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policy discounts

Esurance offers a wide range of discounts to help drivers save extra on car insurance. Here's the lowdown on the policy discounts available to Esurance drivers, including how to qualify, where they're available, and what you can expect to save.

How policy management can help you save

Enough chatter! Here are Esurance's policy discounts:


dollar

Fast 5® discount

Where is it offered?

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Nebraska
  • New Jersey
  • Nevada
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin

How do I get it?

Simply start a quote online at esurance.com.

How much do I save?

Five percent off your total premium for your first term — except in Louisiana, where drivers get a $50 rebate on their bodily injury liability coverage.


Paid-in-Full discount

Where is it offered?

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Nebraska
  • New Jersey
  • Nevada
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin

How do I get it?

Pay your premium in one lump sum instead of monthly intervals when you buy or renew your Esurance policy.

How much do I save?

Up to 10 percent off your premium.


save

Switch & Save® discount

Where is it offered?

  • Alabama
  • Arkansas
  • Arizona
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Nebraska
  • New Jersey
  • Nevada
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Wisconsin

How do I get it?

By switching to Esurance from another insurance company. Make sure you still have your other car insurance at the time you buy your Esurance policy to avoid a gap in coverage.

In Indiana, you can qualify without switching companies if:

  • You're bringing your Esurance coverage with you from another state
  • You're moving from a parent's Esurance policy to your own
  • You're moving from a divorced spouse's Esurance policy to your own
  • You've never had a car and this is your first policy
  • You've been stationed overseas for military duty or other foreign-service reasons for at least 6 months and had a lapse in coverage

How much do I save?

In many states, you save 5 percent off your premium. This discount is only available for your first 2 policy terms.


Claim-Free discount

Where is it offered?

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Maryland
  • Michigan
  • Missouri
  • Nebraska
  • New Jersey
  • Nevada
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • Tennessee
  • Texas
  • Virginia
  • Washington

How do I get it?

By driving safely. The specifics vary from state to state, but the most common qualifications are:

  • All drivers on the policy have gone at least 60 months (5 years) without an at-fault accident claim or DUI/DWI conviction
  • At least one person on the policy has 5+ years of driving experience
  • You had other car insurance at the time you bought your Esurance policy

In some states, comprehensive claims under $1,000, glass-only claims, and emergency road service claims won't disqualify you from the discount in subsequent terms.

How much do I save?

Ten to 25 percent off your total premium, depending on your state.


homeowners

Homeowners discount

Where is it offered?

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • New Jersey
  • Nevada
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin

How do I get it?

By being an Esurance customer and owning a house or condo (or having a spouse who owns one). Generally, you can prove your ownership through property tax records, a mortgage coupon, or a homeowners insurance declaration page.

Mobile homes do not qualify you for this discount — except in Washington, where the mobile home must be the customer's primary residence and less than 10 years old.

How much do I save?

Savings vary between drivers and between states.


tow truck

Emergency Road Assistance discount

Where is it offered?

  • California
  • Florida
  • Washington

How do I get it?

By buying emergency road assistance from a provider other than Esurance (such as AAA or the National Automobile Club). If you live in California, check with us before choosing an ERS service, as only approved groups qualify you for the discount.

How much do I save?

Up to 5 percent on your premium.


facebook

Like to Save™ discount

Where is it offered?

  • Arizona
  • Texas

How do I get it?

Just "Like" us on Facebook — the first discount of its kind!

When you get a quote from Esurance, you'll be prompted at the discounts section to "Like" us. You can see your savings as soon as the quote process is finished. And if you've already "Liked" us on Facebook on your own, call 1-800-ESURANCE (1-800-378-7262) to apply this discount.

Find out more about the Like to Save discount.

How much do I save?

Up to 10 percent off your premium.


Pac-12 discount

How do I get it?

Attend or be an alum of one of these Pac-12 schools:

  • University of Arizona
  • Arizona State University
  • University of California at Berkeley
  • University of Colorado Boulder
  • University of Oregon
  • Oregon State University
  • Stanford University
  • University of California at Los Angeles (UCLA)
  • University of Southern California (USC)
  • University of Utah
  • University of Washington
  • Washington State University

Find out more about the Pac-12 discount from the Esurance blog.

How much do I save?

Up to 15 percent on your premium.


Find out which discounts apply to you

Whether you're thinking about moving to Esurance or you're a longtime customer who sees new ways to save, take advantage of these policy discounts by grabbing a free online quote or giving us a call at 1-800-ESURANCE (1-800-378-7262).

Related links

Driver discounts
See all the ways your responsible motoring can put some green back in your wallet.

Vehicle discounts
How much can your car save you with features like airbags and antitheft devices? Find out here.

Discounts subject to eligibility. Coverages may vary between and are not available in all states. Terms, conditions, and exclusions may apply.

The Pac-12 discount (also known as the Education discount in some states) is applied to individuals who have attained certain educational levels irrespective of school conference membership. Discount not available in some states, including Washington and California. Reduced rates for Pac-12 students and alumni are available in California.

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