A comprehensive List of Home & Auto Insurance Discounts

Here is a researched list of common and uncommon discounts for home and auto insurance. Discounts, availability, and specific requirements can vary significantly between insurance companies and states.

Bundling & General Policy Discounts

These discounts are often related to how you structure or pay for your policies and can apply to both home and auto.

Discount: Multi-Policy (Bundling)

Applies to: Both
What it is: A discount for purchasing multiple insurance policies, such as home and auto, from the same company. This is one of the largest and most common discounts available.
Typical Requirements: Must purchase two or more distinct policies (e.g., Home + Auto, Renters + Auto) from the same insurance provider.
Source/Note: Commonly offered by almost all major insurers.

Discount: Paid-in-Full

Applies to: Both
What it is: A small discount for paying your entire 6-month or 1-year premium at once rather than in monthly installments. This saves the company administrative costs.
Typical Requirements: Pay the full policy premium at the start of the term.
Source/Note: Commonly offered.

Discount: Automatic Payments (EFT / Easy Pay)

Applies to: Both
What it is: A small discount for setting up automatic payments from your bank account (EFT) or credit card.
Typical Requirements: Must enroll in the insurer’s automatic payment plan.
Source/Note: Commonly offered.

Discount: Loyalty Discount

Applies to: Both
What it is: A discount that rewards you for being a long-time customer. The discount often increases the longer you stay with the company.
Typical Requirements: Be a continuous policyholder with the same company for a set number of years (e.g., 3-5+ years).
Source/Note: Commonly offered.

Discount: Early Signing (Advance Quote)

Applies to: Both
What it is: A discount for shopping for your new policy and signing up before your current policy expires. Insurers like to have your business locked in early.
Typical Requirements: Get a quote and purchase the new policy a certain number of days (e.g., 7-10 days) before your old policy’s expiration date.
Source/Note: This is a common but often-missed discount.
Link: https://www.allstate.com/home-insurance/home-insurance-discounts

Discount: Occupation / Affinity Group

Applies to: Both (but more common for Auto)
What it is: A discount for being a member of a certain profession (e.g., teachers, nurses, firefighters, engineers) or a partner organization (e.g., university alumni, unions, military).
Typical Requirements: Provide proof of employment in a qualifying occupation or membership in a partner organization.
Source/Note: This is a less-common discount that is not widely advertised.
Link: https://mcleodinsagency.com/blog/overlooked-auto-insurance-discounts/

Home Insurance Discounts

These discounts are specific to your property and its features.

Discount: Protective Devices

Applies to: Home
What it is: A discount for having safety and security devices in your home that reduce the risk of fire or theft.
Typical Requirements: Varies by device. Can include smoke detectors, fire alarms, burglar alarms (a larger discount if centrally monitored), deadbolt locks, and fire extinguishers.
Source/Note: Very common.

Discount: Smart Home Discount

Applies to: Home
What it is: An advanced version of the protective device discount, specifically for smart devices that monitor for water leaks, smoke, or intruders and send alerts to your phone or a monitoring service.
Typical Requirements: Must have qualifying smart home devices (e.g., smart thermostats, water-leak sensors, smart locks).
Source/Note: This is a newer discount that not all companies offer yet.
Link: https://copelandins.com/best-home-insurance-discounts/

Discount: Claims-Free Discount

Applies to: Home
What it is: A discount for not filing any home insurance claims for a set period.
Typical Requirements: Must be claims-free for 3-5 years or more.
Source/Note: Commonly offered.

Discount: New/Renovated Home

Applies to: Home
What it is: A discount for insuring a newly built home or one that has been recently and significantly renovated (e.g., new plumbing, electrical, heating).
Typical Requirements: Home must be newly constructed (often less than 10-15 years old) or have documented, recent major system renovations.
Source/Note: Common. Newer systems are less likely to fail and cause damage.

Discount: New Roof Discount

Applies to: Home
What it is: A specific discount related to the age and quality of your roof, as roof failure is a major source of claims.
Typical Requirements: Must have a new roof (age varies by insurer) or a roof made of specific impact-resistant materials (e.g., Class 4 shingles).
Source/Note: Very common, especially in areas prone to hail or wind.
Link: https://www.nationwide.com/personal/insurance/homeowners/pages/discounts

Discount: Wind Mitigation

Applies to: Home
What it is: A significant discount (especially in coastal states like Florida) for homes with features that reduce wind damage from hurricanes.
Typical Requirements: Must have a certified wind mitigation inspection verifying features like storm shutters, impact-resistant windows, or reinforced roofing.
Source/Note: This is a less-common, region-specific discount that can save you a lot of money.
Link: https://www.allstate.com/home-insurance/home-insurance-discounts

Discount: Gated Community / HOA

Applies to: Home
What it is: A discount for living in a community with added security measures.
Typical Requirements: Home must be in a community secured by a gate (automatic or guarded) or be part of a Homeowners Association (HOA) that maintains safety standards.
Source/Note: This is a less-common discount.
Link: https://insurify.com/homeowners-insurance/home-insurance-discounts/

Discount: Non-Smoker Discount

Applies to: Home
What it is: A small discount because non-smoking households have a lower risk of accidental fire.
Typical Requirements: No inhabitants of the home are tobacco smokers.
Source/Note: This is a more uncommon discount.

Discount: Senior / Retiree Discount

Applies to: Home
What it is: A discount for seniors, often because they are home more, which can deter theft and allow for a quicker response to issues like fire or water leaks.
Typical Requirements: Must be over a certain age (e.g., 55 or 65) and/or retired.
Source/Note: This is a less-common discount.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

Auto Insurance Discounts

These discounts are specific to your vehicle(s) and the drivers on your policy.

Discount: Good Driver (Safe Driver)

Applies to: Auto
What it is: A significant discount for maintaining a clean driving record.
Typical Requirements: No at-fault accidents, tickets, or major violations for a specified period (usually 3-5 years).
Source/Note: Universally offered.

Discount: Good Student

Applies to: Auto
What it is: A discount for young drivers on the policy who perform well in school.
Typical Requirements: Typically for high school or full-time college students under 25 who maintain a “B” average (3.0 GPA) or higher.
Source/Note: Very commonly offered.

Discount: Telematics (Usage-Based Insurance)

Applies to: Auto
What it is: A discount based on your actual driving habits. A small plug-in device or mobile app monitors behaviors like hard braking, acceleration, miles driven, and time of day. Safe driving equals a bigger discount.
Typical Requirements: Must enroll in the program (e.g., State Farm’s Drive Safe & Save, Progressive’s Snapshot) and allow the insurer to collect your driving data.
Source/Note: This is a major discount that is not traditional. Your rate is based on how you drive, not just your record.
Link: https://insurify.com/car-insurance/discounts/

Discount: Low-Mileage Discount

Applies to: Auto
What it is: A discount for people who drive less than the average person (e.g., work from home, use public transit).
Typical Requirements: Drive fewer than a set number of miles per year (e.g., 7,500 or 10,000). This may be verified by telematics or by submitting odometer readings.
Source/Note: Common, and very relevant for remote workers.

Discount: Defensive Driving Course

Applies to: Auto
What it is: A discount for voluntarily completing an approved driver safety course.
Typical Requirements: Provide a certificate of completion from an approved course. This is often targeted at senior drivers or those looking to remove points from their record.
Source/Note: Commonly offered.

Discount: Student Away From Home

Applies to: Auto
What it is: A discount for a student on your policy who is attending school far from home and does not have the car with them.
Typical Requirements: The student must be enrolled full-time in a college that is typically 100+ miles away from home and not have regular access to the insured vehicle.
Source/Note: A common discount that parents often forget to ask for.

Discount: Homeowner Discount (on Auto Insurance)

Applies to: Auto
What it is: A discount on your auto insurance policy simply because you own a home. This applies even if you don’t bundle your home insurance with the same company.
Typical Requirements: Must provide proof of home, condo, or townhouse ownership.
Source/Note: This is an uncommon discount that is separate from bundling.
Link: https://www.germaniainsurance.com/about/blogs-and-news/blogs/what-are-the-most-common-auto-insurance-discounts

Discount: Multi-Car

Applies to: Auto
What it is: A discount for insuring more than one vehicle on the same policy.
Typical Requirements: List two or more vehicles (owned by people in the same household) on one auto policy.
Source/Note: Universally offered.

Discount: Anti-Theft & Safety Devices

Applies to: Auto
What it is: A discount for having vehicle features that reduce risk, such as anti-theft systems (car alarms, immobilizers) or safety features (airbags, anti-lock brakes, daytime running lights).
Typical Requirements: Vehicle must be equipped with qualifying devices. Factory-installed devices are often applied automatically by VIN.
Source/Note: Commonly offered.

Discount: New Car Discount

Applies to: Auto
What it is: A discount for insuring a vehicle that is very new, as they are considered safer and more reliable.
Typical Requirements: Vehicle must be the current model year or within 1-3 years of the current model year.
Source/Note: Commonly offered.