GEICO Car Insurance Discounts: Full List, Potential Savings, and More
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Written byJ.J. Starr
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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With costs of living increasing every year, finding ways to lower your car insurance premiums has never mattered more. The average United States household spends nearly 2% of their income on auto insurance, according to the National Association of Insurance Commissioners (NAIC). Fortunately, one of the easiest ways to reduce car insurance costs is to take advantage of discounts. GEICO offers more opportunities to save than most other auto insurance companies, with 23 total discounts available, depending on where you live and the type of policy you have.
Notable savings include up to 22% for good drivers, 15% for students with strong grades, and 25% for multi-vehicle policies. Plus, these discounts can be combined, allowing you to maximize your savings.
In the following sections, we’ll share all of GEICO’s car insurance discounts, as well as some helpful tips to save even more.
Full List of GEICO Discounts
GEICO offers 23 car insurance discounts to help drivers save on their premiums, according to our research. That means nearly every driver can likely find a discount. The company also offers special programs for students, military personnel, and federal employees to save even more.
The table below highlights all of GEICO’s discounts and advertised savings. Keep in mind that options vary by state.
Discount ▲▼ | Maximum Advertised Savings ▲▼ |
|---|---|
| Anti-lock brakes | 5% |
| Anti-theft system | 23% |
| Auto pay | Varies |
| Clean driving record | 22% |
| Daytime running lights | 3% |
| Defensive driving | Varies |
| Deployed driver | 25% |
| DriveEasy | 5%–15% |
| Driver training course | Varies |
| Good student | 15% |
| Early shopper | Varies |
| Federal employee | 12% |
| Homeownership | Varies |
| Internet quote | Varies |
| Membership & employee | Varies |
| Military | 15% |
| Multi-policy | Varies |
| Multi-vehicle | 25% |
| New vehicle | 15% |
| Paid-in-full | Varies |
| Paperless | Varies |
| Restraint device | 23% |
| Student away at school | Varies |
GEICO Driving Record Discounts
Driving-related discounts are among the most common savings opportunities insurance companies offer. GEICO provides several such discounts and programs designed to reward safe driving habits, including:
Good driver: People who maintain a clean driving record for five years may qualify for savings of up to 22% on certain coverages.
Defensive driving course: Completing a state-approved defensive driving course can make you eligible for savings. The availability and amount of this discount vary by state.
DriveEasy program: You can get discounts by enrolling in GEICO's telematics program and demonstrating safe driving behaviors. More on this below.
GEICO Vehicle Discounts
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The type of vehicle you drive and its installed equipment can significantly affect your car insurance premiums. GEICO offers several discounts based on specific vehicle features. These include:
Restraint devices: Vehicles equipped with airbags and seat belts can get you up to 23% savings on medical payments or personal injury protection premiums.
Anti-lock brakes: Cars featuring factory-installed anti-lock braking systems can receive a 5% discount on certain coverages.
Anti-theft system: Vehicles with built-in anti-theft systems may be eligible for up to a 23% discount on comprehensive premiums.
Daytime running lights: If your vehicle comes with standard daytime running lights, you could save 3% on some coverages.
New vehicle: Owners of cars three model years old or newer can qualify for up to a 15% discount on certain coverages.
GEICO Age-Related Discounts
Many insurers, including GEICO, offer discounts tailored to drivers based on age. These include:
Good student: Full-time students maintaining a B average or better may receive up to a 15% discount on certain coverages.
Senior driver: Drivers older than 50 may be eligible for discounts such as GEICO's Prime Time contract, which offers guaranteed renewal and potential savings for qualified drivers.
GEICO Payment Discounts
Being flexible with your payment methods can lead to significant savings on auto insurance. GEICO offers several payment-related discounts.
Paid-in-full: If you pay bills entirely up front, you may qualify for cheaper premiums.
Auto pay: Pay bills with automatic payments to avoid insurance lapses and save on installment fees.
Paperless billing: Electronic billing statements and policy documents can lower paper and mailing expenses and lead to savings.
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GEICO Loyalty Discounts
Many insurers reward customer loyalty with savings opportunities, and GEICO is no exception. It offers two discounts to acknowledge and encourage long-term relationships:
Multi-vehicle: Insuring more than one vehicle — including a motorcycle, ATV, or trailer — can earn you a discount of up to 25% on most coverages.
Multi-policy: You can qualify for additional savings by bundling your auto insurance with other policies. Consider renter, condo, mobile home, or homeowner insurance.
Remember that discount opportunities and values vary by state. If you have any questions, check with your insurance agent.
GEICO Affiliation Discounts
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Many insurers have partnerships with various organizations to offer affiliation discounts, including GEICO (except sometimes in New York). The insurance giant provides auto insurance discounts to members of numerous partner organizations, including:
Alumni associations: Members of some college and university alum groups may qualify for discounts.
Professional organizations: People affiliated with specific professional groups can sometimes access premium reductions.
Fraternities, sororities, and honor societies: Members of recognized Greek and honor societies may be eligible for savings.
To determine if your organization is among GEICO’s partners, search its name on the membership discounts page.
GEICO Occupational Discounts
Your occupation can influence your auto insurance rates since insurers associate some professions with lower risk. GEICO offers discounts for various occupational groups, including:
Federal employees: Active or retired federal government employees — particularly people with GS-7 classification and above — may qualify for the company’s “Eagle” discount.
Military personnel: GEICO offers special discounts and premium reductions to military members in recognition of their service.
Educators: Teachers who are members of some educational organizations may be eligible for membership discounts.
If you don’t see your profession listed, contact an agent or GEICO customer service to see if you can take advantage of your occupation to save on GEICO car insurance.
GEICO Telematics Discounts
Telematics insurance programs, like GEICO’s DriveEasy, monitor driving behavior through smartphone apps. These programs typically reward safe driving — often with sizable discounts. The app calculates your discount by tracking speed, braking, and phone usage.
Enrolling in DriveEasy provides an immediate 10% discount and up to 15% on future premiums. And on top of that, telematics programs promote safer driving habits that can improve fuel efficiency by 10%–40%, according to research from Oak Ridge National Laboratory.
But risky driving behaviors can lower your discount and even lead to higher premiums. Consistent, safe driving is key to unlocking full savings.
How to Add Discounts to Your GEICO Policy
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GEICO applies most eligible discounts to your policy automatically. But some discounts, like for being a good student and taking a defensive driving course, may require submitting a report card or certificate of course completion. See eligibility requirements for exact details.
To review and add discounts to your policy, follow these steps:
Log into your GEICO account.
Click “View Policy.”
Scroll down to the discounts section for an itemized list of applied discounts.
Click “View Discount Details” for more information.
Click “Add Discounts” to explore additional savings opportunities and their requirements.
Contact an agent with any questions or to provide necessary documentation.
Regularly reviewing your discounts ensures you take full advantage of all potential savings.
Other Ways to Save With GEICO
Beyond discounts, you can use several strategies to see your bill change and save on auto insurance. Here are some of our favorites:
Choose a higher deductible. Opting for a higher deductible can result in substantial savings, but make sure you can afford the extra cost if you have to file a claim.
Review your coverage annually. Regularly evaluate your policy to ensure you’re not overinsured. Older vehicles, for example, might not need comprehensive or collision coverage. And if your vehicle is no longer worth more than you owe, canceling gap insurance probably makes sense.
Maintain good credit. Many insurers consider credit history when determining premiums and offer lower rates for having good credit. Paying your bills on time now could lead to savings down the road.
Compare rates from multiple insurers. Shopping around is one of the most effective ways to save on car insurance. Car insurance comparison sites can help you compare multiple quotes and find the best rates quickly.
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GEICO Insurance Discount FAQs
Everyone wants better ways to save on car insurance. Find answers to common questions about GEICO’s car insurance discounts below.
How many car insurance discounts does GEICO offer?
GEICO offers 23 car insurance discounts across several categories, including vehicle equipment, driving history, driver’s education, affiliations, and customer loyalty. Most drivers will qualify for one or more discounts.
How much can you save with GEICO car insurance discounts?
With GEICO auto insurance discounts, you can save 25% or more on your premium, depending on the discounts you qualify for. Savings vary based on location, vehicle features, and affiliations.
Can you stack car insurance discounts with GEICO?
Yes, you can stack car insurance discounts with GEICO. For example, you can combine savings from a good student discount, a multi-policy discount, and a vehicle safety features discount for things like anti-theft systems. Doing so helps you maximize savings on your premium.
What are some of the best car insurance discounts?
Some of the best car insurance discounts include up to 25% off for students maintaining a B average, up to 30% for safe drivers, and up to 20% for loyal customers. These savings can help significantly reduce your premiums.
Sources
Insurance Information Institute, “Facts + Statistics: Auto insurance,” accessed January 21, 2025.
Oak Ridge National Laboratory, “Sensible driving saves more gas than drivers think,” accessed January 21, 2025.
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J.J. StarrInsurance Writer
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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