120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Like many products and services, the price of car insurance has gone up substantially over the last several years, with the average American driver currently paying around $1,631 each year for coverage, according to Insurify data. Fortunately, most insurers offer a variety of car insurance discounts to help lower your bill, especially when you stack several of them.
Some discounts are available to everyone, like savings for going paperless or setting up auto pay. Others require you to meet certain qualifications, such as maintaining a clean driving record or insuring multiple cars with the same company. Potential savings can also vary widely, ranging anywhere from 5% or less to 30% or more.
When you compare car insurance rates, it’s important to know what discounts each insurer offers and which you may qualify for. With that in mind, let’s break down the full list of car insurance discounts and how to get them.
Safe driving and good student discounts are among the most common discounts insurance companies offer.
You could save around 23% with an anti-theft discount, up to 25% for insuring multiple cars on the same policy, and up to 30% for enrolling in a telematics program.
Always ask your agent or insurer which discounts are available, as many insurance companies don’t advertise all their discounts online.
Certain discounts can help you save more on your car insurance premium than others. Some of the top discounts offer savings of 20%–30%, and combining multiple discounts can help you save even more.
Here’s an overview of some potential savings from some of the most common discounts:
Discount  | Savings |
|---|---|
| Passive restraint | 30% |
| Telematics | 10%–30% |
| Multi-car | 7%–25% |
| Bundling | 7%–25% |
| Military | 15%–25% |
| Anti-theft | 23% |
| Good driver | 22% |
Keep in mind that specific discount amounts often vary by state and insurer. And some (like the good student discount) require additional verification to apply them to your policy.
Prefer to listen to this car insurance discounts guide instead? Check out this episode of Insurify‘s No Dumb Questions podcast, where we breakdown car insurance discount tips and tricks with the team.
Car insurance discounts can range from as little as 3% for having daytime running lights on your vehicle to as much as 60% or more for storing your vehicle on a military base.[1] [2] The number of discounts and the savings potential vary between insurance companies.
Insurify reviewed discounts from the 10 largest insurance companies by market share to determine which offers the most, what savings are available, and how drivers can qualify.
Discount | Savings | How to Qualify |
|---|---|---|
| Passive restraint | 30% | Own a vehicle with specific factory-installed safety devices, like airbags |
| Telematics | 10%–30% | Meet or exceed the safe driving habits required by a telematics program |
| Multi-car | 7%–25% | Insure multiple cars under one policy |
| Bundling | 7%–25% | Have multiple insurance products from one company, like home and auto |
| Military | 15%–25% | Be an active-duty military member or veteran, or face emergency deployment |
| Anti-theft | 23% | Own a vehicle with security systems or features, either factory-installed or aftermarket installed |
| Good driver | 22% | Maintain a clean driving record with no incidents, such as an at-fault accident, speeding ticket, or moving violation, for a set period of time |
| New car | 10%–15% | Have a vehicle that’s less than 3 years old |
| Good student | 10%–15% | Maintain a B average or higher as a high school or college student |
| Auto-pay | 3%–15% | Set up automatic bill payments |
| Anti-lock brakes | 5% | Own a vehicle with anti-lock brake features |
| Defensive driving course | 5% | Complete an acceptable driver’s education course and meet other insurer requirements |
| Low-mileage discount | Not listed | Maintain a limited mileage during your policy term |
| Student away-from-home | Not listed | Live on a college campus at least 100 miles from home without access to a vehicle |
| Homeowners | Not listed | Own a home |
| Alumni/professional organization | Not listed | Be a member of specific professional organizations or alumni clubs |
| Loyalty | Not listed | Remain with the same company uninterrupted for a set period of time |
| Paid-in-full | Not listed | Pay your full premium at the start of the term |
| Early bird | Not listed | Get car insurance quotes prior to your term ending |
| Paperless | Not listed | Opt to receive all communication digitally |
Rates start at $45 per month for liability policies
Most drivers are aware that a good driving record can help keep premiums low. Most auto insurance companies offer a discount for good driving habits, as shown in the table below.
Discount | Savings |
|---|---|
| Safe driver | Up to 22% |
| Telematics | 10%–30% |
| Defensive driving course | 5% |
| Low-mileage discount | Varies |
Safe driving discounts are common, though they’re structured in different ways, including general discounts and more specific programs. For instance, State Farm’s Steer Clear program is designed for young drivers who remain accident- and ticket-free for three years, while GEICO offers all family members in a household a discount if they remain accident-free for five years.
Telematics discounts are becoming more common in the industry, especially with top auto insurers. These discounts are applied when a smartphone app, such as the Drive Safe & Save app from State Farm, monitors your driving habits to ensure you’re meeting the minimum safe driving standards that the program requires. It’s important to note, though, that some telematics programs could lead to higher rates if the insurer’s app detects poor driving habits.
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Although a good driver discount is common, defensive driving course discounts are less common ways to increase savings for safe driving. Insurance companies like State Farm offer small discounts for drivers who complete an eligible safe driving program. Some insurers only offer this discount to older drivers.
A low-mileage discount is a way that you can save money by keeping your mileage below a set amount each policy term. Hugo is one example of an auto insurer that offers a pay-as-you-go option for coverage specifically designed for low-mileage drivers.
Personal information, like your age and address, will influence your rates. Discount categories are often based on driver characteristics, too.
Some discounts reward you for affiliations with professional organizations, while others are designed to help young drivers lower their premiums. For instance, common discounts for students typically have specific GPAs and maximum age requirements.[3] [4]
Discount | Savings |
|---|---|
| Good student | 10%–15% |
| Student away-from-home | Varies |
| Homeowners | Varies |
| Military | 15%–25% |
| Alumni/professional organization | Varies |
A good student discount is a common discount across most auto insurance companies, including State Farm, Nationwide, Progressive, and more. Insurers reward full-time students in high school or college with policy discounts for maintaining good grades, which are usually defined as a B average.
Though not as common, parents of college students could also take advantage of away-from-home discounts, which may lower monthly payments if the student lives primarily at their college campus away from home and doesn’t have regular access to a private passenger vehicle. Generally, the school will need to be at least 100 miles from the student’s home address in order to qualify for this discount.
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A homeowner discount rewards a policyholder’s homeowner status without necessarily requiring the driver to also insure their home with the same insurer.
Military discounts, which typically offer reduced premiums for active-duty military members, are hit or miss at many insurance companies. Current and former military members and their spouses should consider USAA, which offers coverage exclusively to the military community. Children of USAA members are eligible for USAA membership as well.
GEICO is one car insurance company that offers a largely unpublished discount for eligible alumni, federal employees, and members of professional organizations.
Most insurers offer discounts based on your policy and how you choose to maintain your coverage. For example, one of the most common discounts among insurers is for setting up automatic payments. You can also save for staying with your insurance company for several years or for purchasing your new policy before the old one expires.
Most drivers can qualify for several of these types of discounts, but savings amounts often vary widely among insurers.
The table below highlights potential savings for each policy-related discount, and we have more information on each below.
Discount | Savings |
|---|---|
| Automatic payments | 3%–15% |
| Bundling | 7%–25% |
| Loyalty | Varies |
| Paid-in-full | Varies |
| Multi-car | 7%–25% |
| Early bird | Varies |
| Paperless | Varies |
Along with going paperless, the auto-pay discount is one of the easiest car insurance discounts to qualify for. It’s also one of the most common discounts among top insurers, with potential savings of 3%–15%, depending on the company.
To qualify, simply set up automatic payments for each bill cycle, whether you pay for your policy monthly, annually, or somewhere in between. It’s really that easy.
A bundling discount is one of the most common car insurance discounts. It may be referred to as a “multi-line” or “multi-product” discount, but these all refer to taking out multiple insurance products from the same company, such as a home insurance policy and an auto insurance policy. Most insurance companies that sell multiple products offer a bundling discount.
Loyalty discounts are just that: discounts awarded to longtime policyholders when they remain with an insurance company for a set number of years. This discount incentivizes you to continue renewing your policy.
Unfortunately, some car insurance companies may engage in a practice called price optimization, which offers you a discount but raises your rates in a way that nullifies it, such as a 20% rate increase with only a 10% discount. That’s why it’s important to compare quotes to see which insurer can offer the lowest premium possible and to ensure you’re getting every discount you qualify for.
Paid-in-full discounts usually require you to pay for your entire policy term up front in one lump sum to receive the discount.
You can earn a multi-car discount when you have more than one vehicle on the same policy. Some insurers may categorize this under a “multi-product” or “multi-line” bundle, while others have a separate discount specifically for multiple vehicles on one policy.
An early bird discount involves getting a free quote and purchasing a policy from a new insurer before your active policy with a competitor ends. The designated time frame for the discount is generally within five days of policy expiration.
You typically earn a paperless discount when you opt out of correspondence by U.S. mail and instead receive all communications about your auto policy digitally.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Many national and regional auto insurance companies offer vehicle-based discounts. They typically affect car insurance rates only for newer cars rather than older vehicles. Some examples of vehicle-based discounts include having a vehicle with a factory-installed airbag, anti-theft features, or other modern safety features.
Keep in mind that these discounts may only apply to specific insurance coverage types, such as a discount of 10% off your comprehensive coverage cost, rather than a final discount for the full auto insurance policy.
Discount | Savings |
|---|---|
| New car | 10%–15% |
| Anti-theft | Up to 23% |
| Alternative energy | Varies |
| Passive restraint | 30%-40% |
| Anti-lock brakes | 5% |
A handful of auto insurers offer a discount for policyholders who have new cars. A “new” car may be defined as a vehicle that’s from the current model year or less than 3 years old.
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An anti-theft auto insurance discount may be available for vehicles with factory-installed or aftermarket security systems installed.
An alternative energy discount is typically available for owned or leased vehicles that run on alternative fuel sources in addition to standard gasoline. Examples include hybrid, electric, propane, and natural gas vehicles.
Few car insurance companies offer passive restraint discounts, which are savings incentives if a vehicle built after a specific year has factory-installed airbags or another passive restraint system.
An uncommonly advertised discount, drivers with factory-installed anti-lock brakes on their vehicles may receive a discount depending on the model year.
Farmers and GEICO are the leaders when it comes to the number of discounts available, each with a total of 23. Farmers offers many of the common discounts its competitors provide, such as good student and multi-policy discounts. But it also offers unique discounts not commonly advertised, like one for daytime running lights.
GEICO’s more uncommon discount offerings include anti-lock brake and airbag discounts. Following GEICO is Progressive, with 14 advertised discounts.
Here is Insurify’s top 10 ranking of the auto insurers with the most discounts, and their average monthly rates for full-coverage and liability-only car insurance.
Insurance Company | Number of Discounts | Discount With Highest Savings | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|---|---|
| Farmers | 23 | Not listed | $210 | $109 |
| GEICO | 23 | Deployed driver and multi-vehicle, up to 25% | $142 | $86 |
| Progressive | 14 | Not listed | $157 | $91 |
| Liberty Mutual | 13 | Telematics, up to 30% | $208 | $150 |
| State Farm | 12 | Passive restraint, up to 40% | $107 | $55 |
| Travelers | 12 | Not listed | $187 | $99 |
| USAA | 12 | Telematics, up to 30% | $100 | $52 |
| American Family | 11 | Multi-policy, up to 40% | $153 | $82 |
| Nationwide | 10 | Not listed | $183 | $96 |
| Allstate | 7 | Not listed | $144 | $75 |
Keep in mind that having the most discounts doesn’t necessarily mean a company will have the lowest rates. For example, if one insurer’s initial rates are 50% higher, a 30% discount still means it’s more expensive.
After all, several factors affect rates, including your driving record, the car you drive, your location, and much more. Regardless of the number of discounts, the best way to ensure you get the best deal is to compare quotes from as many companies as you can.
Insurify partners with 120+ top insurers for accurate quotes
Car discounts can lead to lower rates, but amounts and availability can vary by location. Keep these tips in mind when researching any discount opportunities, even from top insurers:
Some discounts are automatically applied to your policy, but many aren’t. Ask your agent about which discounts you’re currently getting, what else is available in your state, and what you need to qualify.
Many insurers advertise savings “up to” a specific percentage, but that doesn’t mean you’ll receive the highest advertised amount for your discount.
Not all discounts are available in every state, due to varying state regulations.
Some incentives, like telematics programs, can increase your rate based on your driving habits, even if they include an initial discount.
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Insurers base discount eligibility requirements on different factors and may not offer the same types of discounts in every state. Check out the additional information below to help you identify where you can save the most money.
The car insurance discount that saves you the most will vary depending on your unique situation. But in general, top discounts that can help you save include passive restraint, telematics, multi-car, bundling, anti-theft, and safe driver discounts.
With 23 different discounts, Farmers and GEICO offer more than national and regional competitors, including larger insurers like State Farm. They offer standard car insurance discounts, such as those for anti-lock brakes, anti-theft devices, going paperless, and being a safe driver.
Yes, you can ask for a discount on your car insurance. The Insurance Information Institute encourages drivers to ask about discounts when shopping for a new policy and throughout their policy term.[5]
Many insurance companies don’t display all their available discounts on their websites, and some add new ones throughout the year. Asking your agent or insurer about discounts is one way to ensure you’re getting all the savings you qualify for.
Yes. It’s possible to stack multiple discounts if you’re eligible. Ask your insurance agent which discounts you qualify for so you can maximize your savings.
Teen drivers can lower the cost of coverage by qualifying for discounts designed for young drivers. Good student discounts typically reward students with a B average or higher. Insurance companies like Progressive offer discounts for drivers younger than 18 on a policy and college students younger than 23 who live more than 100 miles from home and don’t have a vehicle while at school.
It depends. Insurers automatically apply many discounts to your policy, such as auto-pay or good driver discounts. But others, such as the good student discount and affiliation discounts, typically require additional documentation to qualify. To ensure you’re taking advantage of as many discounts as possible, talk to your agent or customer service representative.
It depends on the program. Many telematics programs can only lower your bill or leave it unchanged. But some, such as GEICO DriveEasy, Progressive Snapshot, and Travelers IntelliDrive, may increase your rates if you engage in risky driving behaviors like speeding, hard braking, or phone use.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Featured in
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.