Car insurance discounts: Find savings for every driver |

Car insurance discounts

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Save on car insurance by claiming your car insurance discounts.

Always stay diligent about saving on your car insurance. There are lots of discounts out there, and some companies aren’t always forthcoming about ways to save money. If you want to get car insurance discounts instead of just hearing about them, this guide can show you how.

Compare the best car insurance discounts

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Best car insurance discounts

How much will discounts affect my rates?

Paying less doesn’t necessarily mean getting less. You don’t always have to sacrifice the amount of your coverage to save money on your car insurance. You just need to know what to look for and decide what works best for you. Car insurance can get expensive, so look for ways that you can save.

Insurance companies determine your premium based on behaviors of certain groups. People who drive more and into busy areas, younger drivers and people who drive high-performance cars are more likely to file claims. On the other hand, more experienced drivers, people who drive cars with safety and security features and people who drive less tend to pay less. Insurance companies take all of this into consideration when determining premiums.

Cheapest insurance for every driver

Find the best insurance for you with guides on finding discounts and savings for anyone.

Find the cheapest rates

Compare the best car insurance companies near you.

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What discounts should I look for?

Insurance companies don’t always advertise their discounts to established customers. If you’ve been with a company, it’s worth asking about what they offer. Discounts vary by state and insurance company. Compare possible discounts you could qualify for and how much you could save.

DiscountAverage savingsHow you could qualify for this discount
Low mileage, pay as you go20-50%Your car is garaged, you don’t drive much or you drive during low traffic times
Defensive driver, driver improvement10% up to 20%Pass a driver safety or skills course
Security, anti-theft5%, up to 25%Your car has a device that makes it harder to steal like tracking or an immobilizer
Safety device5-10% up to 33%Drive a car with anti-lock brakes, airbags, etc.
Electric, hybrid5-10%Choose an electric, hybrid or low emission car
No claims, claim free, safe driver$50-500 or 15%Don’t make a claim for a certain period for discounts, cash back, credit or lower deductible
Paid in full, autopay5-10%Pay up front or sign up for autopay
Good student10% up to 35%Maintain a 3.0 GPA
Military, veteran5-10%Serve, have served or an affiliation with the military
Low income, low cost50-75% or moreFor low income drivers in states that require insurance
Bundle, loyalty5-10%Combine multiple cars or insurance policies with the same provider
Homeowner10-25%Own or rent a house instead of an apartment
Occupation5-15%Employed in education, healthcare, government or nonprofit
Online quote, sign up bonus5%Get a quote, switch or sign up and get a discount on your first term

What to watch out for with car insurance discounts

Discounts can help you save a significant amount of money, but their main purpose is to bring in new customers. With car insurance being such a competitive market, always be cautious when deciding on a plan. Read the terms and conditions and be aware of a few exclusions you could run into.

  • Time limits. Some deals may only apply for a limited period of time. There’s a big difference between getting 10% off for one year or two.
  • Exclusions. As with the policies themselves, exclusions can also apply to discounts. Customers who are already earning certain discounts are often excluded from any more or might only qualify for up to a certain amount off total, for example.
  • Rising premiums: Getting 25% off car insurance is nice, but you’re not saving any money if the insurer raises your premiums by 26% soon after. For general car insurance, insurers are able to set their prices, and change them without notice. Stay diligent and frequently compare policies, or ask your insurer why they raised your rates.

Which company has the cheapest car insurance?

While some companies may seem to be the cheapest based on the number of discounts offered, you won’t necessarily get the best overall rate. And your exact quotes will depend on your location, driving history, vehicle and coverage choices, among other factors. To find the best affordable insurance for you, it pays to compare total costs and what you get for that price, including coverage, mobile apps, customer support and perks like free roadside assistance. Compare sample quotes for cheap car insurance to get an idea of what you can get for the bare minimum coverage.

Cheap car insurance quotes with discounts included

CompanyAverage annual rateLearn more
Geico$394Read review
USAA$416Read review
Progressive$536Read review
Grange$557Read review
Mercury$564Read review
Esurance$609Read review
Kemper$615Read review
21st Century$651Read review
Allied$666Read review
Nationwide$666Read review
Allstate$693Read review
Liberty Mutual$709Read review
State Farm$726Read review
The Hartford$727Read review
Average$598Compare all reviews

More ways to save money on car insurance

To save even more on your insurance, keep these other options in mind.

  • Buy a car that’s cheaper to insure. Cars that are cheaper and easier to repair cost less to insure. Keep prices down by buying something that’s cheap, safe and fuel-efficient.
  • Drive defensively. You’ll always save money if you don’t make any claims. To avoid an accident never drive while impaired, tired or distracted.
  • Pick a higher deductible. The deductible makes a substantial difference to your premiums, and it’s worth adjusting to take advantage of savings.
  • Nominate drivers. Specify exactly who’s allowed to drive your car, and prevent anyone else from getting behind the wheel. This can go a long way to keeping premiums down.
  • Park safely. Many insurers will offer lower prices for a car that is kept under a carport rather than on the street, and lower prices still when it is kept in a secure, lockable garage.
  • Choose add-ons carefully. Where possible choose a policy that gives you the flexibility to drop features you don’t need, and get the ones that are important to you.

Find the cheapest rates

Compare the best car insurance companies near you.

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