Geico Auto Insurance Discounts (2023)
Did you know Geico auto insurance discounts can save you up to 25%? Geico has a list of over 30 ways to save, such as a good student discount and an auto insurance military discount. Compare Geico auto insurance discounts vs. competitors to see if its auto insurance savings work with your budget.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Geico’s list of car insurance discounts is one of the longest of any company
- You can get a Geico car insurance student discount alongside savings for certain occupations, alumni groups, car safety features, and customer loyalty
- While offering discounts is important, it’s not the only thing that makes insurance affordable
One of the best ways to save on Geico auto insurance is to take advantage of the company’s discounts. So, when shopping for coverage, compare the number of auto insurance discounts each company offers.
Geico’s car insurance discount list is one of the longest, offering something for everyone, from a multi-vehicle auto insurance discount to the Geico low mileage discount and you can also check how to get a low mileage auto insurance discount. The company also partners with hundreds of employers, colleges, and organizations to provide Geico affiliation auto insurance discounts.
With low rates for most drivers and numerous auto insurance discounts, Geico is worth checking out if you need coverage. Learn more about the company by visiting our Geico auto insurance review page.
And keep reading to examine the Geico car insurance discounts list and compare discounts from other companies.
Geico Auto Insurance Discounts
As you know, Geico offers multiple auto insurance discounts for various circumstances, ranging from good student discounts to the Geico senior discount. Check out the table below to see the Geico car insurance discounts list with percentages:
| Type of Discount | Potential Percentage of Discounts | Category |
|---|---|---|
| Air Bag | 23% | Vehicle Equipment |
| Anti-Lock Brakes | 5% | Vehicle Equipment |
| Anti-Theft System | 23% | Vehicle Equipment |
| Daytime Running Lights | 3% | Vehicle Equipment |
| Good Driver | 22% (five years accident-free) | Driving History & Habits |
| Seat Belt Use | 15% (medical or PIP portion) | Driving History & Habits |
| Good Student | 15% | Driver's Education |
| Emergency Deployment | 25% | Driver Affiliation |
| Federal Employee (Eagle) | 12% | Driver Affiliation |
| Military | 15% | Driver Affiliation |
| Multi-Vehicle | 25% | Customer Loyalty |
| New Vehicle | 15% | Vehicle Equipment |
You can save 25% on coverage with the Geico multi-car insurance discount. Read on to compare Geico’s auto insurance discounts by certain categories.
Geico Auto Insurance Discounts for Drivers
Drivers can get discounts for various things, including safe driving behaviors, occupations, and driving course completion. Below is a list of discounts Geico offers to its policyholders:
- Good driver: You’ll see Geico auto insurance savings of up to 22% if you go five or more years without an accident. Learn more about how to get a good driver auto insurance discount.
- Good student: The Geico good student auto insurance discount is available for full-time students with a 3.5 GPA. Eligible drivers can earn up to 15% off their insurance.
- Defensive driver: Older drivers can earn a defensive driver auto insurance discount, a type of Geico senior discount, for three years if they take an approved defensive driving class. Read more about auto insurance for seniors.
- Distant student: Geico offers a discount on auto insurance for college students under 25 if they attend a school more than 100 miles from home. Stack this discount with Geico’s good student discount for even more savings.
- Federal employee (Eagle): Geico offers a discount of 12% for active and retired federal employees, known as its “Eagle” discount.
- Military: Geico offers cheap auto insurance for military and veterans. Active or retired military members can earn a Geico auto insurance military discount of 15%.
- Driver’s education: The driver’s ed auto insurance discount is for drivers under 21 who complete a driving course, making it an excellent Geico car insurance discount for students.
- Geico DriveEasy: To earn a good driver discount from Geico, you need to enroll in the DriveEasy program. Geico DriveEasy is the company’s monitoring app that rewards you for driving safely.
- Organizations and alumni: If you graduated from or attend an eligible school, you may qualify for a Geico affiliation car insurance discount. Speak with an insurance representative for a complete list of participating organizations and learn how to get an alumni auto insurance discount.
- Emergency deployment: As an additional Geico auto insurance military discount, the company offers savings of 25% for active military members on deployment.
- Memberships: You could qualify for a Geico affiliation car insurance discount if you’re a member of one or more of over 500 organizations affiliated with Geico.
Read more: Auto Insurance Discount for Alumni
If you have more than one driver on your policy, ensure they check for eligible discounts. If they’re on your policy, they can add extra discounts. You should also learn how to get a multi-vehicle auto insurance discount with Geico.
Geico Auto Insurance Discounts for Cars
Your vehicle type significantly affects your auto insurance rates. However, when it comes to Geico auto insurance discounts, your car can earn you Geico auto insurance savings.
Take a look at the Geico car insurance discounts list below to see how your vehicle can help you save money:
List of Discounts Description
Anti-lock Brakes Anti-lock brakes help restore traction to your tires in emergencies. Geico’s anti-lock brakes auto insurance discount can save you 5% on your premiums.
Air Bags You can save up to 23% on medical payments or personal injury protection auto insurance if your car has air bags.
Anti-theft Devices Cars with anti-theft devices get another 23% discount on the comprehensive policy.
Daytime Running Lights Earn a small discount of 3% if your car has running lights installed.
New Vehicle You’ll get a 15% new car auto insurance discount with Geico if your car is three years old or newer.
Seat Belt Use Using your seat belts every time you get into your car will earn you a Geico auto insurance discount on your personal injury protection or medical payments coverage.
Special Vehicles Geico offers discounts for non-standard cars like farm or utility vehicles.
The good news about discounts for your car is that Geico will automatically check for most of them during your application. When requesting a quote, you’ll probably have to answer a few questions about your car’s safety features.
Read More: How to Get an Anti-Theft Auto Insurance Discount
Geico Auto Insurance Policy Discounts
You don’t need special features or to be a college alumnus to get a discount on your insurance. You can earn Geico auto insurance discounts simply by being a good customer with the following options:
- Low mileage: The Geico low mileage auto insurance discount isn’t technically a discount, but people who drive 7,500 miles per year pay about 27% less than people who drive 15,000.
- Multi-car: You can earn the Geico multi-car insurance discount if you have more than one vehicle on your policy. If the car owner lives with you, you can add their vehicle to your policy.
- Family legacy: Geico rewards loyal drivers with auto insurance savings. Teens who branch off a parent or guardian’s policy earn a loyalty discount.
- Continuous coverage: Geico will give you a discount if you’ve had insurance for the last three years without interruption. The coverage doesn’t have to be with Geico.
- Early signing: You can earn this discount by paying for your new policy at least seven days before activation.
- Bundling: Geico sells motorcycle, homeowners, and life insurance. You can earn a bundling discount by buying multiple policies with Geico. Read more about how to save money by bundling insurance policies.
- Customer loyalty: With Geico’s customer loyalty auto insurance discount, the longer you’re with the company, the larger your discount will be.
As you can see, you can earn many of these discounts by just being a Geico customer.
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Geico Auto Insurance Discounts vs. Other Companies
While most companies offer discounts to help customers save money, the Geico car insurance discounts list is one of the longest vs. its competitors. To compare companies, look at the number of discounts the largest companies offer below:
Discount Name Allstate American Family Farmers Geico Liberty Mutual Nationwide Progressive State Farm Travelers USAA
Adaptive Cruise Control ✓ ✓ ✓ ✓ 5% ✓ ✓ ✓ ✓ ✓
Adaptive Headlights ✓ ✓ ✓ ✓ 5% ✓ ✓ ✓ ✓ ✓
Anti-lock Brakes 10% ✓ ✓ 5% 5% 5% ✓ 5%
Anti-Theft 10% ✓ 23% 20% 25% ✓ 15%
Claim Free 35% ✓ ✓ 26% ✓ 10% ✓ 15% 23% 12%
Continuous Coverage ✓ ✓ ✓ ✓ ✓ ✓ 15% ✓
Daytime Running Lights 2% ✓ 3% 5% 5% ✓ ✓
Defensive Driver 10% 10% ✓ ✓ 10% 5% 10% 5% 10% 3%
Distant Student 35% ✓ ✓ ✓ ✓ 10% ✓ 7%
Driver's Ed 10% ✓ ✓ ✓ 10% ✓ 10% 15% 8% 3%
Driving Device/App 20% 40% ✓ ✓ 30% 40% 20% 50% 30% 5%
Early Signing 10% ✓ ✓ ✓ ✓ 8% ✓ ✓ 10% 12%
Electronic Stability Control 2% ✓ ✓ ✓ 5% ✓ ✓ ✓ ✓
Emergency Deployment ✓ ✓ ✓ 25% ✓ ✓ ✓ ✓ ✓
Engaged Couple ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Family Legacy ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ 10%
Family Plan ✓ ✓ ✓ ✓ ✓ 25% ✓ ✓ ✓ ✓
Farm Vehicle 10% ✓ ✓ ✓ ✓ ✓ ✓ ✓
Fast 5 ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Federal Employee ✓ ✓ 12% 10% ✓ ✓ ✓ ✓
Forward Collision Warning ✓ ✓ ✓ ✓ 5% ✓ ✓ ✓ ✓
Full Payment 10% ✓ ✓ $50 ✓ ✓ ✓ 8% ✓
Further Education ✓ ✓ 10% 15% ✓ ✓
Garaging/Storing ✓ ✓ ✓ ✓ ✓ ✓ ✓ 90%
Good Credit ✓ ✓ ✓ ✓ ✓ ✓
Good Student 20% ✓ 15% 23% 10% ✓ 25% 8% 3%
Green Vehicle 10% ✓ 5% ✓ 10% ✓ ✓ ✓ 10% ✓
Homeowner ✓ ✓ ✓ ✓ 5% ✓ 3% 5% ✓
Lane Departure Warning ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Life Insurance ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Low Mileage ✓ ✓ ✓ 30%
Loyalty ✓ ✓ ✓ ✓ ✓ 5% ✓ ✓ ✓
Married ✓ ✓ ✓ ✓ ✓ ✓
Membership/Group ✓ ✓ ✓ 10% 7% ✓ ✓
Military ✓ ✓ 15% 4% ✓ ✓
Military Garaging ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ 15%
Multiple Drivers ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Multiple Policies 10% 29% ✓ 10% 20% 10% 12% 17% 13%
Multiple Vehicles ✓ ✓ 25% 10% 20% 10% 20% 8%
New Address ✓ ✓ ✓ ✓ 5% ✓ ✓ ✓ ✓ ✓
New Customer/New Plan ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
New Graduate ✓ ✓ ✓ ✓ 5% ✓ ✓ ✓ ✓ ✓
New Vehicle 30% ✓ ✓ 15% ✓ 40% 10% 12%
Newly Licensed ✓ ✓ ✓ ✓ 5% ✓ ✓ ✓ ✓ ✓
Newlyweds ✓ ✓ ✓ ✓ 5% ✓ ✓ ✓ ✓ ✓
Non-Smoker/Non-Drinker ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Occasional Operator ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Occupation ✓ 10% 15% ✓ ✓ ✓
On-Time Payments 5% ✓ ✓ ✓ ✓ ✓ ✓ 15% ✓
Online Shopper ✓ ✓ ✓ ✓ ✓ ✓ 7% ✓ ✓ ✓
Paperless Documents 10% ✓ ✓ ✓ 5% $50 ✓ ✓ ✓
Paperless/Auto Billing 5% ✓ ✓ ✓ $30 ✓ $20 3% 3%
Passive Restraint 30% 30% 40% 20% ✓ 40%
Recent Retirees ✓ ✓ ✓ ✓ 4% ✓ ✓ ✓ ✓ ✓
Renter ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Roadside Assistance ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Safe Driver 45% ✓ 15% ✓ 35% 31% 15% 23% 12%
Seat Belt Use ✓ ✓ ✓ 15% ✓ ✓ ✓ ✓ ✓
Senior Driver 10% ✓ ✓ ✓ ✓ ✓ ✓ ✓
Stable Residence ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Students & Alumni ✓ ✓ ✓ 10% 7% ✓ ✓ ✓
Switching Provider ✓ ✓ 10% ✓ ✓ ✓ ✓
Utility Vehicle 15% ✓ ✓ ✓ ✓ ✓ ✓ ✓
Vehicle Recovery 10% ✓ ✓ 15% 35% 25% ✓ 5%
VIN Etching ✓ ✓ ✓ ✓ 5% ✓ ✓
Volunteer ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Young Driver ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ $75
As you can see, while Geico offers one of the best discount lists, a few companies provide more. However, having a lot of discounts doesn’t necessarily mean low prices. For example, Allstate auto insurance offers a strong list of discounts but has the highest average rates.
Companies look at various factors that affect auto insurance rates, such as age, gender, location, credit score, coverage amount, and more. Geico’s car insurance discounts list can help you save, but these are the primary factors that impact your rates.
Explore Geico Auto Insurance Discounts to Unlock Savings
Getting discounts on your car insurance is an important part of finding affordable coverage, but it’s not the only puzzle piece. By examining the Geico car insurance discounts list, you can save up to 25% on your coverage, from affiliation discounts to Geico’s low mileage discount.
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While Geico usually receives great reviews, you should always compare companies. Shopping for prices is the best way to ensure you get the lowest rate possible.
Frequently Asked Questions
Can Geico discounts save you 15% or more on auto insurance?
Yes, Geico offers various auto insurance discounts of at least 15%, and some go as high as 25%. For example, you can save 25% on your policy with the Geico multi-car insurance discount, emergency deployment discount, or Geico DriveEasy.
Does Geico raise auto insurance rates after six months?
Generally, Geico evaluates auto insurance rates every six months when it’s time to renew a policy based on factors like driving history, claims, inflation, and mileage changes.
For instance, if you get a Geico low mileage discount but the company discovers you drive frequently, you might see higher rates when your policy renews. So, depending on your situation, your rates could increase or decrease after six months.
What is Geico’s DriveEasy auto insurance discount?
Geico DriveEasy is a usage-based auto insurance discount offering savings of up to 25% for safe drivers in 17 states. Using the Geico DriveEasy app, the program monitors driving behaviors like phone usage, speeding, hard braking, and cornering. You could also get a Geico low mileage discount if the program shows you don’t drive often.
Can Geico’s DriveEasy discount raise my auto insurance rates?
Yes, if you exhibit risky driving behavior while participating in Geico DriveEasy, your auto insurance discount could turn into higher rates.
Can you get a Geico senior auto insurance discount?
Geico’s car insurance discounts list offers various savings for senior drivers. Senior drivers could qualify for the Geico low mileage discount, defensive driver discount, and military discount.
Can I combine multiple discounts for additional savings?
Yes, Geico allows customers to stack multiple discounts, which means you can combine eligible discounts to maximize your savings. For example, if you qualify for both the Geico good driver discount and the multi-vehicle discount, you can apply both to your policy, resulting in a greater overall discount.
Do Geico discounts apply to all types of coverage?
Geico discounts generally apply to various types of auto insurance coverage offered by the company, including liability coverage, collision coverage, comprehensive coverage, and more. However, it’s important to review the specific terms and conditions of each Geico auto insurance discount to understand if there are any limitations or exclusions regarding the type of coverage to which the discount applies.
Can I get a discount for bundling auto insurance with other policies?
Yes, Geico offers a discount known as the multi-policy discount for customers who bundle their auto insurance with other policies, such as homeowners or renters insurance. Bundling policies with Geico can lead to additional savings on your premiums.
What documents or proof do I need to provide to claim a Geico insurance discount?
The documentation or proof required to claim a Geico auto insurance discount may vary depending on the specific discount. Geico may request documents such as your driving record, proof of good grades, proof of membership in a qualifying organization, or documentation of safety features installed in your vehicle.
When applying for a discount, it’s best to check Geico’s guidelines or consult with their customer service to understand the necessary documentation for each discount.
Can I add a discount to my existing Geico auto insurance policy?
Yes, if you discover that you’re eligible for an auto insurance discount after purchasing a Geico policy, you can usually add the discount to your existing policy. Contact Geico’s customer service and provide them with the necessary information or documentation to apply the discount to your policy.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.