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 homeA 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.