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. GEICO offers 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 the savings, or call us at (800) 861-8380, you can chat with us at 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
Restraint Device 23% Vehicle Equipment
Anti-Lock Brakes 5% Vehicle Equipment
Anti-Theft System 23% Vehicle Equipment
Daytime Running Lights 3% Vehicle Equipment
New Vehicle 15% Vehicle Equipment
Clean Driving Record 22% Driving History & Habits
Drive Easy 5 - 15% Driving History & Habits
Defensive Driving Varies Driver's Education
Driver Training Course Varies Driver's Education
Good Student 15% Driver's Education
Student Away at School Varies Driver's Education
Deployed Driver 25% Driver Affiliation
Federal Employee (Eagle) 12% Driver Affiliation
Membership & Employee Varies Driver Affiliation
Military 15% Driver Affiliation
Multi-Vehicle 25% Policy Discount
Multi-Policy (Multi-line) Varies Policy Discount
Homeownership Varies Policy Discount
Early Shopper Varies Policy Discount
Internet Quote Varies Policy Discount
Paperless Varies Policy Discount
Paid In Full Varies Policy Discount
Auto Pay Varies Policy Discount

What are the Best ways to get car insurance discounts?

Vehicle Equipment Discounts

Buy a vehicle with extra safety features. Extra safety features, such as anti-lock brakes, airbags, and advanced collision avoidance systems, reduce the risk of accidents and injuries and lower policy premiums.

Restraint Device Discount

You could save up to 23% if your vehicle has air bags, seat belts and/or passive restraint systems. These discounts apply to the medical payments or personal injury portion of your car insurance.

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.

Anti-Theft System Discount

Cars with a built-in anti-theft system could earn you a discount of up to 23% on the comprehensive portion of your premium.

Daytime Running Lights Discount

Vehicles equipped with daytime running lights as standard equipment could earn you a 3% discount on certain car insurance coverages.

New Vehicle Discount

New vehicles 3 model years old or newer could earn you up to a 15% 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

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.

Drive Easy Discount

Install a telematics device: DriveEasy uses your phone to autmatically guage 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. Drive safer, score better, save more (and leave that phone in your pocket).

Driver's Education Discounts

Defensive Driving Discount

If you've completed a defensive driving course, you may be able to save more. Find out if you qualify for this auto insurance discount on our defensive driving information page by state.

Driver Training Discount

If a young driver in your family has completed a driver's education course, you may earn a discount on most coverages.

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.

Federal Employee Discount (Eagle Discount)

If you're an active or retired federal employee, you could qualify for the Eagle Discount of up to 12% on the total auto insurance premium. For details and eligibility, check out the Eagle Discount (available in most states).

Membership and Employee Discounts

If you belong to one of the 500+ groups listed here, you could receive an additional discount on your auto insurance premium.

Military Discount

GEICO is proud to give back to the ones who give so much to their country. Active duty, retired from the military, or members of the National Guard or Reserves may be eligible for a discount of up to 15% on certain car insurance coverages.

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

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. 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.

Internet 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.

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 too.

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

Sometimes it pays to choose convenience. Sign up for Auto Pay and you could get a discount on your policy, and you won't have to remember to pay you premium every month either. 

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.

Information current as of July 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.