How to Get a Membership and Group Discount

If you’re part of a group, organization, club, or union, you can earn a membership and group discount through some auto insurance providers. Currently, 12 major companies offer affordable membership and group discount auto insurance to university alumni and teachers, union members, and even AAA and Costco memberships. On average, expect to save 12% with membership and group discount auto insurance rates.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 30, 2021

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Things to Remember

  • Currently, 12 national auto insurance companies offer membership and group discounts to drivers
  • Customers save an average of 12% on their annual premiums with this discount
  • While qualification rules vary, thousands of groups and memberships are eligible to earn savings

If you’re a member of a professional group, membership, union, alumni association, or other organization, you might be eligible for membership and group discounts on your auto policy.

Drivers save an average of 12% on their annual premiums by enrolling in membership discount programs. But eligibility rules and savings amount vary from one provider to the next.

Currently, 12 national auto insurance companies offer reduced group pricing on auto insurance policies for members of certain clubs and organizations.

Keep reading to learn how to take advantage of group auto insurance discounts and secure your lowest possible premiums, regardless of your age, driving record, and coverage needs.

After learning where to buy membership and group discount auto insurance, be sure to enter your ZIP code into our free rate tool above to compare auto insurance quotes from the leading companies in your region.

How do you qualify for a membership or group discount on auto insurance?

The easiest way to know if you qualify for a membership discount on your auto policy is to ask a company representative or agent directly.

In fact, you must inform your insurance company about groups you are a part of to earn the discount. Otherwise, your provider has no way of knowing what organizations you’re part of and assumes you do not qualify.

The most common groups that receive membership auto insurance discounts include:

  • Military organizations
  • Employers and unions
  • Vocational organizations
  • Credit unions
  • AARP and other retirement groups
  • Wholesale clubs
  • Recreational organizations
  • Undergraduate/graduate alumni organizations
  • Fraternities or sororities
  • Honor societies

According to the U.S. Bureau of Labor Statistics, nearly 11% of all hourly and salaried employees in America are union members. Beyond that, Costco reported having 105.5 million members in 2020, so it’s likely you’re a member of some club or organization that qualifies for this discount.

If you are struggling to determine if you personally are a member of any groups or organizations, never hesitate to ask.

Some groups cost you money to join, including Costco, BJ’s Wholesale Club, AAA, and AARP. If you pay for these services, you’re a member and earn all available discounts.

You might also consider speaking to your employer about workplace benefit discounts as well, primarily if you work for the government. Common government employee groups eligible for membership car insurance discounts include:

  • Federal Law Enforcement Officers Association
  • Federal Managers Association
  • Federal Physicians Association
  • National Federation of Federal Employees

After you determine what clubs you are part of, reach out to the organization and ask what discounts are available. A representative should inform you of any businesses, stores, insurance programs, and travel companies that honor your group discount.

You can also request your favorite stores, restaurants, and more that aren’t currently participating in affinity programs to partner with your association or organization.

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What auto insurance companies offer a membership and group discount?

Investing in membership organizations like AAA, AARP, and even Costco can help the average person save hundreds of dollars annually on various goods and services. Fortunately, that includes auto insurance.

If you’re looking for an affordable membership and group discount auto insurance company, you have 12 national insurers to compare.

Take a look at a complete list below, and determine if your current provider offers this discount:

You should expect eligibility requirements and savings amounts to vary by provider. This means the specific groups you’re part of may not qualify for discounts with every insurance company.

For example, with AAA Insurance, only AAA members earn the value. With The Hartford, only company employees and AARP members receive a discount, and at Ameriprise, only those partnered with Costco are eligible for up to 15% off their rates, automatic renewal, and free roadside assistance

However, other auto insurance providers, including GEICO, Liberty Mutual, Nationwide, and MetLife, offer thousands of groups, credit unions, employers, schools, and associations opportunities to save money on car insurance.

Know that it’s also possible for local companies in your region to extend group discounts as well, and you aren’t limited to the companies on this list. It’s also important to know that the insurance company offering the most substantial membership discount might not be the one providing you with the cheapest auto insurance quotes.

Many other factors besides discount eligibility impact your insurance premiums, including your age, driving record, and coverage needs also influence your annual auto insurance costs. Auto insurance laws and policies also vary by state, so not every deal is available in every ZIP code.

To secure your lowest possible rates, compare quotes online from multiple insurers and ask about additional auto insurance discounts you might earn. You’ll likely find that your specific memberships lead to different levels of savings from the various insurance companies, so pick the one that is most compatible with your unique needs and budget.

What memberships and groups offer the best auto insurance discounts?

Now that you know what auto insurance companies offer group and membership discounts, let’s uncover the clubs and organizations that reward members with the most substantial auto insurance savings:

  • USAA: Technically an insurance company with no actual group discount, only military personnel and their families are eligible to use this company. USAA is known for lower than average insurance rates and is consistently rated one of the top companies in the country.
  • AAA: Investing in a AAA membership leads to travel discounts, an AAA auto insurance discount, roadside assistance packages, and more. One of the most popular clubs in the country, the deals are regional and vary by location. Membership costs between $40 to $170 annually.
  • Costco: A wholesale grocery store with reduced prices on food and goods, Costco partnered with Ameriprise to offer affordable auto insurance to members. Standard membership costs $60 annually; Executive membership costs $120 annually.
  • AARP: The American Association for Retired Persons partnered with The Hartford to offer cheap rates for drivers older than 50. While some benefits are restricted by age, anyone can join AARP. Membership costs $12 to $16 annually.
  • BJ’s Wholesale Club: Another wholesale grocery store offering reduced rates on goods and services, this company partnered with GEICO to offer cheaper rates to cardholders. Membership costs $55 to $110 annually.

If you are part of an alumni association, fraternity, or sorority, you can save money on your auto insurance through providers like GEICO, Allstate, and Nationwide.

Certain occupations are also more likely to earn discounts than others, including soldiers, police officers, firefighters, doctors and nurses, first responders, teachers, and government employees.

What products and services offer group and membership discounts?

If cheaper auto insurance rates are not enough to entice you to join a club or membership, perhaps other deals will draw you in.

It is common to receive group or membership discounts on more than just auto insurance, including auto warranties, vehicle loans, roadside assistance packages, car parts, accessories, and even discounted tires.

Besides your vehicles, you can even save money on:

  • Entertainment: Theme parks, events, movie tickets, video games, books, and magazines
  • Financial Services: Credit cards, home loans and refinancing, ID monitoring and protection, and personals loans
  • Health Services: Dental and vision care discounts, makeup and cosmetics, weight management and diet, meal delivery plans, and health insurance
  • Home Services: Internet and cable services, furniture deals, junk removal, kitchen and houseware goods, pet or lawn care, appliances, and HVAC services
  • Other Insurances: Health, home, renters, medicare or supplemental medical insurance, and pet insurance

While it takes effort to ask about your membership discount whenever you make a purchase, it can lead to substantial savings.

What is a membership and group discount on auto insurance?

Memberships, clubs, and organizations exist throughout the country. Many people become club members by choice, but other times it might be an employment benefit. But what is group discount insurance?

Typically, insurance providers create contracts or deals with organizations, unions, and colleges or universities to create incentives for future and current members.

Membership or group discount auto insurance is a way for providers to gain more business through large professional networks.

It’s a win-win situation for all parties involved. The insurance provider gets more customers, the organization or club gains more members, and you earn discounts and deals.

Even high-risk drivers, who typically pay higher-than-average insurance rates, can get this discount. That means drivers with poor credit or rocky driving records and teen drivers can benefit from a membership discount on auto insurance.

While the average affinity program auto insurance savings is 12% annually, club members usually receive more benefits than just cheaper premiums.

For example, if you join a wholesale club, like BJ’s Wholesale Club or Costco, you’ll also gain wholesale pricing on food and goods. In addition, AAA members have access to roadside assistance and free towing.

Travel, electronics, financial planning, and other services are also commonly discounted for members of various clubs, groups, and unions.

Do membership and group discounts really help save money?

You would be surprised how much money you can save by taking advantage of the available discounts through a club, union, organization, or other affinity programs.

For example, studies suggest a wholesale club membership saves you around 10% every time you shop compared to big-box retailers. Discounts like that can quickly add up over time.

Some groups use special designations to help customers take advantage of available savings, like the AAA Diagmon program:

Typically, membership discounts are not automatic. Sometimes the deals are only applied when you ask for them, as is the case with membership or group discount auto insurance rates.

You must inform your insurance provider about the groups you’re part of, or else there is no way to know you qualify for the savings.

You can save money on travel, entertainment, goods and services, restaurants, financial planning, insurance, personal care, pet care, health and fitness, and more.

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Membership and Group Discount on Auto Insurance: The Bottom Line

If you’re a member of an organization, club, union, or another group, it’s worth asking your insurance provider if you qualify for a group or membership discount on car insurance.

Affinity and group discounts are a great way to quickly reduce your auto insurance rates, even if you’re a high-risk driver.

Of course, you can also stack this deal with other saving opportunities. But you have to ask to receive the rate reduction. Other standard auto insurance discounts to ask about include:

  • Occupational discounts
  • Government employee discounts
  • Military discounts
  • Garaging/storing discounts
  • Pay-in-full discounts
  • Multi-policy discounts
  • Multi-car discounts

Wholesale club cardholders, government employees, union members, alumni associations, and more have the opportunity to earn membership discounts on auto insurance.

But beyond insurance discounts, you’ll also receive the membership benefits associated with whatever organization you joined. So make it worth your while and take full advantage of as many savings opportunities as you can.

Now that you have compared affordable membership and group discount auto insurance rates and details, find the best coverage for you by entering your ZIP code into our free quote tool below.

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