The most valuable discounts this year cluster around how you bundle, how you drive, and how you pay.

Major discount types (with typical ranges)

• Multi-policy (auto + home/renters/other): Often 10%–25% off one or both policies; some bundles reach 30%–40% in total savings at certain carriers.
• Multi-car: Insuring 2+ vehicles with the same company can shave about 10%–25% off the auto portion.
• Safe driver / good driver: Clean record (no at-fault accidents or major violations for 3–5 years) can earn up to 30% at top carriers such as USAA, with many others in the 10%–25% range.
• Telematics / usage-based: "Drive safe & save"–style programs using apps or plug-ins can provide 20%–40%+ off if you drive fewer miles and score well on braking, acceleration, and time of day.
• Low-mileage: Simply reporting annual miles below roughly 7,500–10,000 can generate 6%–20% savings; some mileage-based programs advertise up to 40% for very low usage.
• Good student: Full-time students ages roughly 16–25 with at least a B (3.0) GPA or top-20% class rank typically get 5%–20% off, depending on carrier.
• Homeowner: Owning a home can itself generate 5%–15% off auto, even before any true bundle is applied.
• Vehicle safety / anti-theft: Airbags, anti-lock brakes, and anti-theft devices often qualify for 5%–35% off portions of the premium at carriers like Liberty Mutual and others.
• Payment & account behavior (auto-pay, pay in full, early-shopper): Enrolling in auto-pay, paying the full 6–12-month term, or renewing before expiration can each add ~3%–10% discounts.

Carriers currently known for rich discount menus

Farmers and GEICO each list about 23 distinct discounts, including standard and niche ones (e.g., daytime running lights) that can stack. Allstate and State Farm are also called out as top providers when you layer multi-policy, multi-car, and safe-driver savings.

Bundling is one of the highest-leverage moves because you are compressing margin on two products at once.

Typical bundle ranges in 2026

Many large carriers publicly advertise "up to" 20%–25% off when you bundle home and auto, but the realized discount is often 10%–20% in practice.

Some companies, especially regional or mutual insurers, promote even more aggressive bundle savings in certain states, with top examples for 2026 including:

• American Family: Up to 40% bundle discount.
• Amica: Up to 30%.
• Country Financial: Up to 30%.
• Erie: About 15%–25%.
• State Farm: Marketing focuses on "up to about $1,400 per year" in combined savings for some profiles rather than a fixed percent.

How this translates in dollars

One nationwide review of bundles shows carriers advertising around $950–$1,356 average annual savings when you bundle, depending on company and profile. Another ranking notes USAA's bundle discount at up to around 10%, but only for the military community, illustrating how bundle strength varies widely by carrier.

Key nuance

The % bundle discount is applied to each line's base premium, so a 15%–25% discount on both a $1,800 auto policy and a $1,500 home policy can easily yield $500–$800+ annual savings, and more at bundle-heavy carriers like American Family.

No single company is always cheaper; it depends heavily on risk profile, credit tier, and violations, but current averages show GEICO generally ahead for standard and good-credit drivers while Progressive has advantages for some high-risk segments.

Average rate levels

A 2025 rate study comparing the two brands side-by-side shows:

• State-minimum coverage: GEICO around $405 per year average for minimum coverage in one dataset; another table rounds to about $1,764 per year for typical drivers overall (fuller coverage). Progressive about $549 for state minimum and roughly $1,992 per year average overall.
• Full coverage (approx. 100/300/100 liability with $500 comp/collision deductibles): GEICO about $1,763–$1,764 annually. Progressive around $1,998–$1,992 annually, so roughly $230 more than GEICO for a standard full-coverage profile in that study.

Another independent comparison finds similar patterns:

• For a "good driver" profile — GEICO: about $1,268; Progressive: about $1,562.
• For drivers with good credit — GEICO averages around $1,445 vs Progressive's roughly $1,613.
• For minimum liability — Progressive averages roughly $577 vs GEICO's $380, again showing GEICO cheaper for clean-risk drivers in that dataset.

Where Progressive can win

The same comparison notes that Progressive can be more competitive for some higher-risk scenarios. For a driver with a recent DUI, Progressive averages about $1,959, while GEICO's DUI rate is higher at roughly $2,892. For young drivers per-month averages, Progressive is around $160, while GEICO is about $132, but differences can shrink or reverse by state or violation history.

Qualitative comparison snapshot

• Typical base rate (good risk): GEICO generally has lower average premiums for minimum and full coverage. Progressive often has higher base rates for standard drivers.
• High-risk drivers (e.g., DUI): GEICO rates can jump sharply after serious violations. Progressive is often more competitive for high-risk profiles.
• Discounts / programs: GEICO offers many discounts with strong mileage & telematics savings potential. Progressive has a broad discount set and strong usage-based options, especially for risk-tiered pricing.
• Financial strength: GEICO holds AM Best A++ with a slightly higher overall internal score in one comparison. Progressive holds AM Best A+, still strong but a notch below GEICO in that metric.

Because each uses its own risk model, the only way to know which is cheaper for you is to quote both using identical coverages and deductibles.

Low-mileage is one of the most undervalued levers; if you're under about 7,500–10,000 miles per year, you can often stack both "traditional" low-mileage discounts and telematics-based savings.

Define low mileage clearly

Many insurers treat under ~7,500 miles per year as classic low-mileage, with discount tiers that taper off as you approach 10,000–12,000 miles. A national analysis shows low-mileage discounts in the 6%–20% range for sub-7,500 miles, dropping to 2%–7% by 10,000–15,000 miles.

Specific programs and savings potential

• Usage-based / pay-per-mile: Nationwide SmartMiles and similar programs can cut bills by up to about 40% for sub-10,000-mile drivers, combining per-mile charges with lower fixed rates.
• GEICO's mileage factor: GEICO doesn't market a standalone "low-mileage discount" but bakes mileage deeply into its rating; one analysis estimates around 27% savings when you report 7,500 vs 15,000 miles annually, especially when combined with its DriveEasy telematics app.
• Other carriers (Nationwide, State Farm, etc.): Frequently pair mileage benefits with telematics that reward both low miles and safe habits, reaching 30%–40%+ in some programs.

Concrete actions low-mileage drivers should take

Be precise (and honest) about annual mileage estimates during quoting; if your odometer or commute changed post-pandemic, update it with your carrier. Ask specifically for:

• Low-mileage discount tiers (sub-7,500, sub-10,000 miles).
• Pay-per-mile or hybrid programs like SmartMiles or Milewise if you drive very little.
• Telematics options (e.g., GEICO DriveEasy, State Farm Drive Safe & Save) and confirm both the potential maximum discount and whether rates can rise based on poor telematics data.

Avoid negating the benefit: if you sign up for telematics and then increase driving distance or begin commuting at rush hour, your discount may shrink or disappear at renewal.

A rough scenario

A driver paying about $2,200 per year at 15,000 miles switching to 7,500 miles could see the base premium fall into the ~$2,000 or lower range purely from mileage, and possibly down toward ~$1,800 or below with telematics and stacked discounts.

Good student discounts remain one of the most reliable savings sources for households with teen or college drivers.

Typical qualification criteria

Across multiple carriers, the common pattern is:

• Age: Generally between 16 and 25 years old.
• Marital status: Typically unmarried.
• Enrollment status: Must be a full-time student in high school, college, university, or an eligible vocational/technical or homeschool program.
• Academic performance (usually any one of these): Overall B average (3.0 GPA) or better; in the top 20% of their class by rank; or in the top 20% nationally on standardized tests such as the SAT, ACT, PSAT, or certain state exams.

An insurer may also require that the student lives primarily at home or, if away at school more than a set distance (e.g., 100+ miles) without a car, this can trigger an additional "student away at school" discount on top.

Discount size by carrier

Many standard carriers offer 5%–20% discounts on the auto premium for qualifying students. Example specifics:

• State Farm: Good students save around 17% on minimum coverage, with average student premiums reduced to roughly $156 per month in one analysis.
• USAA: Offers a smaller good-student discount of around 5%, but its base rates for students are already lower than many competitors.
• Direct Auto: Advertises up to 10% off for qualifying good students (unmarried, full-time, B average or better, or top 20% of class).

Proof and maintenance requirements

Insurers generally require documentation such as report cards, transcripts, or verification letters each policy term or academic year. If the GPA drops below B or the student moves to part-time status, the discount may be removed at the next renewal, so it's important to submit fresh proof on time.