Best Car Insurance Companies for Discounts (2026)
USAA, American Family, and AAA have some of the best discount availability, based on more than 85,000 Insurify customer reviews.
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4.7 / 517K reviews
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Writer: Sarah ArchambaultInsurance Writer, Editor
Writer: Sarah ArchambaultInsurance Writer, Editor
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Quick Facts
USAA is the top-rated insurer for discount availability, with a rating of 4.9 out of 5.
The overall average rating for discounts among the top five companies is 4.5 out of 5.
American Family ranks second behind USAA for discount availability, scoring 4.5 out of 5.
The best car insurance companies for discounts
The best car insurance company for discount availability is USAA. It has a rating of 4.9 out of 5, based on 4,309 reviews.
Insurance Company | Discount Availability Rating | # of Reviews | Best For |
|---|---|---|---|
| USAA | 4.9 | 4,309 | Discount availability |
| American Family | 4.5 | 665 | Local agents |
| AAA | 4.3 | 2,369 | Policy satisfaction |
| Travelers | 4.3 | 1,828 | Coverage options |
| Safeco | 4.0 | 1,081 | Claims handling |
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4.7 out of 5 based on 17,270 reviews
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USAA: Top-rated overall for discounts
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
4.9
Best choiceBased on 4,309 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,695 USAA reviews
Verified Review
Reviewed in Florida on September 19, 2026
Great service! I’m checking pricing, but other insurance companies are unknown when it comes to their service record.
Verified Review
Reviewed in Kentucky on September 16, 2026
No real problems. However, there is a communication issue between USAA and Kentucky regarding insurance, which resulted in having to purchase new plates.
Verified Review
Reviewed in California on September 16, 2026
My rates went up by $1,000.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA scored 4.9 out of 5, earning the insurer our top spot for discounts. USAA also ranks highest among Insurify shoppers for coverage options, experience, claims handling, policy transparency, policy flexibility, and value for money.
Still, some customers feel that USAA’s savings opportunities are too limited or not meaningful enough to offset its frequent rate increases.
Pros
Potential to save with discounts
Dependable service
High-quality coverage
Cons
Frequent rate increases
Hit-or-miss claims handling
Available only to military members, veterans, and their families
USAA discount reviews: Rated 4.9 out of 5
Check out customer reviews of positive, negative, and mixed experiences with USAA discount offers. These reviews include honest feedback from real customers about discounts, pricing, customer service, and other factors.
Verified Review
Reviewed in New Jersey on May 29, 2026
Use the driver safety feature on your vehicle to get a discount per your trip.
Verified Review
Reviewed in Texas on May 7, 2026
They are great. Bundling everything keeps costs low, and the satisfaction of having everything with good customer service is top tier. Sometimes they aren't the cheapest, but it's worth it most times.
Verified Review
Reviewed in Florida on March 26, 2026
Service is unsurpassed. It may cost a little more, but service and response with yearly discounts make up for it. All personnel are responsive and professional.
Verified Review
Reviewed in Utah on February 27, 2026
Excellent, you need someone in the family to be military or a veteran. I just got a check from the subscriber account USAA uses as a safety valve. This check basically paid for 6 months of coverage.
Verified Review
Reviewed in California on January 16, 2026
Lower rates for seniors as other insurance companies advertise.
Verified Review
Reviewed in Georgia on January 6, 2026
They provided excellent customer service in our experience. They are always available to answer questions and easy to work with on claims. You usually get dividends back at the end of the year, which is nice.
Verified Review
Reviewed in California on October 15, 2025
Helpful
Verified Review
Reviewed in Minnesota on June 17, 2025
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
Verified Review
Reviewed in Florida on August 2, 2026
I’ve been with them for months and have been participating in their Drive Safe program, where they monitor your driving through your phone, and I haven’t had any dings. I also received a notice last month that, due to their monitoring, I’m eligible for a 30% discount; however, I haven’t seen it, and they actually raised my monthly bill by a few dollars. I think the entire insurance industry needs reform—they’re just plain greedy.
Verified Review
Reviewed in Alabama on July 21, 2026
I had problems with SafeDriving. I drove 3 miles to work and 3 miles back home without using my phone, but SafeDriving said I used my phone 28 times. And when I removed the app from my phone, it was still tracking me even though the SafeDriving app had been removed.
Verified Review
Reviewed in Colorado on July 19, 2026
They keep raising the premium and have too much control over my driving—harsh braking alerts and no phone use, even though I have Bluetooth.
Verified Review
Reviewed in Oregon on July 10, 2026
I’ve taken the AAA driver’s course and have even taught it. I’ve had my mileage tracked on each trip and scored 100%, yet my rates have about doubled in the past two years. I’m tired of looking for good companies with fair rates, but you’re charging too much.
Verified Review
Reviewed in Colorado on May 11, 2026
For the most part, the insurance has been fine. It is difficult at times if you need to speak with a customer service rep, as the company relies on AI to try and resolve issues. Claims are hit or miss, and it seems that not all representatives provide the same quality of service. Rates have consistently increased regardless of any claims against your own account. There are very few discounts for customers that have been with them for years. Rates are 4-5 times higher than other insurance companies.
Verified Review
Reviewed in Texas on May 11, 2026
Completed a 5-year surcharge. Now I have accident forgiveness. To this day, I am unable to get a fair premium not only from my insurance company but any other carrier because they want to penalize me for the surcharge that I just completed.
Verified Review
Reviewed in Virginia on May 7, 2026
The rates are just too high for my budget, even with discounts. I have an excellent driving record and thought the rate would be better.
Verified Review
Reviewed in Georgia on April 27, 2026
Rates increased, and there were no significant discounts after the initial activation of the auto policy.
Verified Review
Reviewed in Washington on April 23, 2026
I expected to have fair treatment. All they do is raise prices. I strip down coverage, but it isn't too long before it is right back up. I have a spotless record that gives me nothing!
Verified Review
Reviewed in Florida on April 18, 2026
Way too expensive. They say bundle to get a discount but there’s really no discount.
Verified Review
Reviewed in Minnesota on March 27, 2026
It used to be a really good company, but they changed a lot of their policies, didn't put them in writing, and it wasn't until later that we found out changes were made. They say that they apply monthly discounts to my rate, but no discounts have actually been applied.
Verified Review
Reviewed in California on March 6, 2026
As a retiree, we don't drive as much. Our driving records are great. We use autopay. We are looking for lower rates at this time.
Verified Review
Reviewed in Louisiana on February 28, 2026
You have to log in to the site to specify if you are a driver or passenger, etc. The more miles on the vehicle, the more you pay monthly. There's a basic rate, and then mileage takes over.
Verified Review
Reviewed in New Jersey on February 17, 2026
Very unhappy. I've been with the company for years. I get no discount, and I don't think they help veterans with their high rates. I am getting lower quotes from everybody else.
Verified Review
Reviewed in Florida on February 16, 2026
Great insurance, except they are twice the price of everyone else. Lots of discounts, but without the discounts, they are four times as much as other insurance companies. Basically, the only thing wrong with them is the price.
Verified Review
Reviewed in Maryland on February 2, 2026
Switched to Progressive from USAA after 25 years. USAA would not work with me on lower car insurance rates (we are retired) after they jumped $80/month. I've been very impressed with Progressive, setting up auto for 2 cars, plus I moved our homeowners policy as well. I was disappointed that USAA wouldn't try harder to keep me as a customer, but switching to Progressive is proving to be a great move. Full policy matching what we had with USAA, saving $100/month!
Verified Review
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
Verified Review
Reviewed in Idaho on January 27, 2026
I'd shop for a different policy and probably change policies often enough for discounts. We've paid a huge amount staying with the same company for 20 years.
Verified Review
Reviewed in West Virginia on January 8, 2026
Best value, beats most current quotes, especially with children. Could do more for clean driving record and good student discounts.
Verified Review
Reviewed in Michigan on January 7, 2026
It's okay. Just way too expensive monthly and they never offered any discounts.
Verified Review
Reviewed in Vermont on January 4, 2026
Keep looking - they will not issue an annual policy. The rates go up a lot every 6 months, and there's no discount if you pay in full.
Verified Review
Reviewed in Colorado on January 4, 2026
USAA consistently delivers exceptional service; I have been a loyal customer for nearly two decades. However, I've observed a continuous increase in rates, which suggests a lack of loyalty to long-standing customers. I believe USAA should consider implementing loyalty discounts for their tenured clientele, rather than consistently raising their rates.
Verified Review
Reviewed in New Jersey on January 1, 2026
Could be cheaper for service people and their families. More live agents helping service persons and their families would be beneficial.
Verified Review
Reviewed in Texas on December 28, 2025
Too expensive. Get insurance elsewhere. Not enough discounts for an excellent driving record.
Verified Review
Reviewed in Missouri on December 23, 2025
They are supposed to give a military discount, but like the rest, they say they do and don't, and they raise the rate all the time.
Verified Review
Reviewed in Texas on November 19, 2025
It's too expensive, period, and for being with a company since 1992, you would think that they would be willing to give me a discount for all the years that I have been with the business!
Verified Review
Reviewed in South Carolina on November 1, 2025
I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!
Verified Review
Reviewed in Florida on October 26, 2025
They offer big discounts but then raise your rate by the amount of the discount, so they don't really give a discount.
Verified Review
Reviewed in Georgia on October 22, 2025
I do not care for their big brother approach. They monitor your hands-free phone calls and deduct points for talking, which affects your premium. They also took my average miles driven per year and divided it by 12. If I go over my monthly allowance, I pay more for my next premium. Ridiculous!
Verified Review
Reviewed in Oklahoma on October 11, 2025
I have been with USAA for decades. Except for higher monthly premiums, this company is wonderful. I wish for better discounts for senior citizens. I am 80 now, and my budget is tight. I still would recommend USAA to anyone.
Verified Review
Reviewed in Delaware on September 30, 2025
Safe driving discount.
Verified Review
Reviewed in Oklahoma on September 21, 2025
Discounts only apply if you drive a certain number of miles each month that they require. I'm a disabled, service-connected veteran, senior citizen and don't do any unnecessary driving. USAA took away my discounts and increased my premium. I'm 65, have no accidents ever, am a non-drinker, and non-drug user. My car is 10 years old now, so I dropped full coverage. My monthly payment went from $176.00 to $76.00. After losing my discount, my monthly payment went up to $108.00.
Verified Review
Reviewed in Nevada on September 19, 2025
Look for every discount you can. The cost is very high but lower than others in my market. I only drive 85 miles a week, which costs over $120 a month.
Verified Review
Reviewed in Connecticut on August 2, 2025
I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.
Verified Review
Reviewed in Georgia on July 30, 2025
They offer a savings account, but you end up paying for it with higher premiums.
Verified Review
Reviewed in Florida on July 27, 2025
Thirty-plus year member. Love the distribution at the end of the year; not impressed with the steady increase in premiums, especially since I’ve had only two claims since I joined, neither very costly to USAA. I’m looking for less cost and much better customer appreciation.
…
American Family: Best for local agents
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $160/mo |
4.5
Best choiceBased on 665 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 278 American Family reviews
Verified Review
Reviewed in Iowa on August 13, 2026
They gave me scrap price for my car after a deer collision.
Verified Review
Reviewed in Washington on July 21, 2026
They canceled my policy after 16 years because they said I was deceased, but it was my dad—who had the same name—who passed away.
Verified Review
Reviewed in Kansas on June 24, 2026
Easy to file claims. Claims are handled quickly. Coverage value is better than average.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
American Family has a score of 4.5 out of 5, taking the second spot in our list of best insurers for discount availability. The company also consistently ranks among Insurify shoppers’ top three insurance companies for experience, claims handling, coverage options, policy flexibility, and policy transparency.
With reviewers, American Family stands out most for its strong customer service, thanks to its friendly, well-informed local agents. But its high car insurance costs leave some reviewers questioning the company’s overall value.
Pros
Friendly local agents
Strong coverage options
Transparent pricing
Cons
Discounts may not offset high rates
Surprise rate increases
Hit-or-miss claims handling
AAA: Best for policy satisfaction
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $154/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $234/mo |
4.6
Best choiceBased on 2,369 verified driver reviews and ratings
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviews
Verified Review
Reviewed in Utah on September 17, 2026
I think I pay too much, but if I were to change brokers, I’d want the same coverage.
Verified Review
Reviewed in Connecticut on September 11, 2026
Other than making payments, I haven’t had any claims. The only other issue was when my wife, the second driver, surrendered her license due to illness, and the company wanted to double my premiums.
Verified Review
Reviewed in Michigan on May 3, 2026
Great rates, friendly customer service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
AAA earned a score of 4.3 out of 5, ranking third for discount availability. Overall, customers are satisfied with their AAA insurance policy and report a positive service experience.
Reviewers note that agents are easy to work with and explain coverage well. But some customers are frustrated with increasing rates and feel AAA’s savings opportunities are lacking, especially when it comes to rewarding loyal and low-risk policyholders.
Pros
Well-rated for policy satisfaction
Support feels personal
Straightforward policy language
Cons
Inconsistent service follow-through
Not enough discounts for longtime customers
Rate increases
Travelers: Best for coverage options
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $154/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $234/mo |
4.6
Best choiceBased on 2,369 verified driver reviews and ratings
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviews
Verified Review
Reviewed in Utah on September 17, 2026
I think I pay too much, but if I were to change brokers, I’d want the same coverage.
Verified Review
Reviewed in Connecticut on September 11, 2026
Other than making payments, I haven’t had any claims. The only other issue was when my wife, the second driver, surrendered her license due to illness, and the company wanted to double my premiums.
Verified Review
Reviewed in Michigan on May 3, 2026
Great rates, friendly customer service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Reviewers rate Travelers 4.3 out of 5 for discount availability. But some shoppers say Travelers’ rates are too high and that its available discounts don’t justify the cost.
Still, many customers feel satisfied with Travelers’ coverage options and claims process. Many also praise the company’s good customer service and policy transparency.
Pros
Strong overage options
Solid customer support
Straightforward communication
Cons
Not enough discounts to offset high rates
Surprise rate increases
Higher rates than some companies
Safeco: Best for claims handling
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $230/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $403/mo |
4.5
Best choiceBased on 203 verified driver reviews and ratings
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 106 Amica reviews
Verified Review
Reviewed in Rhode Island on April 30, 2026
Excellent customer service.
Verified Review
Reviewed in Massachusetts on March 23, 2026
Amica is great. Customer service and claims both have great communication. It's just too pricey for my budget right now.
Verified Review
Reviewed in Massachusetts on March 1, 2026
Easy to work with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Safeco scored 4.0 out of 5 for discount availability. Customers describe Safeco’s claims service as smooth and easy.
Many reviewers also mentioned that the Safeco customer service experience is friendly and helpful. But Safeco’s high rates and limited discounts have some customers questioning the insurer’s overall value for the cost.
Pros
Helpful customer service
Smooth claims process
Clear policies
Cons
Discounts feel limited
High rates
Communication is hit or miss
How top insurance companies stack up on discounts
Check out the chart below to see how some of the top insurance companies stack up on discount availability based on thousands of real Insurify reviews.
Insurance Company | Discount Availability Score |
|---|---|
| USAA | 4.9 |
| American Family | 4.5 |
| AAA | 4.3 |
| Travelers | 4.3 |
| Safeco | 4.0 |
How we ranked the best car insurance companies for discounts
Insurify ranks the best car insurance companies for discounts using real customer feedback collected through its platform. Users who compare quotes or purchase a policy through Insurify can complete an optional survey rating their insurer across several categories, including customer service, claims handling, coverage options, discounts, policy transparency, and overall experience.
For this ranking, we prioritized each company’s discount rating, based on thousands of verified user reviews, as the primary ranking factor. We also considered supporting metrics like claims handling and policy transparency, since these directly affect how customers experience service after buying a policy.
Our data team aggregates, curates, and analyzes these ratings and reviews to bring you company-level insights from more than 85,000 Insurify users.
What makes a car insurance company good for discounts?
Discount options vary among insurers. And what makes one car insurance company good for discounts over another often depends on your personal situation.
For example, if you don’t have a teen driver in your household, you won’t need to compare discount options for young drivers or good students. Since discounts can also vary by state, be sure to read the fine print if you move frequently or need insurance coverage in more than one state.
Several common types of insurance discounts can help lower your rate:
Driver behavior discounts: Many insurers offer discounts for good driving habits. Besides offering a low-mileage discount, many auto insurance companies offer savings for being accident-free, taking a defensive driving course, or being a good driver. More insurers are also offering telematics and usage-based insurance discounts.
Driver characteristic discounts: Some insurance companies reward you if you belong to a professional group or own a home. You may also get a discount if you’re a new driver, a good student, or a military member.
Policy-based discounts: Insurers may offer savings based on how you manage your car insurance policy. In addition to a multi-car discount, these can include savings for auto pay, bundling, loyalty, and paying in full.
Vehicle-based discounts: Some insurers offer discounts for driving a new car or one with safety features such as anti-theft devices, passive restraints, or anti-lock brakes. Vehicles that use alternative energy (such as electric vehicles) may also qualify you for savings.
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How top car insurance companies for discounts compare across categories
The table below shows how the top-ranked insurance companies for discount availability compare across other categories, like coverage options, value for money, and policy transparency.
Company | Overall Rating | Customer service | Value for Money | Discount Availability | Coverage Options | Policy Flexibility | Policy Transparency |
|---|---|---|---|---|---|---|---|
| USAA | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 |
| American Family | 4.5 | 4.9 | 4.3 | 4.5 | 4.6 | 4.4 | 4.5 |
| AAA | 4.6 | 4.4 | 4.2 | 4.3 | 4.3 | 4.3 | 4.2 |
| Travelers | 4.6 | 4.6 | 4.3 | 4.3 | 4.6 | 4.5 | 4.6 |
| Safeco | 4.3 | 4.1 | 3.7 | 4.0 | 4.1 | 3.8 | 4.0 |
How to choose the best car insurance company for discounts
Use these tips when researching the best car insurance companies for discounts.
Ask about discounts. Not all discounts are automatically applied. Ask your insurance agent what discounts you’re currently getting on your auto policy, if any others are available in your state, and what you can do to qualify for cheaper car insurance.
Pay attention to “up to” amounts. Insurers may advertise potential savings “up to” a specific percentage. Keep in mind that this doesn’t necessarily mean you’ll receive the highest advertised discount amount.
Identify which discounts vary by state. Advertised discounts may not be available in every state due to different regulations. Check availability in your state.
Understand which discounts may cost you money. Some incentives, like telematics programs, could end up increasing your rates, especially if you fail to demonstrate safe driving habits.
Best car insurance for discounts FAQs
See below for answers to frequently asked questions about auto insurance discounts.
Which insurance company has the best discounts?
Real Insurify customers rank USAA as best for discount availability, while American Family, AAA, Travelers, and Safeco also receive high marks. But the best car insurance company for you may be different, depending on your personal situation.
What company has the cheapest auto insurance?
Country Financial has the cheapest car insurance rates of any major insurer, with average car insurance premiums around $44 per month for liability-only coverage. Auto-Owners and NJM also have some of the nation’s cheapest average rates.
How can you get the cheapest deal on car insurance?
You can find the cheapest rates by comparing car insurance quotes from at least three insurers, asking about available discounts, maintaining a clean driving record, and bundling policies.
Do teachers get car insurance discounts?
Teachers may qualify for special insurance discounts or waivers, such as $0 deductibles for qualifying covered events. Specifics and availability vary by insurer, so ask an agent about your eligibility if you’re a K–12 educator or college or university professor.
How can you get an affiliation discount?
Some insurers offer discounts for alumni or members of professional groups or organizations. These discounts may be unpublished, so ask an agent if you’re eligible for lower rates.
Writer: Sarah ArchambaultInsurance Writer, Editor
Writer: Sarah ArchambaultInsurance Writer, Editor
Qualifications:
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.