What is a Volunteer discount?

The volunteer discount reduces car insurance rates for drivers who volunteer in their communities. American Family Insurance offers a volunteer discount to recognize policyholders' service.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Mar 21, 2022

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Here's what you need to know...

  • Spending your free time volunteering could help you to qualify for savings on your auto insurance policy
  • Some auto providers that offer a volunteer discount may require you to meet very specific guidelines
  • Finding an auto insurance provider that offers this unique type of discount can be challenging

Some people volunteer with local organizations as a constructive way to spend their free time, and others are passionately concerned about specific causes or issues.

Regardless of the reason why you have decided to spend some of your free time volunteering for an organization or charity, you should be aware that you can potentially save money on your auto insurance premium expenses as a result.

Some auto insurance providers offer a volunteer discount to help you save money if you meet specific guidelines or qualifications.

Compare car insurance quotes and find the best rate for the coverage you need.

Why Some Car Insurance Companies Offer a Volunteer Discount

Car insurance companies may have different reasons for offering a volunteer discount.

One reason may be to honor customers who spend their time unselfishly working for the benefit of other people, the community, the environment, or something else. Another reason may relate to risk.

Car insurance companies statistically analyze your risk associated with being in an accident or for having your vehicle stolen. Many factors are analyzed to make this determination, and drivers who are seen as riskier may have higher overall insurance rates.

Statistics have found that some individuals who volunteer may be more responsible drivers and may be less willing to drive aggressively. This may reduce accidents on the road and make them safer to insure.

Choosing a Volunteer Activity That Is Meaningful to You

If you do not currently volunteer and have been looking for a positive, constructive way to spend your free time, volunteering is a great option to consider.

This can potentially help other people, make you feel great inside, and help you to save money on car insurance through a volunteer discount available by some auto insurance companies.

A smart idea is to make a list of causes that are important to you and to research their need for volunteers in your area before contacting any organizations directly.

If you plan to use the volunteer car insurance discount to save money on auto insurance, research the providers that offer this discount as well as their guidelines for the volunteer activity carefully.

Remember that you may have to volunteer your time for a certain number of hours each month or for a specific, approved organization to qualify for the discount through some car insurance companies.

Understanding How Your Car Insurance Rates Are Determined

To fully understand how the volunteer car insurance discount can be applied by auto insurance providers, you need to understand how insurance rates are determined overall. A few of the factors that insurance companies will review for rate calculations include:

  • Your age and gender
  • Where you live
  • Your occupation
  • How far you normally drive
  • Your vehicle
  • Your driving record

Car insurance companies will try to build a statistical model or analysis of you to determine their risk. When they incorporate volunteering activities into the mix of factors, the insurance company’s overall exposure to risk for insuring you may decrease substantially.

Other Factors That Car Insurance Companies Review When Determining Your Car Insurance Rates

These are only a few of the many factors that car insurance companies look at when determining your insurance rates. For example, they will also review your:

Because so many factors come into play when determining what your insurance rates will be, you should avoid shopping for insurance based solely on which company offers a volunteer discount.

The reality is that the auto coverage companies that offer a volunteer discount may not always offer the best premium rates overall because of how each provider may look at these various factors uniquely.

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How to Find an Insurance Company that Offers a Volunteer Discount


While you may not necessarily want to only consider shopping around for insurance with providers that offer a volunteer discount, you certainly do not want to exclude them from consideration.

A great starting point is to review a list of reputable car insurance companies as well as the many discounts that they offer.

Each company may have unique requirements for their many car insurance discounts, and this means that you may not qualify for a similar discount with each provider that you reach out to.

However, by taking advantage of the maximum number of discounts available, you may be able to maximize your regular premium savings opportunities.

You may be surprised to find out how many exceptional auto insurance discounts are available through various car insurance providers.

The Importance of Looking for Multiple Auto Insurance Discounts

Before you start shopping around for a new car insurance quote, you may be wondering what types of discounts you should look for in addition to a volunteer discount.

There are several dozen common discounts available through car insurance companies today, and a few of the more common options are:

  • A safe driver discount
  • A claims-free driving record discount
  • A good student or full-time student discount
  • A retiree or senior citizen discount
  • A safety equipment discount
  • A military or veteran discount
  • A special occupation discount

Focusing on the Reputation and Strength of the Auto Insurance Company

Saving money on auto insurance by taking full advantage of the volunteer insurance discount and other car insurance discounts is a great idea, but cost should not be your bottom line when shopping for new insurance rates.

You should research the financial strength and overall reputation of each provider online. Eliminate any providers that do not rank well in these areas.

Does nonprofit insurance protect your volunteers?

Not all nonprofit liability insurance policies cover the actions of people volunteering with your organization. To protect yourself against injuries to volunteers and property damage caused by volunteers, make sure your nonprofit coverage extends to volunteers as well as employees.

If you run a nonprofit, it can be gratifying to receive this annual influx of volunteers. But before you start handing your volunteers clipboards and T-shirts, you may want to review your nonprofit insurance to find out if it also provides liability protection for them.

Should I include volunteers on all my nonprofit insurance policies?

That really depends on what kind of work volunteers perform in your organization. Let’s take a look at a few situations when it might make sense to extend your liability coverage to include volunteers.

Your volunteers repair homes for elderly homeowners. While moving a ladder across the roof, a volunteer accidentally knocks it against one of the home’s windowpanes, breaking it. You can never predict when an accident might happen, so it might make sense to cover volunteers working in the community under your general liability insurance. This policy addresses the costs associated with accidental injuries or property damage. That way, the damage caused by your volunteer would be covered.

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How to Shop for Effective Coverage That Meets Your Needs

Before you begin reaching out for quotes from leading car insurance companies, it is important that you understand how much coverage you need to buy.

Taking advantage of the volunteer discount and other money-saving discounts will help you to be able to afford the full amount of car insurance coverage that you need on a tight budget.

In some cases, a state agency or state-sponsored insurance program may offer volunteer coverage at a reasonable cost.

Now is a great time to shop around for quotes and to set up the coverage that you need. Enter your zip code below to get started.

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