to maintain a certain grade point average. Allstate, Auto-Owners, Farmers, Progressive, State Farm and Travelers may have unique eligibility requirements for this discount.

Homeowners Discount

Homeowners discounts are available to policyholders who own a home. Insurers often consider homeowners as lower-risk policyholders, resulting in potential premium reductions. Farmers, Progressive and Travelers offer this discount and may be a great option for those who own their home.

Professional or Alumni Association Discount

Affinity organization discounts are offered to policyholders who are members of specific professional or alumni associations. These discounts leverage group affiliations to provide policyholders with special rates. Farmers and Travelers offer this discount for those who are an employee or retiree of certain businesses. GEICO may offer discounts to those who are a member or partner alumni, those with fraternity or sorority associations and some professional organizations.

YOUR JOB MAY HELP YOU FIND A DISCOUNT

There are dedicated discounts for the following professions:

Vehicle-Specific Car Insurance Discounts

Vehicle-specific discounts are car insurance discounts that are based on the characteristics or features of your vehicle. These discounts are offered by insurance providers to encourage safe driving, reduce risks or acknowledge the security features of certain vehicles. By qualifying for these discounts, you may be able to lower your insurance premiums.

New Vehicle Discount

New vehicle discounts are available to policyholders who insure a vehicle that is brand new or within a specific age range, typically the first three model years. Insurers offer this discount to encourage the use of modern safety features and reduce maintenance costs. Allstate, GEICO, State Farm, Travelers and USAA offer new vehicle discounts.

Anti-lock Brakes Discount

Anti-lock brake discounts are provided to drivers with vehicles that are equipped with anti-lock brake systems (ABS). ABS helps prevent wheels from locking during sudden braking, improving control and reducing the risk of accidents. If your car has an ABS system, you may be eligible for this discount, which can help lower your insurance premium. Allstate, Auto-Owners, Farmers, GEICO and State Farm offer anti-lock brake discounts, but the eligibility requirements vary and may need to be factory installed.

Anti-theft System Discounts

Anti-theft system discounts apply to vehicles equipped with anti-theft devices or systems that reduce the risk of theft or unauthorized access. By reducing the likelihood of theft, insurers can offer lower premiums. Allstate, Auto-Owners, Farmers, GEICO, Nationwide and State Farm offer discounts for those with anti-theft systems and alarms.

Airbag Discounts

Airbag discounts are available to policyholders who have vehicles equipped with factory-installed airbags. Airbags enhance passenger safety by cushioning the impact during accidents, reducing the risk of severe injuries. Auto-Owners, Farmers, GEICO and State Farm offer this discount.

Alternative Energy

Alternative energy discounts are offered to policyholders who own or lease vehicles that use alternative fuels, such as electric or hybrid vehicles. Insurers incentivize eco-friendly choices by providing reduced premiums for these vehicles. Travelers offers this discount and Farmers provides this discount to those living in California.

Daytime Running Lights

Daytime running light discounts apply to vehicles equipped with daytime running lights (DRLs). DRLs enhance visibility during daylight hours, reducing the risk of accidents. Farmers, GEICO and State Farm offer this discount.

VIN Etching

VIN etching discounts are provided to policyholders who have their vehicle identification number (VIN) etched onto the windshield and other windows of their vehicles. Farmers offers this discount as it helps deter theft and aids in vehicle recovery.

Monitoring and Honing Device Discounts

Auto-Owners offers a discount for teens who enroll in an eligible app on their phone that monitors their driving habits. If you install a honing device that can track and locate your car in the event it is stolen, you may be eligible for a discount from Farmers. Other insurers may also participate in telematic discount programs that set rates based on your driving habits and behaviors.

How Car Insurance Discounts Work

Car insurance discounts work by providing policyholders with reduced premiums based on certain qualifying factors. Insurers assess eligibility for discounts based on various criteria, such as driver safety, policy attributes, driver profiles and vehicle characteristics. Discounts are applied to the premium amount, reducing the overall cost of insurance coverage.

It's important to note that while a discount may be advertised at a certain percentage, the actual discount you receive may vary. Some discounts may only apply to a portion of the premium, and others may have caps or limits. Additionally, it's possible that certain insurance providers offer cheaper car insurance policies even before applying discounts. Comparing quotes and evaluating the overall cost of coverage can help you make an informed decision.

Find Cheap Car Insurance Before Adding Discounts

Discounts will help you save money on your premiums, but starting with an affordable company can significantly lower your car insurance costs before you even apply for discounts. Use the table below to check out the cheapest insurers for your age range and the coverage you need based on average quotes.

Company
Annual Premium
Monthly Premium

USAA

$283

$24

USAA

$289

$24

USAA

$340

$28

State Farm

$391

$33

State Farm

$409

$34

GEICO

$424

$35

GEICO

$436

$36

Nationwide

$456

$38

Nationwide

$462

$38

State Farm

$494

$41

GEICO

$500

$42

Travelers

$504

$42

Progressive

$512

$43

Progressive

$514

$43

Travelers

$523

$44

Travelers

$548

$46

Farmers

$572

$48

Progressive

$579

$48

Nationwide

$592

$49

Farmers

$594

$50

Allstate

$604

$50

Allstate

$640

$53

Allstate

$641

$53

USAA

$658

$55

USAA

$679

$57

Farmers

$692

$58

USAA

$704

$59

USAA

$716

$60

State Farm

$819

$68

USAA

$836

$70

Nationwide

$856

$71

State Farm

$883

$74

USAA

$893

$74

State Farm

$905

$75

GEICO

$923

$77

Nationwide

$926

$77

Nationwide

$930

$78

GEICO

$936

$78

State Farm

$981

$82

Nationwide

$1,013

$84

GEICO

$1,013

$84

Travelers

$1,015

$85

GEICO

$1,028

$86

Travelers

$1,037

$86

Progressive

$1,088

$91

State Farm

$1,099

$92

Travelers

$1,118

$93

Progressive

$1,120

$93

GEICO

$1,123

$94

Allstate

$1,124

$94

Travelers

$1,137

$95

Allstate

$1,143

$95

Nationwide

$1,146

$96

Farmers

$1,160

$97

Progressive

$1,179

$98

Travelers

$1,183

$99

Farmers

$1,192

$99

Progressive

$1,204

$100

State Farm

$1,209

$101

Allstate

$1,209

$101

GEICO

$1,228

$102

Allstate

$1,231

$103

Allstate

$1,247

$104

Nationwide

$1,248

$104

Travelers

$1,295

$108

Farmers

$1,298

$108

Farmers

$1,326

$110

Allstate

$1,332

$111

Progressive

$1,353

$113

Farmers

$1,437

$120

Progressive

$1,466

$122

Farmers

$1,600

$133

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Car Insurance Companies With the Most Discounts

If you’re searching for specific discounts, choosing a provider that offers a wide range may be a good place to start. While discount types, names and selections may vary by location, many insurers offer some form of promotional discount. Use the table below to find providers with the most discounts.

Find Car Insurance Discounts by Insurer

Choose an insurer from the table below to review its discount offerings. Click the company name for a comprehensive review of cost, product offerings and customer satisfaction.

Company
Discount

21st Century

Affinity organization

21st Century

Anti-theft system

21st Century

Defensive driving

21st Century

Driver's education

21st Century

Good student

21st Century

Honing device

21st Century

Multiple Car

21st Century

Safe driving

21st Century

Senior driver

AAA

Affinity organization

AAA

Anti-theft system

AAA

Bundling

AAA

Early signing

AAA

Good Student

AAA

Multiple Car

AAA

Nurse

AFI

Military discount

Alfa

Air bag

Alfa

Anti-theft system

Alfa

Bundling - Life

Alfa

Bundling - Umbrella

Alfa

Defensive driving

Alfa

Defensive driving

Alfa

Driver's education

Alfa

Good student

Alfa

Homeowners

Alfa

Military discount

Alfa

Multiple Car

Alfa

Occupational

Alfa

Teacher

Allstate

Anti-lock brakes

Allstate

Anti-theft system

Allstate

Automatic payment

Allstate

Bundling

Allstate

Distant student

Allstate

Driver's education

Allstate

Early signing

Allstate

Good student

Allstate

New vehicle

Allstate

Paperless

Allstate

Pay in Full

Allstate

Responsible payment

Allstate

Safe driving

American Family

Air bag

Farm Bureau - Kentucky

Multiple Car

American Family

Automatic payment

American Family

Bundling

American Family

Defensive driving

American Family

Distant student

American Family

Early signing

American Family

Good student

American Family

Legacy

American Family

Loyalty

American Family

Mileage

American Family

Multiple Car

American Family

New customer

American Family

Paperless

American Family

Pay in Full

American Family

Safe driving

American Family

Volunteer

Amica

Advanced safety features

Amica

Air bag

Amica

Anti-theft system

Amica

Automatic payment

Amica

Bundling

Amica

Continuously insured

Amica

Defensive driving

Amica

Distant student

Amica

Driver's education

Amica

Good student

Amica

Homeowners

Amica

Legacy

Amica

Multiple Car

Amica

Paperless

Amica

Pay in Full

Amica

Safe driving

Arbella

Alternative energy

Arbella

Anti-theft system

Arbella

Bundling

Arbella

Distant student

Arbella

Driver's education

Arbella

Driver's education

Arbella

Good student

Arbella

Loyalty

Arbella

Mileage

Arbella

Military discount

Farm Bureau - Kentucky

Occupational

Arbella

Multiple Car

Arbella

New customer

Arbella

Pay in Full

Auto-Owners Insurance

Air bag

Auto-Owners Insurance

Anti-lock brakes

Auto-Owners Insurance

Anti-theft system

Auto-Owners Insurance

Bundling

Auto-Owners Insurance

Bundling - Life

Auto-Owners Insurance

Distant student

Auto-Owners Insurance

Early signing

Auto-Owners Insurance

Good student

Auto-Owners Insurance

Multiple Car

Auto-Owners Insurance

Paperless

Auto-Owners Insurance

Pay in Full

Auto-Owners Insurance

Responsible payment

Auto-Owners Insurance

Safe driving

Bristol West

Automatic payment

Bristol West

Bundling

Bristol West

Paperless

Bristol West

Safe driving

California Casualty

Nurse

Chubb

Bundling

Cincinnati Insurance

Bundling

Cincinnati Insurance

Good student

Cincinnati Insurance

Multiple Car

Cincinnati Insurance

Safe driving

Country Financial

Anti-theft system

Country Financial

Bundling

Country Financial

Defensive driving

Country Financial

Driver's education

Country Financial

Early signing

Country Financial

Good student

Country Financial

Legacy

Country Financial

Marriage

Country Financial

Multiple Car

Country Financial

Nurse

Country Financial

Occupational

Country Financial

Safe driving

Direct Auto

Military discount

Direct General

Affinity organization

Direct General

Bundling

Direct General

Continuously insured

Direct General

Good student

Direct General

Homeowners

Direct General

Military discount

Direct General

Multiple Car

Direct General

Renewal

Direct General

Safe driving

Direct General

Senior driver

Direct General

Welcome Back

Electric Insurance

Affinity organization

Electric Insurance

Air bag

Electric Insurance

Alternative energy

Electric Insurance

Anti-lock brakes

Electric Insurance

Anti-theft system

Electric Insurance

Bundling

Electric Insurance

Defensive driving

Electric Insurance

Distant student

Electric Insurance

Driver's education

Electric Insurance

Early signing

Electric Insurance

Good student

Electric Insurance

Legacy

Electric Insurance

Marriage

Electric Insurance

Mileage

Electric Insurance

New vehicle

Electric Insurance

Pay in Full

Electric Insurance

Safe driving

Elephant

Bundling

Elephant

Early signing

Elephant

Good student

Elephant

Homeowners

Elephant

Legacy

Elephant

Mileage

Elephant

Paperless

Elephant

Pay in Full

Elephant

Safe driving

Encompass

Air bag

Encompass

Anti-lock brakes

Encompass

Anti-theft system

Encompass

Automatic payment

Encompass

Defensive driving

Encompass

Distant student

Encompass

Driver's education

Encompass

Early signing

Encompass

Responsible payment

Encompass

Good student

Encompass

Good Student

Encompass

Homeowners

Encompass

New vehicle

Encompass

Safe driving

Erie

Air bag

Erie

Anti-lock brakes

Erie

Anti-theft system

Erie

Bundling

Erie

Distant student

Erie

Driver's education

Erie

Legacy

Erie

Pay in Full

Erie

Young safe driver

Esurance

Bundling

Esurance

Good Student

Esurance

Homeowners

Esurance

Military discount

Esurance

Sign up online

Farm Bureau - Arkansas

Bundling

Farm Bureau - Arkansas

Continuously insured

Farm Bureau - Arkansas

Defensive driving

Farm Bureau - Arkansas

Driver's education

Farm Bureau - Arkansas

Farm

Farm Bureau - Arkansas

Good student

Farm Bureau - Arkansas

Good student

Farm Bureau - Arkansas

Loyalty

Farm Bureau - Arkansas

Responsible payment

Farm Bureau - Arkansas

Safe driving

Farm Bureau - Indiana

Air bag

Farm Bureau - Indiana

Anti-lock brakes

Farm Bureau - Indiana

Bundling

Farmers

Bundling

Farm Bureau - Indiana

Bundling - Life

Farm Bureau - Indiana

Bundling - Other

Farm Bureau - Indiana

Driver's education

Farm Bureau - Indiana

Farm

Farm Bureau - Indiana

Good student

Farm Bureau - Indiana

Loyalty

Farm Bureau - Indiana

Multiple Car

Farm Bureau - Indiana

Occupational

Farm Bureau - Indiana

Paperless

Farm Bureau - Indiana

Pay in Full

Farm Bureau - Indiana

Safe driving

Farm Bureau - Indiana

Safe driving

Farm Bureau - Indiana

Senior driver

Farm Bureau - Indiana

Young safe driver

Farm Bureau - Iowa/Kansas/Minnesota/Nebraska/South Dakota

Bundling

Farm Bureau - Iowa/Kansas/Minnesota/Nebraska/South Dakota

Driver's education

Farm Bureau - Iowa/Kansas/Minnesota/Nebraska/South Dakota

Good student

Farm Bureau - Iowa/Kansas/Minnesota/Nebraska/South Dakota

Loyalty

Farm Bureau - Iowa/Kansas/Minnesota/Nebraska/South Dakota

Mileage

Farm Bureau - Iowa/Kansas/Minnesota/Nebraska/South Dakota

Multiple Car

Farm Bureau - Iowa/Kansas/Minnesota/Nebraska/South Dakota

Safe driving

Farm Bureau - Kentucky

Air bag

Farm Bureau - Kentucky

Anti-lock brakes

Farm Bureau - Kentucky

Anti-theft system

Farm Bureau - Kentucky

Bundling

Farm Bureau - Kentucky

Bundling - Umbrella

Farm Bureau - Kentucky

Driver's education

Farm Bureau - Kentucky

Good student

Farm Bureau - Kentucky

Military discount

Farm Bureau - Kentucky

Safe driving

Farm Bureau - Kentucky

Senior driver

Farm Bureau - Michigan

Affinity organization

Farm Bureau - Michigan

Anti-theft system

Farm Bureau - Michigan

Bundling

Farm Bureau - Michigan

Early signing

Farm Bureau - Michigan

Multiple Car

Farm Bureau - Michigan

Pay in Full

Farm Bureau - Michigan

Safe driving

Farm Bureau - Missouri

Air bag

Farm Bureau - Missouri

Alternative energy

Farm Bureau - Missouri

Bundling

Farm Bureau - Missouri

Good student

Farm Bureau - Missouri

Multiple Car

Farm Bureau - Missouri

Occupational

Farm Bureau - Missouri

Safe driving

Farm Bureau - Missouri

Safe driving

Farm Bureau - North Dakota

Bundling

Farm Bureau - North Dakota

Defensive driving

Farm Bureau - North Dakota

Legacy

Farm Bureau - North Dakota

Multiple Car

Farm Bureau - North Dakota

Paperless

Farm Bureau - Oklahoma

Bundling

Farm Bureau - Oklahoma

Defensive driving

Farm Bureau - Oklahoma

Good student

Farm Bureau - Oklahoma

Loyalty

Farm Bureau - Oklahoma

Multiple Car

Farmers

Affinity organization

Farmers

Air bag

Farmers

Alternative energy

Farmers

Anti-lock brakes

Farmers

Anti-theft system

Farmers

Automatic payment

Farmers

Daytime running lights

Farmers

Distant student

Farmers

Good student

Farmers

Homeowners

Farmers

Honing device

Farmers

Military discount

Farmers

Multiple Car

Farmers

Nurse

Farmers

Paperless

Farmers

Pay in Full

Farmers

Responsible payment

Farmers

Safe driving

Farmers

Senior driver

Farmers

Shared family car

Farmers

Teacher

Farmers

VIN etching

Freeway

Continuously insured

Freeway

Good student

Freeway

Homeowners

Freeway

Locked Garage

Freeway

Military discount

GEICO

Affinity organization

GEICO

Air bag

GEICO

Anti-lock brakes

GEICO

Anti-theft system

GEICO

Bundling

GEICO

Daytime running lights

GEICO

Defensive driving

GEICO

Driver's education

GEICO

Emergency deployment

GEICO

Federal employee discount

GEICO

Good student

GEICO

Military discount

GEICO

Multiple Car

GEICO

New vehicle

GEICO

Safe driving

GEICO

Seat belt use

GEICO

Senior driver

GEICO

Teacher

Grange Insurance

Bundling

Grange Insurance

Distant student

Grange Insurance

Early signing

Grange Insurance

Good student

Grange Insurance

Legacy

Grange Insurance

Multiple Car

Grange Insurance

Pay in Full

Grange Insurance

Safe driving

Horace Mann

Teacher

Kemper

Continuously insured

Kemper

Defensive driving

Kemper

Early signing

Kemper

Good student

Kemper

Homeowners

Kemper

Military discount

Kemper

Multiple Car

Kemper

Pay in Full

Kemper

Senior driver

Liberty Mutual

Advanced safety features

Liberty Mutual

Alternative energy

Liberty Mutual

Anti-lock brakes

Liberty Mutual

Anti-theft system

Liberty Mutual

Automatic payment

Liberty Mutual

Bundling

Liberty Mutual

Distant student

Liberty Mutual

Early signing

Liberty Mutual

Good student

Liberty Mutual

Homeowners

Liberty Mutual

Military discount

Liberty Mutual

Multiple Car

Liberty Mutual

Paperless

Liberty Mutual

Pay in Full

Liberty Mutual

Safe driving

Liberty Mutual

Sign up online

Liberty Mutual

Teacher

MAPFRE Insurance

Bundling

MAPFRE Insurance

Distant student

MAPFRE Insurance

Good student

MAPFRE Insurance

Mileage

MAPFRE Insurance

Multiple Car

MAPFRE Insurance

Paperless

MAPFRE Insurance

Pay in Full

Meemic

Teacher

Mercury

Anti-theft system

Mercury

Automatic payment

Mercury

Bundling

Mercury

Good student

Mercury

Multiple Car

Mercury

Paperless

Mercury

Pay in Full

Mercury

Safe driving

Mercury

Senior driver

Mercury

Teacher

National General

Affinity organization

National General

Anti-theft system

National General

Automatic payment

National General

Bundling

National General

Mileage

National General

Multiple Car

National General

Multiple Car

National General

Paperless

National General

Pay in Full

National General

Safe driving

National General

Senior driver

Nationwide

Anti-theft system

Nationwide

Automatic payment

Nationwide

Bundling

Nationwide

Defensive driving

Nationwide

Good student

Nationwide

Multiple Car

Nationwide

Paperless

Nationwide

Safe driving

New Jersey Skylands

Bundling

New Jersey Skylands

Early signing

New Jersey Skylands

Good student

New Jersey Skylands

Homeowners

New Jersey Skylands

Multiple Car

New Jersey Skylands

Pay in Full

New Jersey Skylands

Safe driving

NJM Insurance Co.

Air bag

NJM Insurance Co.

Anti-lock brakes

NJM Insurance Co.

Anti-theft system

NJM Insurance Co.

Automatic payment

NJM Insurance Co.

Bundling

NJM Insurance Co.

Defensive driving

NJM Insurance Co.

Driver's education

NJM Insurance Co.

Good student

NJM Insurance Co.

Multiple Car

NJM Insurance Co.

New vehicle

NJM Insurance Co.

Paperless

NJM Insurance Co.

Pay in Full

NJM Insurance Co.

Senior driver

Plymouth Rock Assurance

Bundling

Plymouth Rock Assurance

Bundling

Plymouth Rock Assurance

Distant student

Plymouth Rock Assurance

Driver's education

Plymouth Rock Assurance

Driver's education

Plymouth Rock Assurance

Good student

Plymouth Rock Assurance

Multiple Car

Plymouth Rock Assurance

Nurse

Plymouth Rock Assurance

Occupational

Plymouth Rock Assurance

Safe driving

Plymouth Rock Assurance

Safe driving

Plymouth Rock Assurance

Shared family car

Plymouth Rock Assurance

Teacher

Progressive

Automatic payment

Progressive

Bundling

Progressive

Continuously insured

Progressive

Distant student

Progressive

Good student

Progressive

Homeowners

Progressive

Internet

Progressive

Multiple Car

Progressive

Paperless

Progressive

Pay in Full

Progressive

Safe driving

Progressive

Sign up online

Safe Auto

Homeowners

Safe Auto

Multiple Car

Safeco

Distant Student

Safeco

Good Student

Safeco

Safe driving

Safety Insurance

Bundling

Safety Insurance

Distant student

Safety Insurance

Good student

Safety Insurance

Loyalty

Safety Insurance

Multiple Car

Safety Insurance

Paperless

Safety Insurance

Safe driving

Safety Insurance

Safe driving

Selective

Anti-theft system

Selective

Bundling

Selective

Driver's education

Selective

Early signing

Selective

Responsible payment

Selective

Good student

Selective

Safe driving

Shelter

Air bag

Shelter

Anti-theft system

Shelter

Bundling

Shelter

Defensive driving

Shelter

Driver's education

Shelter

Good student

Shelter

Military discount

Shelter

Multiple Car

Shelter

Pay in Full

Shelter

Safe driving

Shelter

Senior driver

Shelter

VIN etching

State Auto

Anti-theft system

State Auto

Bundling

State Auto

Defensive driving

State Auto

Driver's education

State Auto

Early signing

State Auto

Good student

State Auto

Multiple Car

State Auto

Pay in Full

State Farm

Air bag

State Farm

Anti-theft system

State Farm

Bundling

State Farm

Defensive driving

State Farm

Distant student

State Farm

Driver's education

State Farm

Good student

State Farm

Multiple Car

State Farm

New vehicle

State Farm

Safe driving

Texas Farm Bureau

Anti-theft system

Texas Farm Bureau

Good student

Texas Farm Bureau

Multiple Car

Texas Farm Bureau

Safe driving

The General

Air bag

The General

Continuously insured

The General

Defensive driving

The General

Good student

The General

Homeowners

The General

Military discount

The General

Multiple Car

The General

Pay in Full

The General

Safe driving

The Hanover

Anti-theft system

The Hanover

Bundling

The Hanover

Defensive driving

The Hanover

Distant student

The Hanover

Good student

The Hanover

Multiple Car

The Hanover

Pay in Full

The Hartford

Air bag

The Hartford

Alternative energy

The Hartford

Anti-lock brakes

The Hartford

Bundling

The Hartford

Defensive driving

The Hartford

Driver's education

The Hartford

Good Student

The Hartford

Pay in Full

The Hartford

Senior driver

Travelers

Affinity organization

Travelers

Alternative energy

Travelers

Bundling

Travelers

Distant student

Travelers

Driver's education

Travelers

Early signing

Travelers

Good student

Travelers

Homeowners

Travelers

Loyalty

Travelers

Multiple Car

Travelers

New vehicle

Travelers

Paperless

Travelers

Safe driving

USAA

Bundling

USAA

Defensive driving

USAA

Driver's education

USAA

Good student

USAA

Legacy

USAA

Loyalty

USAA

Mileage

USAA

Military discount

USAA

Multiple Car

USAA

New vehicle

USAA

Safe driving

USAA

Vehicle storage

Wawanesa

Affinity organization

Wawanesa

Bundling

Wawanesa

Loyalty

Wawanesa

Military discount

Wawanesa

Multiple Car

Wawanesa

Safe driving

Wawanesa

Senior driver

Auto-Owners Insurance

Honing device

Capital Insurance Group

Good student

Cincinnati Insurance

Air bag

Cincinnati Insurance

Anti-lock brakes

Cincinnati Insurance

Anti-theft system

Chubb

Defensive driving

Chubb

Anti-theft system

Chubb

Honing device

Chubb

VIN etching

Chubb

Anti-lock brakes

Chubb

Daytime running lights

AAA

Pay in Full

AAA

Loyalty

AAA

Mileage

AAA

Original Owner

AAA

Distant student

Erie

Safe driving

Erie

Defensive driving

Erie

VIN etching

Erie

Daytime running lights

Erie

Multiple Car

Erie

Senior driver

Erie

Automatic payment

Erie

Honing device

Erie

Mileage

State Farm

Anti-lock brakes

State Farm

Daytime running lights

State Farm

Senior driver

Texas Farm Bureau

Driver's education

Texas Farm Bureau

Bundling

West Bend Mutual

Safe driving

West Bend Mutual

Multiple Car

West Bend Mutual

Good student

West Bend Mutual

Anti-lock brakes

West Bend Mutual

Distant student

American National P&C

Early signing

American National P&C

Bundling

American National P&C

Multiple Car

Travelers

Pay in Full

Acuity

Bundling

Acuity

Multiple Car

Acuity

New Customer

Acuity

Good Student

Acuity

Driver's education

Acuity

Safe driving

Acuity

Pay In Full

Acuity

Advanced safety features

Grinnell Mutual

Pay In Full

Grinnell Mutual

Bundling

Grinnell Mutual

Early signing

Grinnell Mutual

Anti-theft system

Grinnell Mutual

Distant student

Grinnell Mutual

Defensive driving

Grinnell Mutual

Good student

Grinnell Mutual

Homeowners

Grinnell Mutual

Seat belt use

Grinnell Mutual

Air bag

Grinnell Mutual

Responsible payment

The Hanover

Automatic payment

Western National

Anti-theft system

Western National

New customer

Western National

Loyalty

Western National

Defensive driving

Western National

Good student

Western National

Bundling

Western National

Multiple Car

Western National

Pay in Full

AAA Discounts

AAA offers 12 discounts, including bundling, multiple cars, early signing and anti-theft system discounts.

  • Standout discount: AAA offers an affinity organization discount, which allows drivers in a qualifying partner organization or professional group additional savings on their car insurance.

Allstate Discounts

Allstate offers 13 discounts, with most discounts available in the payment history category.

  • Standout discount: Allstate offers a responsible payment discount, allowing drivers who don’t receive a cancellation notice for non-payment within a 12-month period to score savings on their car insurance.

Amica Discounts

Amica has 16 discounts, with the most discounts available in the driver profile category.

  • Standout discount: Amica offers a legacy discount, which allows drivers under 30 who were insured on their parents’ Amica policy for at least five years to receive a discount on their own policy.

Esurance Discounts

Esurance offers five discounts. These discounts fall into the policy and payment categories and include bundling, homeowners and online sign-up. Esurance does not offer home insurance, but drivers who rent can save if they bundle renters and car insurance policies.

Farmers Discounts

Farmers boasts the most car insurance discounts (23) of any carrier. The company also provides more vehicle equipment discounts than its competitors, including discounts for VIN etching, anti-theft systems, alternative energy, anti-lock brakes and more.

  • Standout discount: Farmers Insurance offers a honing device discount, which allows drivers to save if they install a device in their vehicle that tracks their location. This device can help drivers relocate their car if it’s stolen.
  • Standout discount: Farmers offers a senior discount that gives reduced premium rates to people over 55 who have completed state-approved safe driver training in the last three years.

GEICO Discounts

GEICO offers 18 available discounts, with most discounts under the driver-profile discount category.

  • Standout discount: GEICO offers a federal employee discount to active and retired federal employees.
  • Standout discount: GEICO offers an emergency deployment discount, allowing military drivers to save on their premiums if deployed for an emergency.

Liberty Mutual Discounts

Liberty Mutual has 17 discounts across a broad range of discount categories.

  • Standout discount: Liberty Mutual helps drivers of hybrid or electric cars save on their car insurance with alternative energy discounts.
  • Standout discount: Liberty Mutual offers a military discount for active, retired and reserved military insureds.

Nationwide Discounts

Nationwide Insurance offers eight discounts on car insurance, with most in the driver profile and payment categories. However, most of these discounts are fairly standard and provided by most other companies. Drivers can take advantage of discounts for bundling, making automatic payments and going paperless. Nationwide also awards good student, safe driving, defensive driving and anti-theft system discounts to its customers.

Progressive Discounts

Progressive Insurance provides 12 discounts, with most discounts offered in the payment category.

  • Standout discount: Progressive offers three types of accident forgiveness, which prevents your insurance rates from increasing after your first at-fault accident.
  • Standout discount: Progressive makes signing up for car insurance easy and affordable by offering their customers an internet discount for enrolling in their policy online.

State Farm Discounts

State Farm gives customers 13 opportunities for discounts, mostly in the driver profile and vehicle equipment categories.

  • Standout discount: State Farm offers a defensive driving discount, which allows drivers who complete a defensive driving course additional savings.
  • Standout discount: Drivers under 21 who complete an approved driver education course are eligible for State Farm’s driver’s education discount.

USAA Discounts

USAA has 12 discounts, primarily in the driver profile category.

  • Standout discount: USAA offers a vehicle storage discount, which allows drivers who insure store their car while it’s in storage to save up to 60% on car insurance.
  • Standout discount: USAA offers a driver’s education discount, which gives drivers a discount for completing an approved driver safety course

How to Get Car Insurance Discounts

To get car insurance discounts, follow these 5 simple steps:

1

Research and compare insurance providers

Look for the best car insurance companies that offer a wide range of discounts and competitive rates.

2

Evaluate your eligibility

Review the eligibility requirements for each discount category and determine which ones you may qualify for. Contact insurance agents or customer service representatives to inquire about available discounts and how they can be applied to your policy.

3

Speak with insurance agents

Contact insurance agents or customer service representatives to inquire about available discounts and how they can be applied to your policy.

4

Apply for discounts

Once you've selected an insurance provider, inform them of the discounts you are eligible for and complete the necessary steps to apply those discounts to your policy.

5

Provide necessary documentation

If you qualify for specific driver profile or vehicle discounts, be prepared to provide supporting documentation, such as academic records for good student discounts or proof of anti-theft devices for anti-theft system discounts.

Remember, each insurance provider may have different discount offerings, eligibility requirements and discount amounts. It's important to do your research, ask questions and consider your specific circumstances to find the most suitable car insurance policy with the best available discounts for you.

About Mandy Sleight, Licensed Insurance Agent


Mandy Sleight, Licensed Insurance Agent headshot

Mandy Sleight is a licensed insurance agent and has worked in the industry since 2005. She has her property, casualty, life and health licenses. Mandy has worked for well-known insurance companies like State Farm and Nationwide Insurance, and most recently as the Operations Coordinator for a startup employee benefits company.

Mandy earned her Bachelor of Science degree in Business Administration and Management from the University of Baltimore and her Master of Business Administration from Southern New Hampshire University. She uses her vast knowledge of the insurance industry and personal finance combined with her writing background to create easy-to-understand and engaging content to help readers make smarter choices with their budgets and finances.


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