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Loyalty Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 3, 2021

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Key Takeaways

  • Loyalty discounts are exactly what they sound like.
  • You can save an average of 6 percent just by being loyal to your provider.
  • GEICO offers the best insurance loyalty program.
  • Don’t let a loyalty program keep you locked into a bad insurance plan.

We all want cheap car insurance, and loyalty reward programs get you discounts on your car insurance rates for staying with the same insurance provider long-term. These loyalty car insurance discounts encourage you to stick around, which makes your provider more money.

Do all providers have a loyalty discount? Does yours? Read on to learn more, but before you do, enter your ZIP code to compare the best car insurance quotes from multiple providers for free.

Is there a customer loyalty discount for car insurance?

Yes, car insurance loyalty programs exist. Most car insurance companies offer one of some kind.

These programs usually work in your favor. Read on to learn more about the loyalty discount, which companies offer the best insurance loyalty programs, and when staying with the same insurance provider may not be the best idea.

How much can you save with a car insurance loyalty discount?

Every car insurance provider will have a different policy when it comes to loyalty discounts.

But here are some of the best insurance loyalty programs we found:

Loyalty Car Insurance Discounts by Provider
ProviderPotential Loyalty Discount
Geico30%
Nationwide15%
USAA10%
Allstate7%
AAA5%
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On average, you can save around 6 percent on your car insurance just by sticking with the same provider.

How do loyalty car insurance discount programs work?

Loyalty programs are pretty straightforward. To qualify for one, you usually have to sign up for the loyalty program. This is often as simple as selecting the loyalty discount from your provider’s list of available discounts.

Once you’re signed up, the clock starts counting. You won’t start seeing any actual loyalty discounts until you’ve been with your insurance provider for a certain amount of time.

Different providers will have different time requirements before they will offer a loyalty discount. Some providers may even have tiered discounts. This means that you might get a 5 percent discount after two years with them but a 10 percent discount after four years.

Which companies have the best loyalty discounts?

Which car insurance company is cheapest? Most will offer some kind of loyalty discount. To see what kind of loyalty discount your insurance company offers, check out their list of discounts.

Some car insurance providers with the best insurance loyalty programs are:

  • GEICO
  • State Farm
  • Progressive
  • Farmers
  • USAA
  • Nationwide
  • American Family

You can also reach out to one of their representatives.

Are loyalty car insurance discounts always worth it?

Loyalty programs are designed to encourage you to stick with the same insurance provider long-term. Many drivers won’t shop around for car insurance when they know they are getting a discount just for staying with the same provider.

But what was a good deal last year may not be the best deal this year. Major life changes (like buying a home, getting married, switching careers, having children, etc.) could make your car insurance rates increase. You might qualify for a better insurance rate from a different provider.

Ready to buy car insurance? It’s always best to compare car insurance rates from multiple insurance providers to ensure you find the most affordable car insurance for you.

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