Car Insurance Discounts
- Bundling and telematics discounts offer the biggest savings.
- GEICO and Farmers offer the most comprehensive list of discounts.
- While it’s tempting to focus on flashy discounts, what really matters is your bottom-line price.
The best way to get the lowest price on car insurance? Compare quotes and save!
How to find the best car insurance discounts
With car insurance premiums seemingly rising every year, saving money becomes more and more important. Thankfully, lots of insurance companies offer discounts to help slash those premiums. Discounts will differ from company to company (we'll break them down, don't worry), so it's important to shop around with multiple companies to see which one offers the best value for your unique circumstances.Â
A Marble app survey concluded that nearly 40% of people didn’t ask their insurer about discounts the last time they shopped.[1] With auto insurance rates as high as they are—$880 per six-month policy in 2025, in fact— we can't afford to leave money on the table.[2]
Check out our comprehensive list of common auto insurance discounts to find out which insurance company might provide you the best value.Â
Don't forget: The biggest discounts don’t always mean the best price
- Every insurer sets their individual discount amounts, so there's no easy way to say just how much you can save with discounts, but it's always worth exploring.
- Ultimately, what really matters is the final price—a 25% discount off an already high rate could still cost more than a smaller discount from a lower-priced insurer.
Payment Discounts
Lots of companies offer discounts based on how you pay for your car insurance. The savings precenrage is usually minimal, but if offered, they're easy to obtain and stack up.Â
Some insurance companies reward careful planning with discounts if you purchase your new policy seven days before your next premium is due to your current insurer — potentially saving from 2% to 4%.Â
Many insurers offer a discount when you enroll in autopay, helping you avoid missed payments while keeping more money in your pocket.
Go paperless and save! Some insurers offer discounts for customers who e-sign policy documents and opt for paperless billing. It's good for the planet, your business, and your wallet.
Paying your annual premium upfront earns a discount with nearly half of insurers—plus, no monthly payments to worry about!
Updating data...
| Payment discount type | Avg. Monthly Premium | Average savings |
|---|---|---|
| Autopay | $138 | -1% |
| Advance purchase | $139 | -2% |
| Payment Type - Paid In Full | $141 | -2% |
| No discounts | $144 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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Driver-based discounts
These discounts are based on you: your driving habits, your lifestyle, and your general situation. You may qualify for more than one of the following discounts, so be sure to ask your insurance provider what they offer.Â
✦ Affinity discount: Your job, school, or memberships may earn you car insurance discounts, especially in low-driving or select professions like police, healthcare, and teaching.
✦ Annual mileage: Driving less lowers your risk, making you more appealing to insurers. Ask about low-mileage discounts—some may require mileage tracking.
✦ Defensive driver class: Completing a defensive driving course may earn you a discount. Check with your insurer for approved courses and eligibility.
✦ Distant student: College students far from home without a car may qualify for a Distant Student Discount, saving up to 30%. Eligibility varies by carrier.
✦ Good driver: Safe drivers with clean records (3–5 years accident-free) can save 10–26% with a good driver discount. Savings grow over time.
✦ Good student: Students under 25 with a 3.0+ GPA can earn a good student discount. Proof of GPA is required, and savings increase when combined with a safe driver discount.
✦ Homeowner: Homeowners are seen as lower risk by insurers and may qualify for a discount on their premiums.
✦ Multi-policy:Bundle auto with home, renters, or condo insurance for discounts and easier policy management.
✦ Multi-vehicle: Insure multiple vehicles under one policy for a discount. Rules vary, but cars must be in use and owned by the same household.
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Updating data...
| Company | Rate with homeowner bundle | Rate with renter bundle | No bundle |
|---|---|---|---|
| Allstate | $177 | $191 | $195 |
| American Family | $106 | $121 | $129 |
| Auto Club | $138 | $147 | $158 |
| Farmers | $121 | $136 | $146 |
| GEICO | $122 | $125 | $128 |
| Nationwide | $109 | $116 | $123 |
| Progressive | $140 | $149 | $154 |
| State Farm | $110 | $124 | $131 |
| Travelers | $101 | $107 | $112 |
| USAA | $109 | $111 | $114 |
Source: The Zebra
*In this table, "Auto Club" refers to AAA insurance company.
"Agents have a closer knowledge of carriers and their specific discounts. The conversation itself can lead to more savings."
Amber Vigil — Licensed agent and sales manager at The Zebra
Vehicle-based discounts
These are just what you think: they're based on the vehicle, instead of the person. Many new cars come standard with some features, such as anti-lock brakes. There are also perks if you have a hybrid vehicle, a newer model car, or allow a telematics device to be installed.
Anti-theft discount
Anti-theft devices can prevent theft and lower premiums. Advanced systems may save you 10–25%
Green vehicle
Owning a hybrid or EV may earn you a 10% discount. Advanced safety features can unlock more savings.
New vehicle
Savings between 10% to 30% are up for grabs if you’re covering a new car — or sometimes a vehicle less than three years old.
Passive restraint discount
Factory safety features like airbags and ABS can lower premiums. Check with your insurer for available discounts.
Telematics
Telematics-based insurance tracks driving habits to adjust premiums. Safe drivers can save, with rates recalculated in as little as six months
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Please note that telematics savings vary by company, state and driver.Â
Updating data...
| Anti-theft Device | Avg. Monthly Premium | Percent Savings |
|---|---|---|
| None | $160 | 0% |
| Tracking Device | $157 | -1% |
| Active Disabling Device | $153 | -4% |
| Audible Alarm | $149 | -6% |
Source: The Zebra
Improve your discount eligibility by:
✅ Maintaining a good driving record
✅ Taking a defensive driving course
✅ Consulting with your insurance agent to help identify all discounts
Meet the experts
Connect with one of our agents to discover all possible discount opportunities. Call us at 1-888-419-3716
Do car insurance companies offer seasonal promotions?
Like any product, auto insurance prices fluctuate from time to time. While seasonal auto insurance promotions are uncommon, car insurance companies frequently modify their pricing strategies based on industry-wide data and adjustments to rating factors.
The best way to get the lowest rates — regardless of whether you can find a car insurance promotion — is to shop around at every opportunity. By seeking quotes every six months, you can keep your finger on the pulse of insurance prices and ensure you don't pass up an opportunity to save.
Other types of discounts
Some discounts are less common and not explicitly mentioned by insurance companies but can still save you money. Those include:
More ways to save
Inquiring about discounts for which you're eligible is a great start to saving on car insurance. Still, there are even more ways to unlock savings that should be considered.Â
While many insurance companies offer a loyalty discount, sticking with the same provider may actually be costing you— even the Insurance Information Institiute agrees[3]. The best way to guarantee you're getting the best rate possible is to shop around with different companies at renewal. Don't forget to ask about which discounts may apply to you!
We understand that paying more out of pocket in an emergency situation is not appealing, but if monthly savings are important to you and you can afford a higher deductible in case of an incident, raising your deductible is a great way to lower your car insurance premium.Â
Drivers with good credit often pay less in premiums because insurers see them as lower risk. The same goes for safe drivers— accidents and tickets are two of the most expensive penalties on car insurance premiums. Keeping a clean driving record and good credit helps keep rates low.Â
Final verdict: Auto insurance discounts
Discounts are a great way to save some money on car insurance, but what's most important to focus on is bottom-line pricing for your needs. You may qualify for a ton of discounts from a certain comapny— but if their rates are already high, their coverage is unsatisfactory, or you have to compromise on deductible amounts in order to validate the price point— another insurer might be better suited for you.Â
Compare auto insurance quotes today.
Frequently asked questions
Monthly user surveys via the Marble App. The Zebra
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
How to save money on car insurance. Insurance Information Institute
Related Content
- Senior Citizen Discounts for Car Insurance
- Anti-theft Device Discounts for Car Insurance
- How Dash Cams Affect Car Insurance
- Defensive Driving Discounts for Car Insurance
- Military Discounts for Car Insurance
- No-Claims Bonus Car Insurance
- Affinity Membership Discount for Car Insurance
- Student Discount for Car Insurance
- Customer Loyalty Discount for Car Insurance
Related Questions
Other people are also asking...
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.