Compare car insurance discounts

Save on your policy by claiming your discounts.

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You won’t find any shortage of car insurance discounts out there, but companies aren’t always forthcoming about how to claim them. Find out how to identify and take advantage of them to save more money.

Best car insurance discounts

How much will discounts affect my rate?

Depending on your insurer, discounts can stack to save you 50% or more on your premiums. How much you can save is affected by your provider’s selection of discounts and what you’re eligible for.

To stack discounts, you need to be eligible for more than one. An example of this might be getting a hybrid car discount of 5%, a claims free discount of 15% and a discount for paying in full of 5% — which would give you a total of 25% off your premium. That means if your original premium was $1,300 for a year, it would drop to $1,105 — a yearly savings of $195.

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Best discounts: Progressive

Choose from a long list of discounts and coverage for almost any driver.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
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Compare the best car insurance discounts

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Find basic coverage and low rates through its easy online or app-based experience.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

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Car insurance discount definitions

Knowing the meanings of common terms that you’ll come across can help you more effectively capture applicable discounts.


Some insurers provide a discount when you set your insurance account to automatically draw monthly payments from your bank or card. Check your policy terms or call your provider to ask if it supports and autopay discount.

Bundle, loyalty, multi-car or multi-policy

Most providers offer a discount when you insure more than one car or take out more than one type of insurance product with them.

A multi-car policy covers more than one vehicle on the same policy. A multi-policy combines different insurance products, like homeowner’s and car insurance. They’re often referred to as “bundling” or “loyalty.” Typically insurers are more likely to openly advertise these discounts.

Defensive driver or driver improvement

Many providers offer a discount for taking a driving course. This discount is usually limited to certain groups, like young drivers, seniors and inexperienced drivers. Depending on the provider, only select driver courses are approved, so you should get in contact with an agent before taking a course.

Electric, hybrid or green

Some providers offer a discount to owners of green cars, including hybrids and electric vehicles. This can help offset typical premium increase that comes with an electric car, which is usually due to higher claim costs.

Good student

Students who maintain a certain grade-point average, usually 3.0 or better, can be rewarded with a discount. Depending on the provider, this discount is typically available to unmarried, full-time high school or college students between the ages of 16 and 24.


Because homeownership is often equated with financial responsibility, homeowners can be rewarded with a discount simply for owning their home. This is separate from bundling your homeowner’s insurance.

Low income or low cost

Some states require insurers to provide affordable insurance to eligible, low-income drivers. Contact your insurer if you think you may qualify.

Low mileage, pay as you go or telematics

If you don’t drive your car often, you may be eligible for this discount. One of the factors insurers use to determine the cost of insurance includes the typical amount of miles driven in a day. Drivers can also save money by getting a pay-as-you-go policy, which allows you to only pay for the miles you drive.

Military or veteran

Some providers show their appreciation to service members by offering a discount to active military, veterans and their family members. You may be able to add this discount online if you weren’t able to when signing up — if not, simply call your provider.


Drivers in certain occupations are considered a lower risk to insurers. Fields of employment that are often recognized include: educators, scientists, medical professionals, engineers and first responders.

Online quote or e-sign

When you obtain insurance online, it saves the provider money. Some providers reward drivers for this with a discount. Ways that you can get the discount include getting a quote online, applying online or e-signing your documents.

Pay in full

When you pay for your policy upfront, many providers will give you a discounted rate. Usually policies renew on a 6-month schedule.

Safe driver, responsible driver, accident-free or claim-free

When you drive responsibly, some providers will offer a discount. To qualify in most cases, you must have a clean driving record or be accident free for a set amount of time — typically the previous three years. You can also get a discount when you don’t make a claim for a specified amount of time.

Safety device or safe vehicle

Newer cars, as well as many older models, come with safety features to help keep the driver and passengers safe. Some of these safety features that can get you a discount include: anti-lock brakes, airbags, automatic seat belts, blind spot sensors, lane departure warning, daytime running lights, adaptive cruise control and good safety ratings.

Security or antitheft

Security devices help prevent your car from being stolen, which insurers like. It can save them the cost of having to replace your car if it were stolen.

Antitheft devices can include passive — ones that automatically engages when the engine is turned off — and active, ones that the driver turns on manually. Keep your provider up to date with any new safety features you add, it could end up saving you a few dollars.

How much each discount can save you

Insurance companies don’t always advertise their discounts to established customers, so remember to ask about what they can offer. Discounts vary by state and insurance company. Compare the possible discounts you could qualify for and how much you could save.

DiscountAverage savingsHow you could qualify for this discount
Safe driver$50 to $500 or 15%Drive without getting in an accident or making a claim for a certain period of time
Good student10% to 35%Get a B average (3.0) or higher in high school or college
Paid in full5% to 10%Pay upfront or sign up for autopay
Bundle5% to 10%Combine multiple cars or insurance policies with the same provider
Low mileage20% to 50%Your car is garaged, you don’t drive much or you drive during low traffic times
Defensive driver10% to 20%Pass a driver safety or skills course
Security5% to 25%Your car has a device that makes it harder to steal, like an alarm or tracking device
Safety device5% to 33%Drive a car with antilock brakes, airbags, etc.
Electric, hybrid5% to 10%Choose an electric, hybrid or low emission car
Military5% to 10%Serve, have served or have an affiliation with the military
Low income50% to 75% or moreHave a low income in states that require insurance
Homeowner10% to 25%Own a home instead of renting
Occupation5% to 15%Be employed in education, healthcare, government, nonprofit and other occupations
Online quote5%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, be cautious when deciding on a policy. Read the terms and conditions and be aware of a few pitfalls you could run into, like:

  • Time limits. Some deals may only apply for a limited 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 discounts are often excluded from earning more, or may only qualify for up to a certain amount off.
  • Rising premiums: Getting 25% off your car insurance is nice, but you’re not saving 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.

Bottom line

Taking advantage of the many car insurance discounts available to you is as simple as knowing where to look. Explore all your options when shopping for car insurance so you don’t miss out on any savings.

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