Best Auto Insurance Discounts for You

The best way to get discount auto insurance is to take advantage of all savings offered to you. Auto insurance discounts are usually based on the driver, policy, and vehicle. Standard car insurance discounts include good driver, multi-policy, occupational, anti-theft, and good student discounts. Bundle all of your eligible discounts to get the most savings.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 6, 2022

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What You Should Know

  • Auto insurance discounts allow drivers to significantly lower rates
  • Savingss are usually based on you as a driver, your policy, and your vehicle
  • Some discounts only apply to a specific coverage, not your entire policy

Insurance is expensive, and the best auto insurance companies offer drivers ways to save. The best way to get discount auto insurance is to take advantage of every savings provided to you.

One of the best ways to lower your auto insurance is to add discounts to your policy. These savings are usually based on you, your policy, and your vehicle. While some amounts may be small, bundling them can lead to significant savings.

However, not all discounts apply to your whole policy and are not the same from company to company.

Keep reading to learn more about saving on auto insurance. If you’re looking for discount auto insurance, enter your ZIP code now to compare free quotes from auto insurance companies in your area.

What are common auto insurance discounts?

Auto insurance discounts are rewards offered by your insurance company for certain factors. These savings are very specific and aren’t the same across the board.

For example, a good student discount ranges from 3% with USAA to 25% with State Farm. Since discounts vary so much, it’s crucial to consider them as well as rates when looking for cheap auto insurance.

Check out this table to see a list of car insurance discounts from top companies. If the savings amount is known, it is listed.

Auto Insurance Discounts by Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Most drivers qualify for multiple rate reductions, and bundling them together will offer the most savings.

Discounts are usually broken down into three categories based on you, your policy, and your car. We’ll give you examples of each so you can consider which ones you may be eligible for.

What are auto insurance discounts based on your personal factors?

Your personal factors can qualify you for significant deals on auto insurance. Everything from your driving habits to your occupation can help you save.

Some common savings based on you as a driver include:

  • Good driver discount. This is offered if you go a certain number of years without an accident. Requirements will vary by company.
  • Good student discount. A car insurance student discount may be available if your young driver maintains a B average in school.
  • Occupation discount. You may be able to save money based on your career. Typical discounts include a military or veterans discount and a healthcare workers discount.
  • Defensive driver discount. Taking a defensive driving course can not only get you insurance rate discounts, but it can also take points off of your license in some states.

Simply keeping your driving record clean and taking advantage of discounts based on your job can offer big savings on car insurance.

Which auto insurance discounts are based on your policy?

The type of policy you have and how you pay can also save you money. For example, auto insurance companies reward drivers who have multiple policies, pay on time, and pay in advance.

Common policy-based auto insurance savings include:

  • Multi-policy discount. Insurance companies want you to keep all your insurance needs with them, so they offer you an incentive to use only one company for your auto, home, and other property.
  • Multi-car discount. The same principle applies to the multi-car discount. However, auto insurance companies realize that you may not own a home or boat, so they offer an incentive if you have more than one car.
  • Paid in full discount. Paying your bill upfront saves you time, and the insurance company doesn’t have to send you multiple bills.
  • Paperless discount. Everyone’s going green, and insurance companies reward you if you get all of your insurance information online instead of in the mail.

You can also get auto insurance renewal discounts and usage-based discounts for telematics programs or low mileage.

What are auto insurance discounts based on your vehicle?

It might surprise you to learn that your car can save you money on your insurance. According to MyCarDoesWhat.org, new vehicles have safety features such as collision warning systems, cameras, and even lane departure warnings.

These features that may already be on your car make you eligible for some vehicle safety discounts.

Savings based on the features of your vehicle include:

  • Anti-theft discounts. Devices that protect your car from being stolen keep auto insurance companies from paying to replace your vehicle and allow them to offer you a reward.
  • Anti-lock brakes discounts. Anti-lock brakes help you avoid accidents such as rear-ending the car in front of you in traffic.
  • Electronic stability control discounts. Electronic stability control comes on larges vehicles like SUVs and minimizes rollover accidents.
  • New vehicle discounts. Because newer vehicles come with more safety features that help you avoid accidents, some insurance companies will offer an additional rate reduction for cars that are only around three years old.

Increased safety features help you avoid accidents, keeping your auto insurance rates lower.

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What are some tips for discount auto insurance?

While auto insurance discounts can lower your rates, there are some things to be aware of.

First, your state determines many auto insurance savings and their amounts. Although your state requires some discounts, the discount itself and the amount you save may vary. You also may not get a specific reduction just because it’s listed on a car insurance company website.

Next, some discounts only apply to certain coverages, not your entire policy. For example, an anti-theft discount might save you 25% but not on your whole policy. It only applies to your comprehensive coverage since that is the coverage that pays if your car is stolen.

Finally, many discounts are up to a certain amount. For example, some auto insurance companies offer savings if you use their telematics system to monitor how you drive. However, while the reduction may be up to 30%, you may only qualify for 15% off.

Discount Auto Insurance: The Bottom Line

Auto insurance discounts can offer big savings and are available for multiple reasons and are usually based on the driver, policy, and vehicle.

While discounts are important, remember that not all apply to your entire policy or are available in every state. However, bundling the discounts you are eligible for will give you the most significant savings.

The best way to save is to compare discounts as well as rates when you shop for auto insurance.

Now that you know how to get discounts on car insurance, you’re ready to save. Enter your ZIP code now to compare free quotes from companies near you that offer discount auto insurance.

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Compare over 200 auto insurance companies at once!

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