Car Insurance Discounts & Auto Premium Reductions

Information on Auto Insurance Discounts With GEICO

You could save with car insurance discounts and special premium reductions from GEICO. With a wide variety of discounts available, see how much you could save on an affordable car insurance policy.

You may already be planning how you'll use all that money you could be saving with your GEICO policy. But wait—you could save even more with our exclusive discounts and premium reductions on car insurance, motorcycle insurance, and more. Every dollar counts, so check out our auto insurance discounts based on:

Need help figuring out how many of our car insurance discounts apply to you? We're here to help. Just get an online car insurance quote to see the savings. Or, if you prefer that human touch, call us at (800) 861-8380 and let one of our insurance professionals explain all of the car insurance discounts and other savings you'll enjoy with GEICO.

GEICO Car Insurance Discounts List

Discount Name Potential Savings Discount Category
Air Bag 25% (driver side), 40% (full-front seat) Vehicle Equipment
Anti-Lock Brakes 5% Vehicle Equipment
Anti-Theft System 25% Vehicle Equipment
Daytime Running Lights 1% Vehicle Equipment
Good Driver 26% (five years accident-free) Driving History & Habits
Seat Belt Use 15% (medical or PIP portion) Driving History & Habits
Defensive Driving Varies Driver's Education
Driver's Educational Course Varies Driver's Education
Good Student 15% Driver's Education
Emergency Deployment 25% Driver Affiliation
Federal Employee (Eagle) 8% Driver Affiliation
Membership & Employee Varies Driver Affiliation
Military 15% Driver Affiliation
Multi-Vehicle 25% Customer Loyalty
Multi-Policy Varies Customer Loyalty

Vehicle Equipment Discounts

Air Bag

You could save up to 25% for driver-side air bags or 40% for full-front seat air bags. These discounts apply to the medical payments or personal injury portion of your car insurance premium.

Anti-Lock Brakes

Does your car have a factory installed anti-lock braking system? Congrats! You could receive a 5% discount on the collision portion of your premium.

Anti-Theft System

Cars with a built-in anti-theft system could earn you a discount of up to 25% on the comprehensive portion of your premium.

Daytime Running Lights

Vehicles equipped with Daytime Running Lights as standard equipment could earn you a 1% discount on certain car insurance coverages.

Discounts for Driving History & Habits

Five-Year Accident-Free Good Driver

Got a squeaky-clean driving record? It could translate into serious car insurance discounts. If you've been accident-free for five years, you may be able to save up to 26% on most coverages.

Seat Belt Use

Buckle up and drive down your rate. If you and your passengers always wear seat belts, you could receive a discount of up to 15% off the medical payments or personal injury protection portion of your premium.

Driver's Education Discounts

Defensive Driving

If you've completed a defensive driving course, you may be able to save even more on your premium. To find out if you qualify for this auto insurance discount, see the defensive driving information related to your state.

Driver's Education

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

Good Student

Full-time students with a good academic record could be eligible for up to a 15% discount on certain coverages. (In most states, policyholders between the ages of 16 and 24, who are full-time students with a "B" average or better, are eligible for this discount.)

Driver Affiliation Discounts

Emergency Deployment

We consider it an honor to offer a special benefit to United States military policyholders. If you are part of an emergency deployment to an imminent danger zone, you could also be eligible for an auto insurance discount of up to 25%. For a pre-deployment checklist please see our military programs page.

Federal Employee (Eagle Discount)

If you're an active or retired federal employee, you could qualify for the eagle discount of up to 8% 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

GEICO is proud to give something back to the Americans who give so much to their country. If you're on active duty, retired from the military, or a member of the National Guard or Reserves, you may be eligible for a discount of up to 15% on your total car insurance premium.

Customer Loyalty Discounts

Multi-Vehicle

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

When you insure your car through GEICO and have a Homeowners, Renters, Condo or Mobile Home policy through the GEICO Insurance Agency, you could get a discount on your car insurance.

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

Information current as of July 2019

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, Inc.