Affinity Membership Discount for Car Insurance

Sometimes, it really is all about who you know. Lucky for you, you know The Zebra.

Location pin icon
No junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

What are car insurance discounts for affinity memberships and professions?

There are a couple of ways to earn discounts on car insurance quotes based on your occupation or on a different factor in relation to your occupation. Some insurance providers differentiate these classifications, while others simply loop them together. To make things easy, these discounts are simply called affinity/membership and professional discounts. Let’s explore.

What’s an affinity discount?

An Affinity Discount refers to when insurance companies offer discounts based on your membership to a common (and pre-approved) organization. This can be business organizations, clubs, fraternities or sororities.

What’s a profession-based discount?

A professional discount refers to when a person falls into a certain job that earns them a discount. This discount differs from an affinity group because not all companies require you to belong or pay dues to the club. For some companies, you automatically qualify based on your occupation. Typical jobs are:

Why do these discounts exist?

These types of discounts exist for a couple of reasons. Affinity/membership discounts follow the buying-in-bulk kind of mentality. Insurance companies offer these organizations discounted rates based on the belief they will encourage their members to purchase them. Thus, give them business. They get a customer and you get coverage. Win, win!

For the profession-based discount, the reason is slightly different. Some insurance companies look at members of certain professions as ideal clients. These occupations, which we will outline, are less likely to take risks which could lead to a potential claims payout by their insurance company. So, as a way to encourage these types of clients, insurance companies offer a discount.

How much can you expect to save?

These discounts aren’t meant to halve your car insurance premium. For that, you will have to do a little more work. On average, if you qualify for these discount (which depends on your company and your state), you can see a 3-5% savings or $40-$60/year. If you’re looking for ways to save on car insurance, consider how much you could be saving by switching companies. Only with The Zebra can you shop 200+ companies at once. Start saving today.

Looking for a specific career?

Here are our articles and other ways to save for profession-specific car insurance!

Compare quotes from over 100 providers.

Location pin icon
No junk mail. No spam calls. Free quotes.



Why do certain jobs pay less for car insurance?

The discount you are referring to is known as an "Affinity" or "Membership" Discount. Basically, insurance companies use historical data to prove that certain occupations equate to less risky drivers.
Mar 31, 2018 Cedar Park, Texas

Are 911 dispatchers eligible for insurance discounts as first responders?

Every insurance company has different guidelines and available discounts, so it's hard to give a blanket statement about your eligibility. That said, The Zebra can quote you with several companies at once, giving you the chance to compare the best rates available.
Jun 9, 2019 Gnaw Bone, IN

Why do some jobs get insurance discounts and others don't?

Insurance companies analyze a lot of information to better forecast risk (customers). This basically means that they try to determine how likely it is that a person will file a claim and charge that customer accordingly.
Feb 25, 2017 Frankfort, KY

How can I find the best auto insurance for my family?

Some insurance companies offer occupational discounts, including for teachers and educators. On average, teachers paid $1,515 annually for auto insurance — 2% less than the national average.
Feb 13, 2020 North Little Rock, AR

Ava Lynch photo
Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

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.