How To Get a Membership Auto Insurance Discount (2024)
A membership discount for auto insurance can help you save on premiums. For example, Geico membership discounts save policyholders up to 12% for federal employees and 15% for active military members. Below, you can learn how to get a membership auto insurance discount for certain organizations and affiliations.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 8, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The first step to finding out if you qualify for a membership discount is to contact an insurance company or research memberships that offers car insurance discounts
- Most insurance companies will provide you with information about their discounts and the organizations that qualify
- It’s important to learn about any discount restrictions, such as a minimum number of required membership years with the organization
If you qualify for a membership auto insurance discount, you may be able to save a considerable amount on your auto insurance rates. Many universities offer an attractive alumni auto insurance discount to encourage their graduates to stay connected and save money on their car insurance premiums.
Read more: Auto Insurance Discount for Alumni
Moreover, numerous auto insurance companies create affiliations with large membership groups and offer attractive auto insurance discounts to the members.
These groups include alumni associations, colleges, universities, fraternities, sororities, and honor societies. These also include business and professional associations along with military and federal organizations.
Retirees could benefit from AARP car insurance discounts for their membership in that organization. AAA is another organization with a sizeable auto insurance discount list for its members. Contact your insurance company to see if they offer membership auto insurance discounts from these organizations.
Membership Auto Insurance Discounts by Provider
Several auto insurance companies offer discounts for various memberships to groups and organizations. Some of the most popular insurance companies that offer these discounts include the following.
Geico Membership Auto Insurance Discount
Geico auto insurance discounts are available to members in more than 500 organizations. Federal employees get a 12% discount. Speak with a company representative to learn Geico’s affiliation discount list and see if you qualify.
Popular organizations with Geico affiliation discounts include various alumni associations, fraternities, sororities, professional organizations, and more.
Read more: How to Get a Federal Employee Auto Insurance Discount
Active military members get a 15% discount, which increases to 25% during an emergency deployment. If you attend certain universities or colleges as a student or graduate of an affiliated school, you can get a member discount.
Allstate Membership Auto Insurance Discount
Allstate offers a military discount, a student discount of up to 35% for students away at school, and discounts for those in certain occupations.
Read More: Allstate Auto Insurance Review
State Farm Membership Auto Insurance Discount
Students benefit from State Farm auto insurance discounts. Being a good student can save up to 25% with State Farm.
Read More: State Farm Auto Insurance Review
You can also earn a State Farm student away discount if you’re under 25 and plan to move away at school without your vehicle.
Farmers Membership Auto Insurance Discount
Farmers auto insurance discounts help active and retired military, qualified employees, retirees of certain groups and businesses, members of affiliated associations, senior drivers, and good students.
National General Membership Auto Insurance Discount
National General, owned by General Motors (GM), offers an auto insurance member discount for the following groups:
- Customers with a GM card
- Car owners with GMAC auto financing or a GMAC mortgage
- Current or former employees of GM
- Employees of suppliers or dealerships associated with GM
- Subscribers to OnStar with low mileage
Learn more in our National General auto insurance review.
Travelers Membership Auto Insurance Discount
As stated in our Travelers auto insurance review, discounts apply to members of certain organizations and employees of some affiliated businesses. There are also good student discounts and discounts for students away from home who only use a family car occasionally while visiting their parents.
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Search for the Best Deals With an Auto Insurance Membership Discount
When searching for a membership discount, it is important to compare different insurance companies to ensure you get the best deal available. In addition to contacting an insurance company, you can search for auto insurance discounts online.
Be sure to compare insurance rates after deducting all the possible discounts. The savings may be substantial, so maximizing your discounts is worthwhile.
Read more: How To Get a Customer Loyalty Auto Insurance Discount
Check the Fees and the Membership Discount for Auto Insurance
Discounts vary from company to company, so it is important to research any organization or company before signing up for a membership. It is also important to ensure you get the best deal by comparing the discounts and adding back the associated membership fees.
Some automatic discounts may be applied if you get auto insurance through an association. However, for a membership discount for auto insurance that you purchase directly, you have to ask for the discount and prove your membership in an affiliated association.
It is important to remember to ask for your discount each time you renew your annual auto insurance policy.
Check Popular Membership Associations for Auto Insurance Discounts
You can also find discounts through various organizations like AAA and AARP. These organizations often offer discounts for members, including discounts on auto insurance. For example, AAA offers up to 10% off auto insurance for members, and AARP car insurance discounts offer up to 25% off coverage for its members. Compare AAA vs. AARP auto insurance to learn more.
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— AutoInsurance.org (@AutoInsurance) July 14, 2023
It’s also important to ask about any fees or other costs associated with the discount. Memberships in specific organizations like AAA (see the AAA Auto Insurance Review for more information) require an annual fee.
Finding an Auto Insurance Membership Discount Is Worth the Search
By taking the time to research available membership auto insurance discounts, you can save money on your auto insurance rates. If you’re a member of an alumni association, or you’re a retiree looking for AARP car insurance discounts, call your insurer to see if your organization qualifies.
With the proper research, you can find a membership discount that can help you get cheap auto insurance coverage.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Can I ask for a discount on my car insurance?
You can ask your auto insurance company if they offer discounts the insurer isn’t aware you qualify for, such as a membership auto insurance discount.
How do I get a membership discount on an auto insurance policy?
You may qualify for a discount if your a member of certain organizations or institutions. Speak with a representative from your auto insurance company to learn more about your options.
What are the 6 car insurance discounts you should ask about?
Below are 6 membership car insurance discounts you should ask about when shopping for coverage:
- Good student discount
- Customery loyalty discount
- Alumni discount
- AARP car insurance discount
- Military discount
- Federal employee discount
How do I get a AAA good student discount?
You must be a full-time student enrolled in high school or college with a 3.0 GPA or higher to qualify for the AAA good student discount.
What is a loyalty discount for auto insurance?
If you remain with the same auto insurance company for a certain amount of time, you may qualify for a discount on your coverage.
Does AARP really save you money on car insurance?
You may save money on a policy with AARP, but you should shop online and compare quotes before you choose a car insurance company.
Does Allstate give AARP discounts?
You can save up to 20% on annual membership fees for Allstate roadside assistance if you mention your AARP membership.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.