Car Insurance Discounts for Group Affiliation

Affiliation discounts reduce full coverage car insurance rates by up to $23.8/mo for policyholders who are members of groups like fraternities, athletic organizations, or alumni associations.

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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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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • There are many groups that offer discounts on car insurance through a particular company.
  • If you’re already part of a group, you should investigate to see if there are discount programs you should be participating in.
  • No matter how many discounts apply to you, your own driving record matters most.
  • If you move, expect to see some changes in your affiliation discounts.
  • Membership affiliation discounts may reduce rates by up to 20%

Have you ever heard the old proverb that there is strength in numbers? It’s true in many areas of our daily lives; it’s certainly true when it comes to car insurance.

In fact, group affiliation car insurance discounts are one of the most common ways people get reduced auto insurance premiums.

These discounts are available through:

  • Fraternal organizations
  • Social groups
  • Employee groups
  • Athletic organizations
  • Alumni associations
  • And more

With just a few minutes of your time and your ZIP code entered into our FREE search tool above, you can get a look at car insurance rates from providers all over the country.

One of the best examples of an insurance discount offered through group affiliation is a discount given to senior drivers who belong to AARP. This senior organization is the largest of its kind in the United States. It advocates for the nation’s seniors.

It’s worked out special deals with several insurance companies to provide discounts to its members in good standing who demonstrate a safe driving record.

Volume as an Incentive

In any business, the volume is a great incentive to help keep prices as low as possible. In other words, if a business stands to make a $20 profit by charging $120 for its product, five customers would mean $100 in the bank for that company.

If that same company could attract 10 customers by offering a discounted price of $115, they would still come out ahead with a total profit of $150. In essence, they realize a 50 percent higher profit margin by offering a discounted price to a larger number of customers.

Group affiliation car insurance discounts are based on this very principle.

If a car insurance company can earn the business of 50 percent of the members of a very large group, it stands to make a lot more profit then it would without the discount program.

And in cases like the AARP or AAA, their millions of members are an opportunity too lucrative to pass up. Car insurance companies are more than happy to provide discounts to members of these groups.

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Take a Look at Your Group

Believe it or not, it is not uncommon for members of a group to have discounted car insurance available to them without them even knowing it.

The truth is, many people do not take the time to read literature in depth. In some cases, these individuals will never see that list of benefits buried on page 4 of their welcoming literature; these benefits might include car insurance discounts.

For your own benefit, adopt an investigative mindset, and be sure to find out everything available from your group.

Safe Driving Still Required


If you’re part of a group that gets a discounted rate, good for you. Just remember that the single most influential factor in determining what you’ll pay for your insurance is your own safe driving.

It won’t do you much good to get a group affiliation discount if you are prone to:

  • speeding tickets
  • accidents
  • other types of careless behavior

These habits could result in a claim. Your policy documents probably indicate as much somewhere in the fine print.

When you sign up with a particular group for a discount program, be sure to thoroughly read and understand all the documentation provided to you.

Make sure you know the conditions by which you could lose your discount or perhaps even be removed from the group affiliation altogether. Only when you are armed with all of the information can you make a properly informed choice.

If there is a possibility of you losing your discount, that may also be the motivation to drive more safely.

Moving May Affect Rates

new house

Because different geographic locations offer differing conditions for drivers, where you live plays a role in how much you pay for car insurance.

Therefore, a specific group affiliation discount may provide you with one specific rate where you currently live, but your rate may still go up if you move to a different location that presents a higher risk.

Don’t assume that what you pay for insurance today will be the same or lower in the future should you decide to move.

You should also never assume that your group affiliation can be extended after a move. Some groups require residency in a specific state or region in order for members to be eligible for all benefits.

It may be that a move to a new state or region of the country could mean you are no longer eligible for membership in your particular group. In that case, you’ll need to search for a similar group in your new location that can provide the same benefits.

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