car insurance discounts

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

policy discounts on car insurance

We're committed to making it as easy as possible for you to save some cash on your car insurance. That's why these discounts don't require much on your part. Earn savings for having more than one policy with us, starting a quote online, and even simply switching to Esurance from another company.

  • Fast 5® discount

    How you get it: Simply start a quote online at esurance.com.

    How much you could save: Five percent off your first-term premium.

    See if this discount is available in your state >

  • Multi-Policy discount

    How you get it: By having an Esurance homeowners or motorcycle insurance policy in addition to your auto coverage with us. Don't have a motorcycle? No sweat. Esurance motorcycle insurance covers a vast array of rides besides just bikes (such as ATVs, UTVs, snowmobiles, Segways, and more).

    How much you could save: Both policies will get a discount. Savings will vary.

    See if this discount is available in your state >

  • Paid-in-Full discount

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

    How much you could save: Up to 10 percent off your premium.

    See if this discount is available in your state >

  • Switch & Save® discount

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

    See if this discount is available in your state >

  • Claim-Free discount

    How you 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 you could save: Ten to 25 percent off your premium, depending on your state.

    See if this discount is available in your state >

  • Homeowners discount

    How you 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 you could save: Savings vary between drivers and between states.

    See if this discount is available in your state >

  • Renters Plus® discount

    How you get it: If you're an Esurance policyholder and rent a home, condo, or apartment, call us at 1-800-ESURANCE (1-800-378-7262) to add Esurance renters coverage to your existing auto policy. If you're a new customer, simply include it when you get your car insurance quote.

    Not only will you enjoy extra savings on your car insurance, you'll also reap the benefits of renters coverage, such as coverage for your stuff and liability protection if guests are injured in your home.

    Renters coverage even works while you're away, and can kick in when your car insurance doesn't — for instance, if you need to replace a watch or laptop that was stolen from your ride.

    How much you could save: Thirty percent of your renters coverage premium is deducted from your car insurance rate. Savings apply for as long as you have renters coverage.

    See if this discount is available in your state >

  • Emergency Road Assistance discount

    How you 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 you could save: Up to 5 percent on your premium.

    See if this discount is available in your state >

  • Pac-12 discount*

    How you 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 you could save: Up to 15 percent on your premium.

  • Online Shopper discount®

    How you get it: This one makes it even easier to click "purchase" for Illinois, Utah, and Virginia drivers. Nab this money-saver simply for starting your Esurance quote on our site.

    How much you could save:The amount varies depending on several factors.

driver discounts on car insurance

Your driving record is a major factor in determining what you pay for car insurance. For that reason, creating a track record of smart, cautious driving is the best way to get lower car insurance rates and extra discounts on your policy. These auto insurance discounts are designed to reward our best drivers.

  • Defensive Driver discount

    How you get it: Sometimes called a Mature Driver, Driver Improvement, or Accident Prevention Course discount, this perk usually applies to older drivers (age 50, 55, or 60 and older, depending on where you live) who have completed a defensive driving or driver improvement class approved by their state's DMV.

    The discount won't apply if you're taking the course as part of a court order. It can also be canceled in many states if, after receiving it, you have an at-fault accident or major moving violation.

    In 4 states — New York, New Jersey, Georgia, and Oklahoma — the discount is not age-based and is available to all drivers. And in South Carolina, the age requirement is 25.

    How much you could save: Up to 10 percent off certain coverages, which vary by state. In many states, the discount is good for 3 years after you complete your driver safety course.

    See if this discount is available in your state >

  • Good Driver discount

    How you get it: Hold a valid drivers license for at least 3 years with one or zero penalty points on your driving record.

    How much you could save: Thirty to 40 percent off your premium.

    See if this discount is available in your state >

  • Good Student discount

    How you get it: By being a full-time high school, college, or university student under 25 years old with at least a 3.0 GPA (or a "B" average, if your scale is different). At Esurance, we believe when your mind stays sharp, your driving skills tend to follow. You're typically eligible for the discount while enrolled as a student and up to one year afterward.

    How much you could save: Up to 10 percent on liability, collision, and medical payments coverages. Other discounted coverages vary by state.

    See if this discount is available in your state >

vehicle discounts on car insurance

All drivers try their very hardest (we hope) to stay safe and accident-free. But it helps to have a little backup — and that's where choosing an insurance-friendly car or truck comes into play.

We love safe vehicles because they help our customers stay out of harm's way, whether it's by avoiding car accidents, protecting passengers when accidents do happen, preventing breakdowns, or deterring thieves. And when your insurer loves something this much, you tend to get auto discounts and savings for it.

  • Multi-Car discount

    How you get it: Safety isn't a factor with this one. All you need to do is insure more than one car on the same Esurance car insurance policy.

    How much you could save: The amount varies from policyholder to policyholder.

    See if this discount is available in your state >

  • Anti-Theft discount

    How you get it: By insuring a car or truck that has an approved theft deterrent. In some states, this could be as simple as a car alarm (active or passive), while in others it means a vehicle recovery system such as LoJack®, OnStar®, or Teletrac®. Check with us to see what the requirements are where you live and which anti-theft systems are accepted.

    How much you could save: Between 5 and 25 percent off your comprehensive coverage, depending on what kind of anti-theft devices your car has and where you live.

    See if this discount is available in your state >

  • Safety Device discount

    How you get it: Typically, by insuring a car or truck that has manufacturer-installed airbags or automatic seat belts.

    How much you could save: Between 2 and 33 percent on medical payments coverage and/or personal injury protection, depending on your state and the quality and number of safety devices. The more safety features, the merrier: Cars with side airbags and dual front airbags often get more savings than those with dual airbags alone.

    See if this discount is available in your state >

  • DriveSense™ discount

    How you get it: Drive a non-hybrid, non-electric, 1996 or newer model car and install an Esurance telematic device. The device records and transmits vehicle data, which is used to determine your discount (and as always, we maintain your privacy). Find out more about the DriveSense program here.

    How much you could save: Five or 10 percent (depending on your state) when you sign up. After that, you could earn a personalized discount each policy term based on your driving. The safer you drive, the more you could save.

    Rest assured, we'll never raise your rates based on your participation in the program. You may, however, see a change in your premium if your DriveSense discount changes. Your discount is personalized based on your driving habits, which means it could go up and down from term to term.

    See if this discount is available in your state >

  • Antilock Brakes discount

    How you get it: Insure a car that has antilock brakes.

    How much you could save: Five percent off certain coverages.

    See if this discount is available in your state >

get discounts on car insurance

Whether you just bought a fresh set of wheels or you've found new ways to cash in with your old ones, get a free car insurance quote today and learn how to snag savings on your auto policy.

If you're already an Esurance policyholder and have questions about your discounts, call us anytime at 1-800-ESURANCE (1-800-378-7262).

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