15 Auto Insurance Discounts Offered by Geico (Updated)

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CarInsuranceComparison.com is a free independent consumer comparison website and is not affiliated with Geico. To get a Geico auto insurance quote please visit geico.com. To compare quotes from many different companies please enter your zip code on this page to use the free quote tool. The more quotes you compare, the more chances to save!

Here's what you need to know...
  • Geico 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
  • Taking a driving class can qualify you for a discount

As one of the most popular car insurance companies, Geico 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 car insurance discounts available to Geico customers. Discounts include things from loyalty programs to reductions in premium by paying electronically.

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

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One of the most popular taglines that Geico uses in its marketing efforts is that “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 various discounts to customers.

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

You can see all 15 discounts Geico offers and compare them with other providers by checking out this data sheet our team compiled.

These discounts include:

Geico Discounts for Vehicle Equipment 
AirbagThe discount grows with each additional airbag in place. Geico claims that cars with a full-frontal airbag can earn the policyholder up to 40 percent off certain portions of their coverage.
Anti-Lock Brakes functionA vehicle with anti-lock brakes automatically qualifies for a five percent savings.
Anti-Theft and Alarm SystemsBuilt-in or professionally installed anti-theft, and alarm systems provide another discount for customers. In fact, the comprehensive part of an insurance premium can have as much as 25 percent discounted if an alarm is installed.
Daytime Running LightsDaytime running lights that are installed by the manufacturer are considered safer than cars without the lights and, therefore, can earn the driver up to another three percent off their costs.

Are there discounts from Geico that depend on what kind of driving history I have?

Of course! Geico is pleased to offer substantial discounts to customers who have proven to be safe and responsible drivers over a 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 that their safest drivers can save an additional 26 percent off their premium.

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

How can you qualify for Geico car insurance discounts?

You will need to get a car insurance rate from Geico in order to learn for which discounts you qualify. The easiest and fastest way to get car insurance rate information is to visit geico.com.

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.

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 were not able to be applied to your policy, you can find out why.

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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.

– Wearing Seatbelts

If drivers commit to always wearing a seat belt and making sure that all passengers wear a seat belt, this can save up to 15 percent on certain parts of the premium.

– Defensive Driving

Depending on state laws, Geico customers can save an additional ten percent off their insurance premium for attending and successful completion a defensive driving course.

– Driver’s Ed

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 premiums.

– Military Service

Geico is also pleased to offer discounts to the 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.

– Government and Corporate Affiliates

Geico also offers discounts to people affiliated with government agencies and corporate affiliates that have a partnership with Geico, such as a college or university. Depending on the organization, policyholders can shave an additional eight percent off their rates.

– Multi-Car Households

Households with two or more vehicles, or with multiple insurance policies through Geico, such as homeowners or renters insurance, can also receive a discount.

– Comprehensive List of Geico Discounts and the Percentage Savings They Offer

DiscountMaximum Percent Off
Air Bag25 for driver's side
40 for full front seat
Anti-Lock Brakes5
Anti-Theft25 off comprehensive
Daytime Running Lights1
Five-Year-Accident-Free26
Seat Belt Use15 off Medical Payments or Personal Injury Protection
Driver's EducationN/A
Good Student15
Emergency Deployment25
Military15
Membership and EmployeeN/A
Federal Employee (Eagle Discount)8
Multi-Car25
Multi-Policy/Multi-LineN/A
Over 50 with No Operators under 25N/A

How much can you save with Geico auto insurance discounts?

A lot of motorists are able to save money with Geico. However, there is no way to determine which discounts you qualify for with speaking directly with Geico.

Drivers with numerous speeding tickets, suspended licenses, or DUI/DWI offenses 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 in order 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 discounts, and to speak to an insurance agent or customer service representative if you have any specific questions about discounts.

Obtaining Car Insurance

You can go to the Insurance Information Institute to see what type of car insurance coverage is required in your state of residence.

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.

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