Best Auto Insurance Discounts in 2025 (Save up to 40% With These 10 Companies)

Metromile, Geico, and State Farm offer some of the best auto insurance discounts, with savings of up to 40% for safe driving, bundling coverage, and having good credit.

Our Top 10 Company Picks: Best Auto Insurance Discounts

The best auto insurance companies offer various ways to save, and you can boost these savings even further by raising your deductibles and shopping around for lower rates.

Master these strategies to maximize your discounts and keep your premiums low. Enter your ZIP code into our free quote tool above to instantly see how auto insurance discounts can impact your monthly premium.

Common Types of Auto Insurance Discounts

You may be wondering, “How can I lower my auto insurance rate?” While there are various factors that affect insurance rates, the best auto insurance companies reward extra savings to drivers with specific characteristics through discounts.

Fortunately, there are numerous discounts available that you can take advantage of when it comes to auto insurance.

Most Common Auto Insurance Discounts

Remember that each insurance company chooses what types of auto insurance discounts to offer and the savings amount. So, while one company may offer a 25% automobile insurance discount, another company may only provide a 10% savings or no discount at all.

In addition, each company determines when you’re eligible for auto insurance savings. For example, you may have to be with the company for several years to qualify for auto insurance deals based on loyalty.

Auto Insurance Discounts From Top Providers

When you shop for auto insurance, compare discounts, rates, and coverages. Discount auto insurance rates may make the difference in which company is cheaper for you.

Research the most common auto insurance discounts to have an idea of what to expect. Figure out how to get discounts on auto insurance by reaching out to the companies directly, or looking at a list of auto insurance discounts.

Now, we’ll look at the categories of auto insurance discounts that are potentially available to you. Keep reading to find your best auto insurance discounts and learn how to save money on auto insurance premiums.

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Best Auto Insurance Companies for Discounts

There are many different ways to get discounts on auto insurance. When it comes to auto insurance, there isn’t a one-size-fits-all solution. Instead, your personal characteristics determine your rates and discounts. Additionally, each auto insurance company determines discount amounts.

To get started, the map below shows the average full coverage auto insurance rates by state:

This table shows how to save on auto insurance from the top insurance companies. Remember, not all insurance companies offer the same discounts, so look carefully to see which insurer can provide you with the most savings:

Auto Insurance Monthly Rates by Coverage Level

Compare discounts and rates when shopping for auto insurance. Discounts may determine which company is cheaper for you.

Read the fine print when looking at discounts — some discounts are up to a certain percentage, meaning you may not qualify for the total discount. Also, auto insurance companies don’t automatically apply discounts to your policy, so you may have to ask for specific discounts.

Driver-Related Auto Insurance Discounts

Your personal characteristics may help you find discount auto insurance. Everything from your driving record to where you work can save you money. Auto insurance companies offer savings for traits that make you a safer driver and save them money.

Let’s look at some car insurance discounts to ask for and how you can take advantage of them.

Safe Driver Auto Insurance Discount

It’s not a surprise that your driving record affects your auto insurance rates. Drivers with accidents, tickets, or DUIs pay much higher rates than drivers with clean records. Learn how auto insurance companies check driving records here.

Additionally, your driving record can earn you up to a 35% good driver discount on auto insurance. A discount of this caliber also shows this to be one of the best auto insurance discounts available.

Drivers who stay accident or claims-free for some time earn significant discounts since they’re less likely to cost the insurance company, including possible auto insurance safety discounts. The amount of time you must be accident-free and the safe driver discount amount vary by company.

However, don’t worry if your driving record isn’t clear. In most states, accidents and tickets stop affecting auto insurance rates in three to five years.

So, avoid adding dings to your driving record to get lower auto insurance rates and earn a significant safe driver discount.

There are also safety features that lower auto insurance with many companies, such as telematics. Having a telematics insurance discount, such as Drive Safe & Save™ with State Farm, can lower monthly costs. Devices and apps allow for auto insurance savings based on tracked safe driving habits.

Good Student Auto Insurance Discount

While specifics vary by company, students with a high GPA can earn a good student auto insurance discount. This is one of a few discounts on auto insurance aimed toward young adults due to notoriously high rates for younger drivers.

You could earn a 25% good student discount on auto insurance for young adults, bringing high coverage rates down to a reasonable cost.

Most insurance companies require the student to maintain at least a B average, be enrolled full-time in high school or college, and be under 25 years of age.

Students who go to college away from home may also qualify for a distance student discount.

Driver’s Education Auto Insurance Discount

Driver’s education teaches new drivers how to drive safely, and most states require underage drivers to complete a course to get a license.

Although driver’s ed is similar to a defensive driving course, it teaches young drivers the rules of the road in addition to safe driving skills. This is one of the less common auto insurance discounts.

Combine your good student and driver’s ed auto insurance discount for significant savings on auto insurance for teens.

Student Away at School Auto Insurance Discount

You might not have been aware that having a child in college could actually help you save on auto insurance. Students away at school without a car earn a discount since they only drive when they’re home.

Although requirements vary, students typically must be enrolled full-time in a school at least 75 miles from home and not use a vehicle. In addition, since the student lacks access to a car most of the time, most insurance companies offer significant savings. Learn more about auto insurance for children at college here.

Married Driver Auto Insurance Discount

Auto insurance companies offer an insurance discount for being married since statistics show that they’re less likely to engage in risky behaviors and are safer drivers. In addition, many married couples choose to bundle their policies, resulting in more significant auto insurance savings. Read more about the best auto insurance companies for married couples.

Remember that only about half of the top insurance companies offer a discount for married drivers. So, let your insurance company know if you’ve had significant life events like getting married because you may qualify for additional savings.

Military Auto Insurance Discount

Many auto insurance companies offer discounts of up to 15% for active and retired military members and their families. Expected savings include military, garaging, and deployment discounts.

For example, you can get a Geico discount of 25% if a service member is deployed to an imminent danger area and stores their vehicle.

Although many insurance companies offer military discounts, USAA only provides coverage to military members and their families. So, there isn’t a particular USAA military discount, but our USAA review shows rates are generally much lower with the company, even without a discount.

A few companies offer disabled veteran auto insurance discounts. This is one of the best auto insurance discounts for seniors. On average, disabled veterans can save 10% on their auto insurance premiums.

Affiliation Auto Insurance Discount

Many insurance companies offer a specialized first responder auto insurance discount, acknowledging the crucial contributions of these dedicated professionals in the community. Auto insurance discounts for teachers and first responders are also available, offering them a 15% discount on auto insurance. Learn more about auto insurance for teachers.

Some insurance companies also offer discounts based on the organizations and schools you’re a part of. Examples include AAA, AARP, various colleges, fraternities, sororities, and student organizations.

Defensive Driving Course Auto Insurance Discount

Defensive driving course requirements vary by state but typically teach essential, safe driving skills, such as how to drive in bad weather, avoid road rage, and the dangers of distracted driving. You can also earn a defensive driver auto insurance discount to lower your rates upon completion of a defensive driving course.

An important reason why you should take a defensive driving class is that it helps drivers avoid accidents. In addition, some states remove driver’s license points for taking the class, and some also allow you to take the class online at your own pace.

Low-Mileage Auto Insurance Discount

You might not have known that not driving often is actually the best way to save on auto insurance.

Some companies also offer up to 30% discounts for low mileage on auto insurance. Insurance companies know that less time on the road means a lower chance of an accident. Read more about auto insurance for infrequent drivers.

So, you might wonder how annual mileage affects auto insurance rates. You must show proof of your mileage every year to qualify for a low-mileage auto insurance discount.

Vehicle-Related Auto Insurance Discounts

You may be surprised to learn that your vehicle can also lower your rates. While auto insurance on new or expensive cars is higher, there are ways to save.

When looking for the best discount auto insurance, give accurate vehicle information to earn the most discounts. In addition, let your insurance company know if you’ve added features like an additional anti-theft device.

Many auto discounts only apply to your collision or comprehensive coverage. For example, comprehensive insurance covers a stolen vehicle, so anti-theft discounts only apply to that coverage.

New Car Auto Insurance Discount

A new car auto insurance discount is readily available due to the abundance of safety features in modern vehicles, which effectively reduce the risk of accidents. This exclusive 15% discount is typically applicable to cars less than three years old.

Usage-Based Auto Insurance Discount

How you drive your car can also lower auto insurance premiums. Many of the top auto insurance companies have usage-based insurance programs to award safe drivers up to 40% off their rates.

Typically, the insurer uses an app to track specific driving behaviors, such as speeding, phone use, acceleration, and hard braking. Then, you receive a discount based on how well you score.

You’ll find usage-based coverage and many other auto insurance discounts with Progressive, State Farm, Allstate, and Liberty Mutual.

Learn More:

• State Farm Drive Safe and Save Review
• Allstate Drivewise Review
• Liberty Mutual RightTrack Review
• Progressive Snapshot Review

This table shows usage-based auto insurance programs from top insurers and the savings amount offered.

Usage-Based Auto Insurance Discounts by Provider & Savings Amount

Keep in mind that some insurers raise your rates if you score poorly. Although telematics can make you a safer driver with immediate feedback, you want to keep cheap insurance rates. For drivers with safe driving habits, usage-based discounts offer significant savings.

Anti-Theft Auto Insurance Discount

What is an anti-theft device in car insurance? Most cars now come with anti-theft features, such as VIN etching and car alarms, which can save drivers up to 25% on their auto insurance.

Remember, not all insurance companies offer identical discount amounts. For example, Geico auto insurance offers up to a 25% discount for the devices. On the other hand, State Farm auto insurance discounts for anti-theft devices are as high as 15%.

GPS tracking programs like OnStar and LoJack reduce insurance rates because they help recover your vehicle if it’s stolen. Since your comprehensive insurance covers stolen cars, that’s where your discount applies.

Be sure to inform your insurance company if you install anti-theft devices aftermarket to get the discount.

Safety Features Auto Insurance Discount

Auto insurance companies understand that the safety features of your car save them money. Not only do these features keep you safe, but they also help you avoid accidents and reduce claims.

Some insurance companies offer a general safety feature discount, and others give up to 5% discounts for each feature individually.

Standard safety features include airbags, seat belts, daytime running lights, cameras, automatic braking, lane assists, electronic stability control, and antilock brakes.

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Policy-Related Auto Insurance Discounts

You may also be eligible for discounts based on your policy. So, whether you have multiple cars or like to pay your bills online, you can save money.

Every auto insurance company offers various discounts related to your policy, and not all companies offer the same discounts. Most auto insurance policyholders qualify for multiple discounts, such as multi-policy and paperless discounts. Adjust how you pay your bill and when you renew for easy ways to save.

Multi-Vehicle Auto Insurance Discount

Drivers save up to 25% if they insure more than one vehicle with the same company. In addition to getting a multi-vehicle auto insurance discount, it’s also easier to have all of your cars insured together.

Many insurance companies have apps that allow you to access all of your information in one place. Read more about the best auto insurance companies for multi-vehicle households.

Multi-Policy Auto Insurance Discount

Anyone wondering how to reduce auto insurance should consider bundling policies. Insurance companies typically offer many insurance products that allow you to use one company for all your insurance needs.

Many companies offer discounts of up to 25% if you have multiple policies, such as bundling home, auto, boat, and personal liability coverage.

Not only does bundling all of your needs make it easier for you, but the insurer gains more policies. Learn more about how to save money by bundling insurance policies.

With many companies, you save more when you bundle more policies and may get additional savings on your other policies. For example, you can get 25% off of your auto insurance by bundling your home and auto, and you may save on your home insurance, too. Multi-policy discounts are typically some of the best auto insurance deals.

Paid-in-Full Auto Insurance Discount

How you pay for auto insurance can also save you money. For example, you may qualify for a discount if you pay in advance or make payments.

So, how do auto insurance payments work? Many auto insurance companies offer a paid-in-full discount of up to 15% for drivers who pay their entire policy at the start. In addition, some companies offer savings if you choose to set up automatic payments throughout your term. However, this is one of those auto insurance discounts to ask for specifically, as it’s not very common.

Paying in full also provides the best insurance rates, as taxes and fees are minimal.

Read more: How to Get an Electronic Automatic Billing Auto Insurance Discount

Early Signing Auto Insurance Discount

If you renew your policy or start a new one 14 days before your current policy expires, you can get up to a 12% discount on auto insurance.

However, each company decides just how far in advance you need to sign up to receive the discount.

While most companies prefer at least 14 days, some offer savings for less time. Companies can also decide when an offer for discounted auto insurance needs to be claimed.

Paperless Auto Insurance Discount

Many insurance companies offer a discount if you access your account through the app and get policy information online. Since most drivers prefer taking advantage of online options, discounts are usually around 5%.

Learn More: Best Auto Insurance Apps

Loyalty Auto Insurance Discount

Staying with your insurance company for multiple terms saves you money through the customer loyalty auto insurance discount. The required duration to qualify for the discount varies among companies.

While you can save 5% with a loyalty discount, not every company offers it. This is one of the best deals on auto insurance, as policyholders are rewarded for loyalty.

Remember that the best way to save money is to shop around. So, although you may lose your loyalty discount, you may find much lower rates elsewhere.

New Customer Auto Insurance Discount

Switching auto insurance companies can mean lower rates and an extra one-time discount when you switch. However, Liberty Mutual is the only one that offers a new customer discount from top companies.

In addition, some companies offer a discount of up to 12% for getting an online quote. Learn more about how to get a free auto insurance quote online.

Tips to Get the Cheapest Auto Insurance With Discounts

Add discounts to your auto insurance policy to get significantly cheaper rates. There are also other ways to get the lowest auto insurance rates available.

First, shop around. As we discussed, each company offers different discounts and rates. Compare multiple companies to find your cheapest auto insurance.

Next, learn what discounts are mandatory and available for you in your state. Then, ask for all eligible discounts, and bundle them for the most savings.

Since not all discounts are automatic, you need to know what you’re eligible for and what your state requires. For example, all insurers in Louisiana must offer active duty military personnel a 25% military discount, according to the Louisiana Department of Insurance.

Remember, many discounts are up to a certain amount and don’t apply to your entire policy. For instance, some discounts only apply to comprehensive auto insurance coverage. So, pay careful attention to the discounts your auto insurance company offers to know precisely how much you’re saving.

Also, change your personal factors to get the lowest auto insurance rates. For example, improve your credit score and keep your driving record clean to get lower rates. You can also lower coverage and raise auto insurance deductibles to get the cheapest coverage possible.

In addition, think carefully when you buy a new car. You might wonder whether the age of a car affects auto insurance rates. Newer or more expensive cars have higher auto insurance rates since repair costs are higher.

Finally, make changes to your policy to add more discounts. So, should I pay my auto insurance in full? Pay in full, go paperless and renew early to save even more. See what auto insurance discounts your insurer offers and learn how to take advantage of as many as possible.

Auto Insurance Monthly Rates by Provider & Driving Record

Auto insurance rates vary significantly depending on the provider and your driving record. Insurance companies assess factors such as past driving behavior and offer various discounts that can influence monthly premiums.

Finding auto insurance companies with the best discounts for safe driving, bundling policies, or low mileage can greatly reduce your insurance costs, making it easier to manage your budget.

Your driving record plays a crucial role in shaping auto insurance rates, but combining it with the right discounts can lead to significant savings.

By comparing rates and taking advantage of the best auto insurance discounts available, such as those for safe driving or policy bundling, you can secure quality coverage at an affordable price, ensuring you’re well-protected on the road while minimizing expenses.

Read More: Auto Insurance and Driving Laws

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#1 – Metromile: Best for Low-Mileage Drivers

Pros

• Pay-Per-Mile Savings: Metromile’s pay-per-mile model offers up to 40% auto insurance discounts for drivers who travel less than 10,000 miles annually, charging as low as $0.02-$0.06 per mile driven.
• Personalized Usage-Based Pricing: Advanced telematics technology through the Pulse device delivers customized rates based on actual driving patterns rather than estimated annual mileage.
• Maximum 40% Savings Potential: The Metromile auto insurance review highlights savings through mileage-based pricing for low vehicle usage.

Cons

• High-Mileage Driver Limitations: Frequent drivers exceeding 15,000 miles annually may face costs 20-30% higher than traditional insurance, as per-mile expenses increase substantially.
• Limited Geographic Availability: Restricted availability in only 8 states (California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, Washington, and Arizona).

#2 – Nationwide: Best for SmartRide Technology Rewards

Pros

• Advanced Telematics Rewards Program: SmartRide telematics program provides up to 40% premium reductions for safe drivers with personalized feedback through mobile app monitoring.
• Comprehensive Multi-Policy Bundling: Extensive bundling options deliver up to 25% multi-policy discounts when combining auto insurance with homeowners, renters, and life insurance policies.
• Unique Vanishing Deductible Feature: An innovative deductible reduction system decreases collision and comprehensive deductibles by $100 annually for each year of safe driving.

Cons

• Privacy Concerns with Monitoring: Continuous GPS tracking and behavioral monitoring through smartphone apps may not appeal to privacy-conscious drivers due to comprehensive data collection.
• Higher Base Premium Costs: Without SmartRide participation, base liability, collision, and comprehensive coverage costs can be 15-20% elevated (Read More: Nationwide Auto Insurance Review).

#3 – Allstate: Best for Cashback Rewards Program

Pros

• Dual Financial Benefits System: The Drivewise program combines up to 25% premium reductions with annual cashback rewards of up to $200 for safe driving habits.
• Extensive Local Agent Network: A comprehensive network of over 10,000 local agents provides personalized service for policy shopping, claims assistance, and coverage adjustments.
• Modern Vehicle Technology Incentives: Multiple safety feature discounts of up to 20% recognize advanced vehicle technology with specific auto insurance discounts.

Cons

• Smartphone App Dependency: As noted in our Allstate auto insurance review page, Drivewise requires continuous smartphone app use with GPS and accelerometer tracking.
• Expensive Without Program Participation: Base premium rates for liability, collision, and comprehensive coverage can be 25-30% costlier without Drivewise monitoring program involvement.

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#4 – Liberty Mutual: Best for Accident Forgiveness Protection

Pros

• RightTrack Program: Offers up to 30% premium reductions through comprehensive driving behavior monitoring with smartphone or device tracking of speed, braking, and acceleration.
• Accident Forgiveness Protection: A unique accident forgiveness feature protects liability, collision, and comprehensive rates from increasing after the first at-fault accident claim.
• Enhanced New Vehicle Coverage: New car replacement coverage provides superior protection for vehicles less than one model year old, ensuring full MSRP replacement value coverage.

Cons

• Consistent Performance Requirements: The 90-day RightTrack monitoring period requires ongoing safe driving behavior with scores above 70% to maintain premium reductions.
• Limited Specialized Program Variety: The Liberty Mutual auto insurance review notes that it offers fewer usage-based and specialty programs compared to larger competitors like State Farm and Progressive.

#5 – State Farm: Best for Extensive Agent Network

Pros

• Comprehensive Telematics Program: Drive Safe & Save program delivers up to 30% premium reductions through advanced telematics technology (Read More: State Farm Auto Insurance Review).
• Unmatched Local Agent Access: The largest network of over 19,000 local agents ensures accessible service for policy needs, including auto, home, renters, and life insurance.
• Educational Achievement Rewards: Student programs provide up to 25% good student discounts for maintaining B+ averages and driver education course completion discounts.

Cons

• Mandatory Telematics Participation: A maximum of 30% savings requires participation in Drive Safe & Save monitoring programs, which may deter drivers from preferring traditional methods.
• Multiple Qualification Dependencies: Competitive liability, collision, and comprehensive rates often depend on qualifying for common discounts simultaneously.

#6 – Progressive: Best for Name Your Price Tool

Pros

• Pioneering Usage-Based Technology: Snapshot program pioneers innovative discounted auto insurance with up to 30% savings through comprehensive driving behavior analysis.
• Budget-Friendly Shopping Tool: The Progressive auto insurance review highlights that the Name Your Price tool helps find affordable coverage by allowing customers to set specific budget parameters
• Transparent Online Quoting System: Immediate online quotes provide clear pricing with instant rate comparisons showing potential 15-40% savings calculations.

Cons

• Physical Device Installation Required: Snapshot device installation requires OBD-II port plug-in hardware for 6-month monitoring periods.
• Higher Base Rates Without Program: Base rates for liability, collision, and comprehensive coverage can be 20-25% elevated without the Snapshot program participation.

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#7 – Geico: Best for Digital Platform Excellence

Pros

• Convenient Smartphone Monitoring: The DriveEasy app provides up to 25% premium reductions through smartphone-based driving behavior.
• Specialized Service Member Savings: Military and federal employee programs offer exclusive discounts of up to 15% for active duty service members (Read More: Best Geico Auto Insurance Discounts).
• Efficient Digital Platform: A strong online platform delivers streamlined 24/7 service for policy management, claims processing, and coverage adjustments.

Cons

• Limited Personal Agent Access: Reduced local agent network with only 150+ offices nationwide, restricting face-to-face consultations and in-person support for complex coverage needs.
• Restricted Bundling Options: Fewer bundling choices are limited to auto, motorcycle, homeowners, renters, and umbrella policies.

#8 – American Family: Best for Regional Community Focus

Pros

• Regional Telematics Specialization: KnowYourDrive program offers up to 25% premium reductions with personalized driving feedback and safe behavior rewards.
• Community-Focused Local Service: Strong regional presence in 19 Midwest and Western states with dedicated local service. See more details on our page titled “American Family Auto Insurance Review.“
• Multi-Policy Bundle Benefits: Comprehensive bundling delivers up to 23% savings when combining auto insurance with homeowners, renters, life, and recreational vehicle coverage.

Cons

• Geographic Coverage Limitations: Limited availability is restricted primarily to 19 Midwest and select Western states (excluding major markets like California, Texas, Florida, and New York).
• Smaller Scale Competitive Disadvantage: Reduced scale with $12 billion annual premiums versus industry leaders’ $40+ billion may limit competitive pricing power.

#9 – Travelers: Best for Financial Stability

Pros

• Advanced IntelliDrive Technology: As mentioned in our Travelers auto insurance review, the IntelliDrive program provides up to 20% premium reductions with comprehensive driving behavior analysis.
• Reliable Financial Strength: Strong financial stability with A++ AM Best rating and $32 billion annual revenue ensures guaranteed claim payment ability for long-term customers.
• Professional Coverage Specialization: Professional liability expertise offers specialized coverage options for business professionals requiring enhanced protection levels.

Cons

• Lower Savings Potential: Reduced maximum savings opportunities are limited to 20% premium reductions compared to competitors offering 30-40% discounts.
• Limited Innovation Programs: Fewer cutting-edge programs with only 2 telematics options (IntelliDrive and mileage-based) restrict access to modern solutions.

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#10 – Safeco: Best for Flexible Coverage Options

Pros

• Personalized RightTrack Program: Advanced telematics with comprehensive coverage solutions and 90-day evaluation periods tracking speed, braking, and acceleration patterns.
• Customizable Policy Features: Flexible coverage options accommodate diverse needs with customizable deductible choices from $250-$2,500 (Read More: Safeco Auto Insurance Review).
• Quality Customer Service: Strong customer service reputation with a 4.2/5 J.D. Power rating ensures reliable support throughout policy terms and claims processing.

Cons

• Modest Savings Potential: The lowest maximum savings potential among top competitors, with 30% limits on premium reductions compared to other options offering 40% discounts.
• Limited Brand Recognition: Reduced brand recognition compared to industry leaders may restrict access to exclusive partnership programs, preferred repair networks, and specialized discounts.

How Auto Insurance Discounts Can Help Lower Your Auto Insurance Premium

Discounts are an easy way to get cheap auto insurance rates if you’re struggling with expensive coverage. For example, discounts can bring your rates down to normal if you have high rates due to a bad driving record.

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Auto insurance companies typically base discounts on the driver, policy, and vehicle. Most insurers allow you to bundle eligible discounts for the most significant savings. When shopping for insurance, compare discounts and rates. Every insurance company offers different discounts, and the discount amount also varies.

Common types of auto insurance discounts include safe driver, good student, multi-car, and occupational discounts. Many top insurance companies also offer usage-based discounts, which use telematics to monitor specific driving habits.

Use our free comparison tool below to see what auto insurance quotes look like in your area.

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