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 / 515K reviews
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Written bySarah Archambault
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Sarah ArchambaultInsurance Writer, Editor
Experienced personal finance writer
Background working with banks and insurance companies
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byJohn Leach
)
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
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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 4.6 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 3,643 reviews.
Insurance Company  | Discount Availability Rating | # of Reviews | Best For |
|---|---|---|---|
| USAA | 4.9 | 3,643 | Discount availability |
| American Family | 4.6 | 623 | Local agents |
| AAA | 4.4 | 2,350 | Policy satisfaction |
| Travelers | 4.3 | 1,497 | Coverage options |
| Safeco | 4.0 | 1,058 | Claims handling |
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4.7 out of 5 based on 14,501 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. | $103/mo |
4.9
Best choiceBased on 3,643 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 1,577 USAA reviews
Verified Review
Reviewed in Alaska on May 21, 2026
Overpriced, frequently increasing rates with an emphasis on finding exemptions from paying for losses.
Verified Review
Reviewed in Washington on May 20, 2026
It was very easy to set up. The very best coverage for the price.
Verified Review
Reviewed in Texas on May 19, 2026
USAA is too costly, changes policy without consent, and is a nightmare to deal with on claims. Our last claim, they offered us a final offer of exactly half what our vehicle was worth. We had to hire an independent appraiser, they wouldn’t honor his appraisal, then we had to pay for a mediator to get even near what the vehicle was worth. Our own insurance company fought us at every turn for what our vehicle was obviously worth. The policy has gone up more than 4 times our initial quote. I don’t know why we stuck with them for so long. Quotes from other companies put our 6-month price less than 1 month of USAA’s prices. We are dumping them as soon as possible. It isn’t the same USAA it was 20 years ago. We have good credit and clean driving records. The last thing we want after being in an accident is to have to fight with our own provider that we were paying top dollar for. Our payout finally came after 1 year of dealing with them, hiring our own appraisal, and paying for mediation. My only advice is if you use USAA and get into an accident, immediately hire an attorney to deal with it all for you; otherwise, stay away from this company at all costs. They are not worth the high premiums they charge.
…
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 Pennsylvania on May 19, 2026
I recently switched to this insurance company and wanted to share my experience. The customer service was very helpful in explaining the different coverage options available. They took the time to ensure I understood what each policy covered and how it would benefit me. However, I found their rates to be slightly higher than my previous insurer. Overall, the service was good, but I'm still weighing the cost versus the benefits.
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 California on May 5, 2026
Move out of or stay out of California; it's an insurance rip-off and joke. It doesn't matter if you have a pristine driving record (like me, 30+ years as a licensed driver, zero tickets, zero accidents, zero claims - still screwed!). As long as there are people encouraged to break the law, you're going to foot the bill. First and foremost, be a responsible driver, drive defensively, pay attention, and keep your head on a swivel. Understand that no one else out there cares about you, your life, your vehicle, or your money, so you have to do right by yourself and your family alone.
My next best advice to help ensure you can have your own back, because not everyone can even qualify for USAA (but if you do qualify for USAA, bar none, there is no better insurer out there, period!), is to figure out how to self-insure. Pay the premiums to yourself, invest in a no-touch type of account to accumulate your premiums and get an actual return on that investment. Then, if the worst-case scenario happens and you need to handle business, guess what - you can pay for it yourself. Your claim won't be denied, and your rates won't go up if, God forbid, you get in an accident, nor will you be denied coverage. These days, you're going to foot the bill, one way or another, most likely for you and the other party involved, so you might as well be your own insurer and quit paying premiums to another company who will forget that you've been footing the bill for all these years with no claims the moment you actually need them.
Verified Review
Reviewed in Virginia on May 5, 2026
It was a great experience talking with one representative and getting a clear picture about my house and car insurance.
Verified Review
Reviewed in Texas on May 2, 2026
I went with John, who helped me with everything. Outstanding job, well done!
Verified Review
Reviewed in South Carolina on May 2, 2026
They are great! I don't have a bad thing to say about them. I just wish that the price of insurance, whether with them or someone else, would be cheaper.
Verified Review
Reviewed in Oklahoma on April 29, 2026
Good coverage, excellent customer service.
Verified Review
Reviewed in Michigan on April 22, 2026
Prices keep increasing.
Verified Review
Reviewed in New York on April 20, 2026
USAA is the best overall insurance company!
Verified Review
Reviewed in Michigan on April 12, 2026
I have had USAA Insurance for years and have never had a problem with it. When I have had to make a claim, it is handled expeditiously and the company has always worked with me. I love having them as my insurance company.
Verified Review
Reviewed in Michigan on April 11, 2026
Awesome company to work with.
Verified Review
Reviewed in Michigan on April 8, 2026
Excellent except for the rising cost.
Verified Review
Reviewed in Texas on April 4, 2026
Service is adequate.
Verified Review
Reviewed in Idaho on March 29, 2026
Actually, I've had USAA for quite some time. I was looking to see if I could find cheaper and better offers, but in my case, USAA couldn't be beat. Every time I have needed to use them, they have been prompt and helpful.
Verified Review
Reviewed in New Jersey on March 29, 2026
USAA is the best insurance company in America in my opinion.
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 Alabama on March 20, 2026
Great! And the rate is better than any other has offered.
Verified Review
Reviewed in North Carolina on March 18, 2026
If you qualify, get USAA.
Verified Review
Reviewed in South Dakota on March 18, 2026
I have had no coverage issues.
Verified Review
Reviewed in Oregon on March 16, 2026
Two accidents in the last 18 months - USAA has been very supportive, timely, and understanding. Staying with them.
Verified Review
Reviewed in New Hampshire on March 13, 2026
I would rate my experience with USAA very high. If I had a question that the person I was talking to could not answer, I would be transferred to someone who could answer my question.
Verified Review
Reviewed in Texas on March 8, 2026
They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!
Verified Review
Reviewed in Florida on March 1, 2026
I have been with USAA for many years. I am very happy with them and recommend them highly.
Verified Review
Reviewed in South Carolina on February 28, 2026
I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.
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 Colorado on February 26, 2026
I have not had any issues, and the price was always far below other insurers.
Verified Review
Reviewed in Florida on February 25, 2026
Looking for a car insurance company that gives you top-of-the-line support and coverage? Try USAA. They have done wonders for me over the last 61 years.
Verified Review
Reviewed in Massachusetts on February 23, 2026
Excellent, has been for 60 years.
Verified Review
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Verified Review
Reviewed in Arizona on February 17, 2026
I would like to have full coverage at a cheaper rate.
Verified Review
Reviewed in Nebraska on February 14, 2026
USAA gave me a favorable price over the competition, and I’ve been with them for 1 1/2 years now.
Verified Review
Reviewed in Georgia on February 4, 2026
Good, cheaper than other quotes.
Verified Review
Reviewed in Texas on January 27, 2026
Excellent member since 1972.
Verified Review
Reviewed in Minnesota on January 27, 2026
Great, they seem to have the lowest rates and free roadside assistance.
Verified Review
Reviewed in Colorado on January 26, 2026
I have been with them for 54 years and no one has beaten the rate for the coverage I want.
Verified Review
Reviewed in Texas on January 25, 2026
Never had a problem with USAA. When I asked for quotes, no one quoted prices for PIP, rental service, towing, or car damage by uninsured drivers.
Verified Review
Reviewed in Tennessee on January 19, 2026
I've got a total of forty-six years with USAA. Most of the military are insured with them. I always got great coverage and no problems with all the personnel I've dealt with. I recommend USAA to everyone.
…
Verified Review
Reviewed in Texas on May 11, 2026
Pretty good, but still way too expensive.
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 Texas on May 4, 2026
I really don't have any experience with my car insurance as I haven't needed to file a claim yet. However, I am a property adjuster and never stop hearing and seeing firsthand the way policyholders are handled out in the field. The most professional and fair claims handling, bar none, out of all the carriers in the industry. I've never really seen it any other way, and I have handled over 10,000 claims myself in the past 15 years.
Verified Review
Reviewed in Arizona on April 17, 2026
Too expensive.
Verified Review
Reviewed in Nevada on April 11, 2026
My premium keeps increasing by $40 to $50 every six months. I feel like I am being taken advantage of due to my age.
Verified Review
Reviewed in Oregon on March 30, 2026
My wife and I are in our mid-70s. Having said that, we give USAA a 5-star rating. Zero run-arounds when reporting an accident at all. And their agents that do the investigations are extremely good at their jobs. From top to bottom, they are very professional and it shows. We've been with USAA now for some 13 years. We are not going anywhere.
Verified Review
Reviewed in Arizona on March 29, 2026
Very responsive.
Verified Review
Reviewed in Arizona on March 27, 2026
Very good on customer service.
Verified Review
Reviewed in Georgia on March 26, 2026
The rates kept changing.
Verified Review
Reviewed in Louisiana on March 23, 2026
USAA is a wonderful company. The only thing is that they are expensive. I'm going to have to find something cheaper. Insurance keeps going up.
Verified Review
Reviewed in Nevada on March 17, 2026
Rates are better than some.
Verified Review
Reviewed in Florida on March 16, 2026
Cheap enough to try, given Florida's outrageous premiums.
Verified Review
Reviewed in California on March 14, 2026
They are excellent and I understand they are the cheapest. Over the years, many companies called with quotes, but none were cheaper than USAA.
Verified Review
Reviewed in Pennsylvania on March 14, 2026
I had a claim service problem because USAA's agent spent over three weeks searching for parts for a Toyota Avalon. Too bad I was driving a Chevrolet Avalanche. A little incompetence goes a long way.
Verified Review
Reviewed in Virginia on March 13, 2026
It was great until policy renewal, then it went up $110 a month.
Verified Review
Reviewed in Kentucky on March 12, 2026
Ussa is outstanding insurance but too expensive.
Verified Review
Reviewed in Florida on March 10, 2026
Same as any other insurance company. They used to be great when we just covered officers, but now that we cover anyone who can spell Army, the company has become mediocre and expensive to boot.
Verified Review
Reviewed in North Carolina on March 10, 2026
Great company to work with. Competitive rates.
Verified Review
Reviewed in Arkansas on March 3, 2026
Astronomical rates that keep rising on my 2016 car. Monthly premium rates are too high.
Verified Review
Reviewed in Florida on February 28, 2026
It is good but expensive.
Verified Review
Reviewed in Florida on February 28, 2026
Good customer service but very high rates.
Verified Review
Reviewed in New Mexico on February 25, 2026
Don’t file any claims with your insurance that aren’t absolutely necessary. Your rates will quadruple, and you won’t find out until it is due.
Verified Review
Reviewed in Georgia on February 23, 2026
Response to incidents is great. Prices continue to rise, making people look for alternatives.
Verified Review
Reviewed in Texas on February 16, 2026
Great service, expensive.
Verified Review
Reviewed in Florida on February 12, 2026
They took care of me after an accident. The vehicle that hit me had inferior insurance.
Verified Review
Reviewed in Pennsylvania on February 10, 2026
I have had no claims, so there is no new information to share.
Verified Review
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
Verified Review
Reviewed in District of Columbia on February 3, 2026
The insurance is fine, but it's the other corporate decisions that have me looking for another carrier.
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 North Dakota on January 28, 2026
No problem. I pay the bill and have not had to use the insurance.
Verified Review
Reviewed in Georgia on January 25, 2026
Excellent but expensive for someone who barely drives the car.
Verified Review
Reviewed in Texas on January 23, 2026
Premiums are a bit too high.
Verified Review
Reviewed in Michigan on January 22, 2026
I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.
Verified Review
Reviewed in Arizona on January 5, 2026
Good except it is expensive and we don't drive that much at our age.
Verified Review
Reviewed in Oregon on January 4, 2026
USAA has been great! The process was lengthy on my complex claim, but overall splendid!
Verified Review
Reviewed in Indiana on December 30, 2025
My insurance is based on recommendations by USAA to cover my assets. I'm comfortable with my coverage even though it costs more than other insurance companies that cover less.
Verified Review
Reviewed in Florida on December 29, 2025
Great coverage for a fair price.
…
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. | $80/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 623 verified driver reviews and ratings
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.5 | 3.1 |
| Value | 4.2 | 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 267 American Family reviews
Verified Review
Reviewed in Ohio on April 4, 2026
Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.
Verified Review
Reviewed in Oklahoma on April 4, 2026
They started out affordable, but the rates jumped up with hardly any warning. After being with them for years, my policy kept increasing. I would advise others to keep looking.
Verified Review
Reviewed in Washington on March 31, 2026
Everything was good, I just found better coverage at a cheaper price.
…
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 4.6 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 | 4.5 |
|---|---|
| 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. | 8.5 /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. | $143/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. | $219/mo |
4.5
Best choiceBased on 2,350 verified driver reviews and ratings
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 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 Michigan on May 3, 2026
Great rates, friendly customer service.
Verified Review
Reviewed in Missouri on April 5, 2026
Check rates first, then choose.
Verified Review
Reviewed in Michigan on March 21, 2026
Contact and conversation prior to completing the deal are great. I personally feel insulted by the lack of cooperation after requesting a complete outline and explanation for my completely overcharged policy. I know for a fact that my driving and claims history is exceptional as I am a former state trooper and US Air Marshal. I am currently paying more with one vehicle insured than I previously paid for two. I have yet to receive the phone call as requested to explain the high rates given my professional background and history. To say I am frustrated with MEEMIC (AAA) is grossly understated.
…
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 4.4 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 | 4.5 |
|---|---|
| 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. | 8.5 /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. | $143/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. | $219/mo |
4.5
Best choiceBased on 2,350 verified driver reviews and ratings
CSAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 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 Michigan on May 3, 2026
Great rates, friendly customer service.
Verified Review
Reviewed in Missouri on April 5, 2026
Check rates first, then choose.
Verified Review
Reviewed in Michigan on March 21, 2026
Contact and conversation prior to completing the deal are great. I personally feel insulted by the lack of cooperation after requesting a complete outline and explanation for my completely overcharged policy. I know for a fact that my driving and claims history is exceptional as I am a former state trooper and US Air Marshal. I am currently paying more with one vehicle insured than I previously paid for two. I have yet to receive the phone call as requested to explain the high rates given my professional background and history. To say I am frustrated with MEEMIC (AAA) is grossly understated.
…
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. | $244/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. | $446/mo |
4.5
Best choiceBased on 197 verified driver reviews and ratings
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.7 | 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 105 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 | 4.6 |
| AAA | 4.4 |
| 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 | 4.2 | 4.6 | 4.6 | 4.4 | 4.5 |
| AAA | 4.5 | 4.4 | 4.3 | 4.4 | 4.3 | 4.3 | 4.3 |
| Travelers | 4.6 | 4.6 | 4.3 | 4.3 | 4.6 | 4.6 | 4.6 |
| Safeco | 4.3 | 4.1 | 3.8 | 4.0 | 4.1 | 3.9 | 4.1 |
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 $42 per month for liability-only coverage. Auto-Owners and USAA 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.
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Sarah ArchambaultInsurance Writer, Editor
Experienced personal finance writer
Background working with banks and insurance companies
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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