15 GEICO Car Insurance Discounts (Comprehensive Study)

GEICO insurance discounts are relatively numerous, and you can really save up to 15%, as their ad campaign states. Examples of some of the best ways to save with discounts include GEICO good driver discounts, which can offer savings of up to 25% on your rates, and vehicle safety equipment discounts like the GEICO restraint discount.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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UPDATED: Mar 30, 2021

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Here's what you need to know...

  • GEICO car insurance company offers many discounts, so you could, in fact, save 15 percent or more, as their ad campaign states
  • They offer discounts for safety features
  • Your good driving record qualifies you for discounts on GEICO insurance agency car insurance
  • Taking a driving class can qualify you for a discount

As one of the most popular car insurance companies, GEICO insurance agency has a comprehensive marketing campaign. One of the company’s primary goals is to attract and retain customers by offering many different discounts.

There are dozens of GEICO insurance discounts available to GEICO insurance agency customers. Discounts include things from loyalty programs and GEICO good driver discounts to reductions in rates by paying electronically. Whether you have liability auto insurance coverage or a more comprehensive policy, discounts can help reduce your auto insurance premiums.

Read this guide to learn more about 15 of the top GEICO auto insurance discounts listed to help you purchase affordable car insurance from the organization.

Before we get started on this GEICO discount overview, take a minute to enter your ZIP code in our free tool to get a free auto insurance quote for affordable car insurance from a provider near you.

What discounts does GEICO insurance agency offer?

So how can you get a discount on your GEICO insurance? Yes, you can get auto insurance savings with the company. You can see all 30+ special discounts offered by the organization and the amount you— as part of the customer base— can save on your auto policy by looking at this table.

Car Insurance Discounts Offered by GEICO
DiscountsOffered by GEICOPotential Savings
Adaptive Cruise ControlNo-
Adaptive HeadlightsNo-
Anti-lock BrakesYes5%
Anti-TheftYes25%
Daytime Running LightsYes26%
Electronic Stability ControlNo-
Utility VehicleYes1%
Vehicle RecoveryYesNot Available
VIN EtchingNo-
Lane Departure WarningNo-
Newer VehicleYesNot Available
Green VehicleNo-
Forward Collision WarningNo-
Claim FreeYes25%
Continuous CoverageYesNot Available
Defensive DriverYesNot Available
Distant Student DriversYesNot Available
Driver's EdYesNot Available
Driving Device/AppYesNot Available
Early SigningYes8%
Emergency DeploymentYesNot Available
Engaged CoupleNo-
Family LegacyYesNot Available
Family PlanNo-
Farm VehicleYesNot Available
Fast 5No15%
Federal Employee DiscountYesNot Available
Full PaymentYesNot Available
Further EducationYesNot Available
Garaging/StoringNo-
Good Credit ScoreNo-
Good Student DiscountsYesNot Available
HomeownerYesNot Available
Life InsuranceNo-
Low MileageYes15%
LoyaltyYesNot Available
MarriedNo-
Membership Discounts /GroupYes10%
MilitaryYes25%
Military GaragingNo-
Multiple DriversNo-
Multiple PoliciesYesNot Available
Multiple VehiclesYesNot Available
New AddressNo-
New Customer/New PlanNo-
New GraduateNo-
Newly LicensedNo-
NewlywedsNo-
Non-Smoker/Non-DrinkerNo-
Occasional OperatorNo-
OccupationYesNot Available
On Time PaymentsNo-
Online ShopperNo-
Paperless DocumentsNo-
Paperless/Auto BillingNo-
Passive RestraintYesNot Available
Recent RetireesNo-
RenterNo-
Roadside AssistanceNo-
Safe DriverYesNot Available
Seat Belt UseYesNot Available
Senior DriverNo-
Stable ResidenceNo-
Students & AlumniYesNot Available
Switching ProviderNo-
VolunteerNo-
Young DriverNo-
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GEICO offers numerous discounts, but it doesn’t offer every potentially available discount standard in the car insurance industry. For example, there is no GEICO VIN etching discount or GEICO dashcam discount, as you can see. They also don’t offer green vehicle discounts, so if you’re looking for a GEICO hybrid discount, you’re out of luck.

By contrast, if you’ve recently purchased a new vehicle, you may qualify for a GEICO new car discount.

To see how GEICO’s discounts compare to other offerings by other insurance companies, take a look at this table.

Car Insurance Companies Offering Discounts
Car Insurance Companies Offering Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNo
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoYesNoNo
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Anti-TheftYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesNoNoNoYesYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoNoNoNo
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYesYesYesNoNoNoNoYesYes
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesYesNoYesYesYesYesYesYesNoNoYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNoNoNoNoYesYes
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesYesYesYesNoNoNoNoNoYesNoNo
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYesYesYesNoNoYesYesYesNo
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYesNoYesYesYesYesYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Driving Device/AppNoYesYesYesNoNoNoYesYesYesYesYesYesNoYesYesNoNoYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYesNoYesNoNoNoYesYesYes
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesNoYesNoNoNoNoNoNoNoYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoYesNoNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNoNoNo
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYesYesYesYesYesYesYesNo
Further EducationNoNoNoNoYesNoYesYesNoYesYesNoYesNoNoYesNoNoYesNoYesNo
Garaging/StoringNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNoNoNoNoYesYesYes
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNo
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
HomeownerYesYesNoNoNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNo
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
LoyaltyNoNoNoYesYesYesYesNoNoYesNoYesYesYesNoYesNoYesNoYesNoYes
MarriedNoYesNoNoNoYesYesYesNoNoYesYesYesYesYesYesYesYesNoYesNoYes
Membership/GroupNoYesNoNoYesNoNoYesNoYesYesYesYesNoNoYesNoNoYesYesYesNo
MilitaryNoNoYesNoNoNoNoYesYesYesYesYesNoNoYesYesYesYesNoNoNoYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNoYesYesYesYesYesYesYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Newly LicensedNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
NewlywedsNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Non-Smoker/Non-DrinkerYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
OccupationNoNoYesNoNoNoYesYesYesYesYesYesYesNoNoYesYesYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoNoNoNoYesNoNoNoNoNoNoNoNo
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesYesYesNoNoNoNoNoYesNoNo
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoYesYesYesYesYesYesYesYesYesYesYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoYesNoNo
RenterNoNoNoNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYesNoNoNoNoNoYesYesYesNoYes
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesNoNoNoYesNoNo
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNoNoNoNoNoNoNoNoNo
Switching ProviderYesNoNoYesNoYesNoYesYesYesYesNoYesYesNoNoYesYesNoNoNo
VolunteerNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYesNoYesNoNoNoNoNoYes
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Keep reading for more specifics on the 15 GEICO discounts we’re focusing on in this guide. Specifically, we’ll cover good driver, claim-free, passive restraint, defensive driver course, driver’s education, military service, designated danger area, various affiliate, multi-vehicle, bundling, and various vehicle safety equipment discounts.

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How much can I save with GEICO discounts?

GEICO offers over 30 different car insurance discounts you may qualify for, including the GEICO mobile app DriveEasy and defensive driver discounts; which can save you as much as 26 percent for a single discount (depending on the discount, where you live, what you drive, etc.). While we won’t cover all 30+ discounts in this guide, we will highlight some of the major savers. Keep reading for more on discounts for GEICO car insurance rates.

What kinds of car insurance discounts does GEICO offer its customers?

One of the most popular taglines that GEICO insurance agency uses in its marketing efforts is, “15 minutes can save you 15 percent or more on your car insurance.” One of the reasons GEICO can make this claim is that they offer several discounts to customers.

One of the easiest ways for a policyholder to earn a discount on their rate is simply by owning or leasing a vehicle that has certain safety equipment installed.

We’ll spend some time discussing examples of these GEICO vehicle safety equipment discounts, as well as other kinds of discounts offered by GEICO.

Read on to learn more about these discounts and how to buy discounted GEICO car insurance.

Does GEICO offer discounts based on driving history and habits?

Of course! GEICO is pleased to offer substantial safe driver discounts to customers who have a proven track record of safe and responsible driving over time.

Drivers who have gone at least five total years without getting into an accident, whether a no-fault or at-fault accident, are eligible to receive substantial savings on their policy.

In fact, GEICO claims their safest drivers can save an additional 26 percent off their rates with a GEICO five-year good driver discount.

Also, drivers with a great driving record who happen to get into an accident can qualify for the accident forgiveness program, which prevents an insurance rate from going up just because of one accident.

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Does GEICO offer discounts that aren’t dependent on my driving record?

Even drivers with less-than-stellar records can benefit from other car insurance discounts offered by GEICO.

Are there GEICO discounts for wearing seatbelts?

If drivers commit to always wearing a seat belt and making sure all passengers wear a seat belt, this GEICO restraint discount can save up to 15 percent on certain parts of your auto insurance premiums.

What vehicle safety equipment discounts are available from GEICO?

As we noted earlier, one of the simplest ways to qualify for GEICO discounts is to ensure certain safety equipment is installed on your vehicle. These vehicle safety equipment discounts can save you anywhere from five to 25 percent.

Examples of vehicle safety equipment discounts currently offered through GEICO include anti-lock brakes and daytime running lights. You may also be able to get an anti-lock brakes discount and other potential savings.

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Are there GEICO discounts for defensive driving course completion?

Depending on state laws, GEICO customers can save an additional 10 percent on their rates for attending and successfully completing a defensive driving course.

Are there GEICO discounts for taking a driver’s education course?

Teenage drivers can help save their parents money by completing a school-sponsored or state-approved driver education course. Students who maintain a clean driving record and good grades can help save up to 15 percent on the cost of the rates.

Are there GEICO discounts for military service?

GEICO is also pleased to offer discounts to men and women who serve our country. This includes any military member who is deployed, including an extra discount for policyholders who are in a designated danger area.

Active duty or reservists who insure with GEICO may also receive an additional 15 percent off their coverage costs.

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Are there GEICO discounts for government and corporate affiliates?

GEICO also offers discounts to people affiliated with government agencies and corporations that have a partnership with GEICO. And if you’re an alumnus of certain colleges or universities, you may qualify for an additional affiliate discount.

Depending on the organization, policyholders can shave an additional eight percent off their rates.

Are there GEICO discounts for multi-car households?

GEICO bundling discounts or multi-policy discounts from GEICO may be options and can be great ways to save. Households with two or more vehicles or with multiple insurance policies through GEICO, such as homeowners or renters insurance, can receive a discount of up to 25 percent.

Are there GEICO discounts for customer loyalty?

GEICO does offer customer loyalty discounts to long-term customers, though they don’t currently publish the amounts you may be able to save through this kind of discount.

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How much can you save with GEICO car insurance discounts?

A lot of motorists can save money with GEICO. However, there is no way to determine which discounts you qualify for without speaking directly with GEICO.

Drivers with numerous speeding tickets, suspended licenses, or those looking to obtain auto insurance after a DUI/DWI often fare better by working with car insurance providers that specialize in insuring high-risk motorists.

Ultimately, you will need to get a quote from GEICO and then compare the rates of other insurance companies to see what your savings are.

Since every car insurance provider uses different terms to calculate rates, there is no simple answer to this question.

Of course, it is best to compare insurance coverage, rates, and additional discounts, and to speak to an insurance agent or customer service representative if you have any specific questions about discounts.

How can you qualify for GEICO car insurance discounts?

Wondering how to get GEICO car insurance discounts? You will need to get a car insurance rate from GEICO to learn which discounts you qualify for. Are you part of any professional organizations? You may qualify for alumni associations or student discounts or other savings through partner organizations.

As you answer questions about your driving history and the type of vehicle that you drive, you will see which discounts are being applied to your policy for rate reductions.

Getting a GEICO car insurance quote over the phone will yield the same information; however, you will also have the opportunity to ask personal questions. If you learn of any discounts that could not be applied to your policy, you can find out why.

How do you obtain car insurance?

GEICO offers several different coverage types to insureds. You’ll be able to purchase all of the major coverage types from the company. But how do you know how much coverage you need?

The first step is to find out how much coverage you’re required to carry in your state.

Take a look at this table, populated with data from the Insurance Information Institute, to find out what’s required to legally drive where you live.  

Minimum Liability Car Insurance Requirements by State
StateInsurance Required in the StateMinimum Liability Limits
AlabamaBI & PD Liab25/50/25
AlaskaBI & PD Liab50/100/25
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
CaliforniaBI & PD Liab15/30/5
ColoradoBI & PD Liab25/50/15
ConnecticutBI & PD Liab, UM, UIM25/50/20
DelawareBI & PD Liab, PIP25/50/10
District of ColumbiaBI & PD Liab, UM25/50/10
FloridaPD Liab, PIP10/20/10
GeorgiaBI & PD Liab25/50/25
HawaiiBI & PD Liab, PIP20/40/10
IdahoBI & PD Liab25/50/15
IllinoisBI & PD Liab, UM, UIM25/50/20
IndianaBI & PD Liab25/50/25
IowaBI & PD Liab20/40/15
KansasBI & PD Liab, PIP25/50/25
KentuckyBI & PD Liab, PIP, UM, UIM25/50/25
LouisianaBI & PD Liab15/30/25
MaineBI & PD Liab, UM, UIM, Medpay50/100/25
MarylandBI & PD Liab, PIP, UM, UIM30/60/15
MassachusettsBI & PD Liab, PIP20/40/5
MichiganBI & PD Liab, PIP20/40/10
MinnesotaBI & PD Liab, PIP, UM, UIM30/60/10
MississipiBI & PD Liab25/50/25
MissouriBI & PD Liab, UM25/50/25
MontanaBI & PD Liab25/50/20
NebraskaBI & PD Liab, UM, UIM25/50/25
NevadaBI & PD Liab25/50/20
New HampshireFR only25/50/25
New JerseyBI & PD Liab, PIP, UM, UIM15/30/5
New MexicoBI & PD Liab25/50/10
New YorkBI & PD Liab, PIP, UM, UIM25/50/10
North CarolinaBI & PD Liab, UM, UIM30/60/25
North DakotaBI & PD Liab, PIP, UM, UIM25/50/25
OhioBI & PD Liab25/50/25
OklahomaBI & PD Liab25/50/25
OregonBI & PD Liab, PIP, UM, UIM25/50/20
PennsylvaniaBI & PD Liab, PIP15/30/5
Rhode IslandBI & PD Liab25/50/25
South CarolinaBI & PD Liab, UM, UIM25/50/25
South DakotaBI & PD Liab, UM, UIM25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25
UtahBI & PD Liab, PIP25/65/15
VermontBI & PD Liab, UM, UIM25/50/10
VirginiaBI & PD Liab, UM, UIM25/50/20
WashingtonBI & PD Liab25/50/10
West VirginiaBI & PD Liab, UM, UIM25/50/25
WisconsinBI & PD Liab, UM, Medpay25/50/10
WyomingBI & PD Liab25/50/20
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To make it easier to understand the minimum coverage information in the table, we’ve summarized the abbreviations and acronyms.

Minimum Liability Car Insurance Abbreviations
AbbreviationMeaning
BIBodily Injury
PDProperty Damage Liability
PIPPersonal Injury Protection
UMUninsured Motorist
UIMUnderinsured Motorist
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The insurance agents at GEICO will also help you to choose a new auto insurance policy that both meets the state minimum as well as your financial needs.

Now that we’ve spent some time discussing major auto insurance discounts offered by GEICO, use your ZIP code in our free tool to get quotes from companies in your area.

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Average Monthly Car Insurance Rates by State