Best Car Insurance Discounts in 2025 (Save up to 30% With These Companies)
Progressive, Allstate, and State Farm offer the best car insurance discounts, with savings up to 30% through safe driver, Drivewise, good student, and bundling programs. Progressive leads in usage-based savings, Allstate rewards bundling, and State Farm excels with student and safe driver perks.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 5, 2025
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jul 5, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The best car insurance discounts comes from Progressive, Allstate, and State Farm, with savings of up to 30%. Progressive excels with usage-based savings.
State Farm is the top pick overall for its low rates, strong customer service, and top discounts for safe drivers and students.
Our Top 10 Company Picks: Best Car Insurance Discounts
| Discount | Rank | Savings Potential | Who Qualifies? | Top Provider for Discount |
|---|---|---|---|---|
| Safe Driver | #1 | 30% | Safe drivers with no recent accidents or violations |  |
| Drivewise Program | #2 | 25% | Drivers who participate in Allstate’s Drivewise program |  |
| Good Student | #3 | 20% | Full-time students under 25 with a B average or higher |  |
| Loyalty | #4 | 20% | Drivers insured with the same provider for 2+ years |  |
| SmartRide Program | #5 | 15% | Drivers enrolled in Nationwide’s SmartRide telematics program |  |
| Military | #6 | 15% | Active duty military, veterans, and their families |  |
| Bundling | #7 | 14% | Drivers bundling auto with home, renters, or condo insurance |  |
| Low Mileage | #8 | 12% | Drivers who drive fewer than 7,500–10,000 miles annually |  |
| Safe Driving Record | #9 | 10% | Drivers with a long history of safe, violation-free driving |  |
| Snapshot App | #10 | 10% | Drivers using usage-based apps for rate monitoring |  |
Allstate Drivewise review highlights strong bundling and driver rewards. State Farm offers its low rates, strong customer service, and top discounts for safe drivers and students.
These providers offer top value across key factors and can help drivers maximize savings based on their habits and coverage needs.
- Progressive offers the best car insurance discounts, with savings up to 30%
- Safe driver and bundling discounts are key ways to maximize savings
- Each company provides customized discounts based on your driving habits
Looking for the best car insurance company? Just enter your ZIP code to compare options and find the right coverage for you.
Top Car Insurance Discounts by Provider and Savings
This breakdown compares top car insurance providers by their available discounts. From safe driving and telematics programs to student status and bundling, each percentage shows how much policyholders can save with the right qualifications.
Top Car Insurance Discounts by Provider & Savings
| Company | Safe Driver | Drivewise Program | Good Student | Bundling |
|---|---|---|---|---|
| 20% | 10% | 35% | 17% |
 | 20% | 10% | 15% | 20% |
 | 20% | 12% | 12% | 25% |
| 18% | 22% | 22% | 25% |
| 17% | 8% | 8% | 13% |
 | 18% | 20% | 20% | 25% |
| 12% | 18% | 18% | 20% |
 | 10% | 10% | 10% | 15% |
 | 10% | 10% | 10% | 10% |
| 8% | 12% | 12% | 5% |
State Farm offers the highest Good Student discount at 35%, while Allstate and American Family provide strong savings across categories. Use this table to identify the best car insurance discounts to ask about when comparing providers.
Scott W. Johnson Licensed Insurance Agent
Each provider offers a unique mix of discounts based on driving habits, policy choices, and personal factors—knowing what to look for can help you unlock the biggest savings.
Safe Driver Discount
The best car insurance discounts vary by provider, but safe driver savings are among the most valuable. The best safe driver car insurance discounts come from State Farm, Farmers, and Liberty Mutual, each offering up to 20% off.
Allstate and American Family follow with 18%, while Travelers and Nationwide offer 17% and 12%, respectively. Progressive, Safeco, and The Hartford provide smaller safe driver savings, ranging from 10% to 8%.
Drivewise Program Discount
One of the best car insurance discounts out there is the Drivewise program. It uses a mobile app to track how you drive—things like smooth braking, steady speeds, and avoiding late-night trips.
The better you drive, the more you can save. It’s a simple way to cut costs, and when you’re looking at different types of car insurance coverage, adding a program like Drivewise can make a real difference.
Good Student Discount
The Good Student Discount is one of the best car insurance discounts for young drivers. If you’re in high school or college and keeping a B average or better, a lot of insurance companies will cut you a break on your rates.
The thinking is pretty simple—if you’re responsible in the classroom, you’re probably responsible behind the wheel too. It’s a great way to save, especially since younger drivers usually end up paying more for coverage.
For more information, read our comprehensive articles below:
- Good Student Car Insurance Discount
- Best Car Insurance for 21-Year-Old Drivers
- Best Car Insurance for College Students
Bundling Discount
The Bundling Discount is one of the best car insurance discounts you can take advantage of. It allows you to combine multiple policies, like auto, home, or renters insurance, with the same provider, which can lead to big savings, often between 10% and 25%.
It’s a smart way to cut costs while keeping everything in one place for convenience. If you’re already juggling separate policies, bundling them is a simple move that could lower your insurance bill and make managing coverage a whole lot easier.
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Monthly Car Insurance Costs Compared by Coverage Level
This table breaks down average monthly car insurance rates from major providers, comparing costs for minimum and full coverage. It’s a quick way to see how pricing changes based on coverage level and insurer.
Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $62 | $166 |
| $76 | $198 |
| $96 | $248 |
| $63 | $164 |
| $56 | $150 |
| $38 | $101 |
| $47 | $123 |
| $61 | $161 |
| $53 | $141 |
Monthly premiums vary quite a bit—Safeco offers the lowest rate for minimum coverage at $38, while Liberty Mutual tops the list for full coverage at $248. These differences highlight the importance of comparing providers, not just by name but by what they charge for the level of protection you need.
aking the time to review these rates is a key part of understanding your car insurance and making sure you’re not overpaying for the protection that works for your lifestyle and spending plan.
Simple Ways to Save on Car Insurance
Everyone talks about bundling or being a safe driver, but if you’re looking for other ways to save on car insurance, there are some really practical tips that people often overlook.
Whether you’re insured with State Farm, Progressive, or Allstate—three companies known for offering some of the best car insurance discounts—these small changes can go a long way toward cutting your costs.
- Use Telematics Programs: Signing up for apps like Drivewise or Snapshot lets your insurer track your driving. If you’re a safe driver, it’s an easy way to earn extra savings just by doing what you already do.
- Remove Unnecessary Add-Ons: A lot of us forget we’re paying for extras like roadside assistance or rental coverage when we might already have it through a credit card or membership. Taking a closer look can save you a few bucks each month.
- Improve Your Credit Score: It might sound unrelated, but your credit score can actually affect your insurance rate. Keeping it in good shape could help you qualify for better pricing, especially with companies like State Farm.
- Update Your Annual Mileage: If you’re driving less—maybe you work from home now or your routine has changed—let your insurer know. Lower mileage can mean lower risk, and that usually leads to lower premiums.
- Take a Defensive Driving Course: You don’t need a ticket to do one. You can get a discount with many insurers for taking a course voluntarily, and there’s no harm in refreshing your knowledge of driving.
You don’t have to reinvent your life to save money on car insurance. So much of the time, it’s just tiny, tiny, minute things for it to be like, let me be sure that you do all of these things you didn’t think of, like raising your deductible.
Whether that’s changing your coverage, driving just a couple of fewer miles, or even asking about what discounts are available to you, it will take only a few minutes of your time to save some major cash.
And insurance companies like State Farm, Progressive, and Allstate have made it simpler than ever. So, take a few minutes, review your policy, and see where you can save—it might surprise you how much you’re able to cut back just by staying a little more in the know.
Maximize Your Discounts
Saving on your policy is all about knowing where to look. From discount insurance options to specific programs like the Allstate first responder discount, there are plenty of ways to cut costs that many people overlook.
Jeff Root Licensed Life Insurance Agent
As you compare car insurance quotes, don’t forget to ask about lesser-known perks, whether it’s a car insurance loyalty discount, mileage-based car insurance, or other auto insurance discounts to ask for. A few simple questions could lead to big savings and make sure you’re not leaving money on the table.
Ready to score a great deal on car insurance? Just pop in your ZIP code on our free quote tool, and we’ll show you the most affordable options around.
Frequently Asked Questions
Can I still get the best car insurance discounts if I’ve had a recent claim or accident?
You might lose eligibility for safe driver savings temporarily, but you can still qualify for other discounts like bundling or good student programs. For example, bundling your policies with Allstate could still save you up to 25%.
Do part-time or gig economy drivers qualify for the best car insurance discounts?
Yes, drivers who log fewer miles may benefit from telematics-based programs like Drivewise, which can offer up to 22% in savings for consistent safe driving behavior. To find the best liability-only car insurance for your needs, just enter your ZIP code into our free quote comparison tool to get started.
Are there the best car insurance discounts specifically for military members or veterans?
Some insurers offer exclusive benefits, including the best car insurance discounts for disabled veterans, while others may not have military-specific programs but still provide solid savings through bundling, safe driving, or loyalty discounts.
What are the best car insurance discounts available for seniors or retirees?
Seniors with clean driving records often qualify for safe driver discounts of up to 20%, along with potential savings for completing mature driver safety courses.
Are eco-friendly or electric vehicles eligible for the best car insurance discounts?
Yes, some insurers offer lower rates for eco-friendly cars, especially when paired with safe driver discounts or bundling, which can help reduce the cost of insuring newer, more advanced vehicles.
Can I get the best car insurance discounts if my car is leased or financed?
Yes, even if you’re required to carry full coverage, you can still qualify for discounts like Drivewise, good student, and bundling to help lower your premium—just keep in mind that choosing a higher deductible vs premium can also affect how much you pay upfront each month.
Do insurance companies offer the best car insurance discounts for vehicles with advanced safety tech like lane assist or auto braking?
Absolutely. Vehicles with advanced safety features often qualify for lower premiums and can support your eligibility for safe driver discounts, which may go as high as 20%.
Can I combine multiple best car insurance discounts, or is there a limit to how many I can apply?
You can usually stack several discounts. For instance, a student with good grades and bundled policies could combine savings of 35% and 17% with certain insurers.
Are there best car insurance discounts for married couples or domestic partners?
Yes, many insurance providers offer a car insurance discount for married couples, as they’re often seen as lower-risk drivers. By combining vehicles on a single policy, couples can also unlock additional savings through multi-car and bundling discounts.
How do best car insurance discounts work for multi-driver households with different driving records?
The household’s overall driving history affects rates. A clean-record driver can still qualify for some discounts, but risky drivers may reduce eligibility or raise the base rate for the policy.
Do I need to renew or reapply for the best car insurance discounts each year?
Some discounts are automatic renewals, but others—like good student or telematics-based savings—require updated proof or continued good driving to stay active.
Will moving to a different state affect my eligibility for the best car insurance discounts?
Yes, rates vary by location, but most national providers still offer car owners car insurance discounts, so you can continue saving even after you move—just make sure to review what’s available in your new area.
Are there best car insurance discounts for people who own their homes versus those who rent?
Yes, homeowners often get better bundling discounts when they combine auto and home policies, with some companies offering up to 25% off.
Can I lose the best car insurance discounts if my driving habits change?
Drivewise and similar programs adjust your savings based on how you drive—things like hard braking or speeding can cost you. Want to see how much you could save? Just enter your ZIP code in our free comparison tool.
What are the best car insurance discounts for hybrid work lifestyles with occasional commuting?
If you drive less because you work from home part-time, you may qualify for mileage-based savings or even the best hybrid vehicle car insurance discounts, with potential savings between 10% and 20% depending on the insurer.
Compare The Best Insurance Quotes In The Country
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
