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Auto insurance discounts and savings

From safe driving programs to good student discounts, we’ve got lots of ways to help you save.

Get an auto quote

Retrieve a saved quote

Auto insurance discounts and savings

From safe driving programs to good student discounts, we’ve got lots of ways to help you save.

Get an auto quote

Retrieve a saved quote

Quality protection can be affordable.

You might be looking for cheap car insurance but don’t want to sacrifice quality or service to save money. Our members saved an average of $840 on their annual premium when they switched to USAA Auto Insurance.‍ ‍

We offer great coverage and many discounts and savings to help make your car insurance more affordable.

Already have a policy?

If you have an auto policy with us, you can review your current discounts and make updates on your account summary.

Save with one of our safe driving programs.

When you get a car insurance quote, you’ll have the option to enroll in one of these app-based programs.

USAA SafePilot®

Better driving means bigger discounts. Find out how you can improve your driving with SafePilot.

  • Get up to 10% off when you enroll, and earn up to 30% off your premium‍ ‍ at renewal for safe driving
  • Mobile driving app required for participating drivers

USAA SafePilot Miles™

Driving less? Save more with USAA SafePilot Miles.

  • Up to 20% savings for lower mileage and an earned driving discount of up to 20% off your premium‍ ‍ for driving safely
  • Monthly rate adjusted based on mileage and other factors
  • Mobile driving app required for every driver

Bundle and save on car insurance.

Save up to 10% when you package homeowners or renters insurance with auto insurance.‍ ‍

Learn about bundling

Safe driving gets you discounts.

Clean driving record

Maintain a good driving record for more than 5 years, and you could get a safe driver discount.‍ ‍

Defensive driving

Eligible drivers can save money by completing an approved accident prevention course.‍ ‍

Driver’s education

New drivers can earn this discount after completing a basic driving course.‍ ‍

Stack discounts to save the most on your coverage.

Good student

Maintain good grades and be a full-time student to earn the Good Student Discount.‍ ‍

Multi-vehicle

Save automatically when you have 2 or more vehicles on a policy.‍ ‍

New vehicle

If your vehicle is less than 3 years old, you may qualify.‍ ‍

Anti-theft

Vehicle recovery systems like LoJack® and OnStar® or car alarms can help you qualify.‍ ‍

Storage

Save up to 60% if you put your car in storage.‍ ‍

Save while you serve.

You could save up to 15% on comprehensive coverage if you garage your car on base.‍ ‍

Get a discount for being a legacy member.

Continue the USAA Auto Insurance tradition that your parents started, and you could save up to 10% on your own policy with the MyUSAA™ Legacy Discount.‍ ‍

More ways to save on car insurance

There are a few other ways you can lower your premium.

Increase your deductible.

Paying more out of pocket could lower your premium.

Drop collision or comprehensive coverage.

If your car is paid off and worth less than your insurance costs, you might consider dropping collision and comprehensive coverage.

Choose a different car.

Consider a vehicle that's cheaper to repair.

Car insurance resources

Why did my car insurance rate go up?

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Read article: Why did my car insurance rate go up?

How can a safe driving app save you money?

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Read article: How can a safe driving app save you money

Avoid overspending: Tips for car buying and insurance

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Read articleAvoid overspending: Tips for car buying and insurance

Unlock auto insurance discounts and save big.

Get an auto quote

Retrieve a saved quote

Unlock auto insurance discounts and save big.

Get an auto quote

Retrieve a saved quote

Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. Potential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.

  2. The USAA SafePilot® and USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.

    USAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.

    USAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.

    USAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.

    Review the Program Terms and Conditions (Opens in New Window) for more information.

  3. Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

  4. United Services Automobile Association discounts and savings for safe drivers may include, but are not limited to, the Premier Driver Level, Premier Driver Discount, Good Driver Discount (California) and Safe Driving program. Not available in all locations. Restrictions may apply.

  5. In some locations, discounts/credits may not be available if driver has any accidents or convictions in the past three years. Other restrictions may apply.

  6. Discounts may not be available in all locations and are subject to change, other restrictions may apply.

  7. Anti-theft discount does not apply in all states and may require annual certification. Restrictions apply.

  8. Storage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.

  9. This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.

  10. To be eligible for this discount, the former dependent must have established eligibility through a USAA group sponsor’s policy and be less than 25 years old. Additional requirements may apply. Not available in all locations.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

    Learn about USAA's use of Artificial Intelligence.

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