Best Car Insurance Discounts in 2025 (Save up to 30% With These Companies)

The best car insurance discounts come from State Farm, Progressive, and Allstate, with savings of up to 30%. 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

Progressive excels with usage-based savings, while Allstate Drivewise review highlights strong bundling and driver rewards.

These providers offer top value across key factors and can help drivers maximize savings based on their habits and coverage needs.

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.

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.

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.

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.