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TheStreet Open House

Insider's Guide To Discounts: The Biggest Savings, The Best States To Get Them





One way auto insurance companies compete for your business is by offering an array of discounts.

With the wide range of discounts available, chances are you're eligible for at least a discount or two. But how much can you really save? We decided to find out. In an extensive study, we gathered price breaks for 49 discounts in every state among large car insurance companies. In all, we looked at 24,988 potential discounts nationwide. We were able to determine the most common discounts, the biggest savers, and the states where you're most likely to find discounts.

Use Insure.com's car insurance discounts tool to identify your potential discounts based on your personal factors and where you live.

Missouri and Connecticut have the most available discounts

State rankings: Availability of 49 common discounts

Rank

State

Discounts

1

Missouri

33.1%

2

Connecticut

32.6%

3

Indiana

32.3%

4

Wisconsin

32.1%

5

Iowa

31.7%

6

Kansas

31.3%

7

Oklahoma

31.1%

8

Nebraska

30.2%

9

Pennsylvania

30.1%

10

Kentucky

30.1%

11

Ohio

30.0%

12

Arizona

29.9%

13

Alabama

29.8%

14

Colorado

29.7%

15

Maryland

29.2%

15

South Carolina

29.2%

17

New Mexico

29.2%

18

Oregon

28.6%

19

Florida

28.4%

20

Tennessee

28.4%

21

Illinois

28.2%

22

Maine

28.2%

23

Arkansas

28.2%

24

California

28.1%

25

Minnesota

28.0%

26

New Hampshire

27.8%

27

North Dakota

27.4%

28

Nevada

27.3%

29

Mississippi

27.2%

30

West Virginia

27.0%

31

Georgia

26.8%

31

Utah

26.8%

31

Virginia

26.8%

34

Idaho

26.7%

35

Washington

26.4%

36

Delaware

25.8%

37

Alaska

25.2%

38

South Dakota

23.7%

39

Montana

23.5%

40

New Jersey

23.5%

41

Washington, D.C.

23.3%

42

Wyoming

23.0%

43

Rhode Island

22.9%

44

Texas

22.1%

45

Louisiana

21.4%

46

Vermont

21.2%

47

Michigan

20.9%

48

Massachusetts

20.5%

49

New York

20.3%

50

Hawaii

14.5%

51

North Carolina

13.2%

While you might expect car insurers to offer the same discounts in every state, they don't.

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