How to Get a Newer Vehicle Discount

Save up to 40% on your auto insurance rates with a newer vehicle discount. While many auto insurance companies offer the newer vehicle discount, most require that your car be no more than three years old. Save even more on your auto insurance with a newer vehicle discount by adding other discounts based on your car’s features, such as an electronic stability discount.

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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: Aug 6, 2021

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Things to Remember

  • A newer vehicle discount can save you up to 40% on your auto insurance
  • Many auto insurance companies offer a newer vehicle discount but requirements and discount amounts may be different
  • Save more money by taking advantage of other discounts based on your car, such as an anti-lock brakes discount

Car insurance discounts are an easy way to save on your rates. While some discounts are based on you as a driver, you can get other discounts just for the car you drive.

You can save up to 40% on your auto insurance rates with a newer vehicle discount, but savings will vary by company and your car can’t be very old.

Before you buy auto insurance with a newer vehicle discount, shop around and compare quotes to see which company can offer you the best deal based on the car you drive.

If you’ve just bought a new car, it’s a great time to see if you can save money on your auto insurance. Before learning more about newer vehicle discount, enter your ZIP code now to compare free quotes from auto insurance companies in your area.

What auto insurance companies offer a newer vehicle discount?

According to, most newer cars come with so many safety features, you might not even know they are all there.

Since newer cars tend to come with more safety features, auto insurance companies are more willing to offer discounts.

However, not all auto insurance companies offer you a discount if you have a newer car, and discount amounts can vary widely.

The requirements for the discount can also vary, but generally, your car must be under three years old to take advantage.

This table shows you which car insurance companies offer a newer vehicle discount. The amount of the discount is listed if it’s known.

Auto Insurance Companies with a Newer Vehicle Discount
CompanyNewer Vehicle Discount (%)
21st CenturyX
American FamilyN/A
Ameriprise (Connect)N/A
Country Financial10%
Liberty MutualN/A
Safe AutoX
State Farm40%
The GeneralN/A
The HanoverN/A
The Hartford3%
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Although you can find affordable auto insurance with a newer vehicle discount, auto insurance discount amounts can range from 3%-40%.

Shop around and compare discounts as well as rates to find the best deal for you. As you compare auto insurance quotes with a newer vehicle discount, see which company offers you the best discount.

How does your vehicle affect your auto insurance rates?

There are many different factors that affect auto insurance rates, such as your age, where you live, and your driving record.

The type of car you drive can also affect your rates. For example, if you drive an expensive sports car, it will cost more to repair or replace. This will increase your auto insurance rates.

On the other hand, if you drive a standard vehicle, your rates will be lower since costs will be lower.

Many newer cars today come with a plethora of safety features. If you have a newer car, auto insurance discounts to ask for include:

  • Adaptive cruise control
  • Adaptive headlights
  • Airbags
  • Anti-lock brakes
  • Anti-theft
  • Automatic seatbelts
  • Daytime running lights
  • Electronic stability control
  • Forward collision warning
  • Lane departure warning
  • Vehicle recovery

Although not every auto insurance company offers these discounts based on your vehicle, they can lower your rates and keep you safe at the same time.

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What are other ways to save on auto insurance?

You can save money on your auto insurance by raising your deductibles, lowering your coverage, and adding as many discounts to your policy as possible.

There are many different types of car insurance discounts out there. Some discounts are based on you as a driver and some are based on your vehicle.

Whether you are looking for a good driver discount, a low-mileage discount, or a new car discount, most auto insurance companies have something for everyone.

This table shows you the available auto insurance discounts for some of the best companies out there. If the amount of the discount is known, it is listed.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device / AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging / StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer / New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingxxxN/Ax$30x$233
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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As you add discounts to your auto insurance policy, there are some things to be aware of. Auto insurance rules will be different for each company and each state.

Discounts will vary by state and company, and you may have to ask for them. Don’t just assume that you will get a discount if you don’t specifically ask for it.

Also, discount amounts will vary, and they don’t always apply to your whole policy. Some discounts only apply to a specific part of your insurance, like your comprehensive coverage.

Newer Vehicle Discount: The Bottom Line

You can save up to 40% on your auto insurance with a newer vehicle discount, but discount amounts can vary greatly by company.

You can also take advantage of other discounts based on your newer vehicle, such as electronic stability control or adaptive cruise control discounts.

Since discount availability and amounts will be different at each company, shop around and compare quotes to find the best deal for you.

No matter if you have a newer vehicle or have had your car for a while, enter your ZIP code to compare auto insurance quotes from companies near you for free.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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