Best Membership Auto Insurance Discounts in 2024

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.

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.