Car Insurance Discounts - Save Money on Auto Insurance

Car Insurance Discounts - Save Money on Auto Insurance

How to Get Car Insurance Discounts

See how much you could save on GEICO's already affordable car insurance. New policyholders report an average annual savings of over $900*, and you may qualify for additional discounts or premium reductions on your new or existing GEICO auto policy.

We offer exclusive discounts and premium reductions based on:

If you have questions about car insurance discounts or want more information on how GEICO can help you save money on auto insurance, we’re here to help. Get an online car insurance quote to see potential savings, or call contact us at (800) 861-8380, or chat with our customer support representatives via geico.com or through our mobile app.

You can also check out the motorcycle insurance discounts we offer.

Car Insurance Discounts Available with GEICO

Discount Name *Max. Potential Savings Discount Category
Clean Driving Record Up to 22% Driving History & Habits
DriveEasy® Typically, between 5 - 15% Driving History & Habits
Defensive Driving Varies Driver's Education
Driver Training Course Varies Driver's Education
Good Student Up to 15% Driver's Education
Student Away at School Varies Driver's Education
Deployed Driver Up to 25% Driver Affiliation
Multi-Vehicle Up to 25% Policy Discount
Multi-Policy (Multi-line) Varies Policy Discount
Homeownership Varies Policy Discount
Early Shopper Varies Policy Discount
Online Quote Varies Policy Discount
Paperless Varies Policy Discount
Paid In Full Varies Policy Discount
Auto Pay Varies Policy Discount

* Discounts are state and fact specific and are not available in all situations.

What are the Best ways to get car insurance discounts?

Vehicle Equipment Discounts

You can earn auto insurance discounts by driving a vehicle equipped with safety features. Systems like anti-lock brakes, airbags, and collision avoidance help prevent accidents and can lower your policy premiums.

Anti-Lock Braking System Discount

Does your car have a factory installed anti-lock braking system? Congrats! You could receive a 5% discount on certain car insurance coverages.

Discounts for Driving History and Habits

Be a safe driver: GEICO rewards safe drivers with lower premiums to encourage safe driving habits.

Clean Driving Record Discount

Depending on the state you live in, a clean driving record may make you eligible for a car insurance discount. If you've been accident-free for at least one year you may be able to save up to 22% on most GEICO coverages. Your discount depends on your driving record and insurance history.

DriveEasy® Discount

DriveEasy® uses your phone to automatically gauge your driving. It will analyze factors such as how hard you brake, how fast you go around corners, and how often you use your phone to calculate a safe driving score – but not while you’re driving!!!. Drive safer. Score better. Lower rates (and leave that phone in your pocket). You can enroll in Drive Easy through the GEICO mobile app.

Driver's Education Discounts

Driver Training Discount

If you are a senior or over 55, you may qualify for discounts by voluntarily completing an approved driver's education course.

Good Student Discount

If you're a student, make sure you have good grades: GEICO rewards responsible studends who have good grades with lower premiums. Full-time students with a good academic record could get up to a 15% discount on certain coverages.


Student Away at School Discount

Driver's who reside away from their household to attend school full-time can save even more on some coverages - as long as, they don't have regular access to a covered vehicle.

Driver Affiliation Discounts

Deployed Driver Discount

A discount will be applied to each rated driver deployed overseas due to military service or occupational requirements. For a pre-deployment checklist please see our military programs page.

Auto Insurance Policy Discounts

Multi-Vehicle Discount

Insure more than one car with GEICO and you could get a discount of up to 25% on most of your car insurance coverages.

Multi-Policy (Multi-line) Discount

To get a multi-policy discount, simply bundle your auto coverage with your other insurance policies like home or renters insurance. 

Homeownership Discount

Depending on the state you live in, if you own a home, you could be eligible for a discount on your policy just for being a homeowner.

Early Shopper Discount

You could get an extra discount for being extra prepared, depending on which state you live in. If you get a new policy from GEICO before your existing policy expires, you may qualify for a discount. The more in advance you buy, the higher discount you could get.

Online Insurance Quote Discount

You could get a discount just for shopping online. Start your quote online and you can qualify for a discount when you purchase a policy, depending on the state you live in.

Paperless Discount

In addition to getting your bill and paperwork faster and more conveniently, going paperless could get you a serious discount on your premiums, depending on the state you live in.

Paid in Full Discount

Save more just by paying your premiums. You could get a discount on your policy when you choose to pay down your premium in full when you purchase.

Auto Pay Discount

Sign up for Auto Pay and you could get a discount on your car insurance, depending on which state you live in. And you won't have to remember to pay your premium every month either.

More Ways to Lower Your Car Insurance Rate

Consider a Higher Deductible

Choosing a higher deductible could lower your premium. If you’re comfortable paying more out of pocket in the event of a claim, adjusting your deductible is an easy way to reduce your monthly cost.

Maintain a Good Credit History

Good credit can help you qualify for a lower rate. Building and maintaining strong credit habits – like paying bills on time – may help you save on your auto insurance.

Review Coverage for Older or Lower-Value Vehicles

If you drive an older car or a vehicle that’s less expensive to insure, you may be able to adjust certain coverages. Reviewing your policy regularly ensures you’re not paying for more coverage than you need.

Update Your Mileage or Driving Habits

If you’re driving less these days, you might be eligible for a lower rate. Updating your annual mileage or work-from-home status can sometimes reduce your premium.

Keep Your Policy Updated

Major life changes, like moving, changing jobs, or adding drivers, can affect your premium. Keeping your information up to date ensures your rate reflects your current situation and may unlock additional savings.

Additional Car Insurance Savings Resources

Affordable car insurance is a few minutes away. We're here for you. Get an auto insurance quote or call and see how we can help you save even more.

FAQs About GEICO’s Auto Insurance Discounts

  • What are the best ways to get car insurance discounts?
    • The biggest opportunities to save generally come from combining discounts across several categories. You may qualify by driving safely, insuring multiple vehicles, bundling your auto policy with home or renters insurance, maintaining good grades as a student, or choosing convenient options like paperless billing or Auto Pay. Vehicle-based discounts—such as air bags—can help lower your rate as well. Checking all eligible categories is the best way to maximize your savings.
  • What is the biggest car insurance discount available?
    • Discount amounts vary depending on where you live and the coverages you select, but some of GEICO’s largest potential discounts include multi-vehicle discounts, deployed driver savings, and certain vehicle equipment discounts. Because eligibility varies by driver and policy, the biggest discount for you will depend on your personal profile and the features of your vehicle.
  • Can I combine multiple car insurance discounts?
    • Yes. Many GEICO discounts can be combined, and stacking them may significantly reduce your premium. For example, you could qualify for savings through safe driving habits, vehicle safety features, multi-policy discounts, good student status, or paperless enrollment—all on the same policy if eligible. The more categories you qualify for, the more you may save.
  • How do I apply these discounts to my policy?
    • Most discounts are automatically applied when you request a quote or update your policy information. Simply provide accurate details about your driving history, vehicle features, affiliations, and household drivers. You can review available discounts online, in the GEICO Mobile app, or by contacting a GEICO representative. Any eligible discounts will be added once verified.

Information current as of November 2025

Some discounts, coverages, payment plans, and features are not available in all states or all GEICO companies. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York a premium reduction is available for affiliated groups. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations.

GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products.

Homeowners, renters, condo, co-op, life, boat, PWC, flood, mobile home, identity protection and snowmobile coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.