Missouri and Connecticut came out on top, with savings available 33 percent of the time across the range of 49 discounts surveyed. But many states were very close - see the list at right.
Hawaii and North Carolina have the lowest availability among the discounts we surveyed, at 14 percent and 13 percent, respectively.
Go big or go home
A few discounts stand out as often being big money-savers. Discounts based on being a good student, marital status and low annual mileage ranked highest for average percent off, when offered. But discounts vary considerably; we observed discounts much higher (some topping 25 percent) and some much lower than the averages shown below.
Average discount savings (nationwide)
- Good Student - 16%
- Marital Status - 14%
- Annual Mileage - 11%
- Use of Car - 10%
- Concurrent Home Policy - 9%
- Payment Type - 9%
- Days Advanced Purchase - 8%
- Driver Training - 7%
- Residence Type/Occupancy - 6%
- Persistency/Renewal Months - 6%
- Concurrent Life Policy - 4%
- Electronic Funds Transfer - 4%
- Attained Degree - 4%
- Vehicle Ownership - 4%
- One-Way Commute - 4%
- Days Per Week Driven - 4%
- Good Student - 77%
- Concurrent Home Policy - 68%
- Payment Type - 46%
- Marital Status - 41%
- Driver Training - 41%
- Use of Car - 40%
- Concurrent Life Policy - 37%
- Persistency/Renewal Months - 36%
- Electronic Funds Transfer - 34%
- Days Advanced Purchase - 26%
- One-Way Commute - 22%
- Residence Type/Occupancy - 21%
- Annual Mileage - 13%
- Days Per Week Driven - 8%
- Vehicle Ownership- 7%
- Attained Degree - 6%
- Some insurers cap your discount, so while you may be “eligible” for more savings, you won't get it all.
- Discounts may apply only to a portion of your car insurance bill, not to your total premium.
- Insurers have different eligibility rules for discounts. For example, check with your insurer on its definition of a “good student” before you count on savings. And a good student discount is often available only to drivers under age 25.
MethodologyInsure.com ran “base rates” for several carriers in each state for a 25-year-old single male driver with a high school degree, among other attributes. We then changed one parameter in the driver's profile and ran the new rate - for example, we made him married, or a homeowner or a loyal customer. (Good student rates were run for age 18.) We then calculated the percentage difference between the two rates to determine the real-life discount.
Use Insure.com's discount tool to find your own potential savings.