Membership or Group Auto Insurance Discount

Through some insurance providers, you can earn a membership or group auto insurance discount. From AAA cardholders and Costco memberships to unions and Alumni Associations, 12 major companies currently offer an affordable membership or group auto insurance discount. On average, expect membership or group auto insurance discount rates to be 12% cheaper than average.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Currently, 12 major insurance companies offer membership or group auto insurance discounts
  • On average, drivers save 12% on their premiums with this discount
  • While qualification rules vary drastically from provider to provider, thousands of groups and memberships are eligible

If you’re part of a professional group or club, you may qualify for a membership or group auto insurance discount.

Keep reading to learn how to secure discount auto insurance for firefighters, union members, wholesale cardholders, or even Federal Employee Auto Insurance Discounts.

After learning about affordable membership or group auto insurance discount rates, remember to enter your ZIP code into our free tool above to receive accurate quotes from the best providers near you.

What companies offer a membership or group auto insurance discount?

A membership or group discount is one of the auto insurance discounts to ask for if you’re part of a group, school, club, membership, or union.

Those looking for a membership or group auto insurance discount company have 12 national providers to compare.

Take a look at the comprehensive list below:

  • AAA
  • Ameriprise
  • Esurance
  • Farmers
  • Liberty Mutual
  • MetLife
  • Nationwide
  • Safeco
  • The Hanover
  • The Hartford
  • Travelers

Keep in mind that each provider uses different eligibility rules and provides drivers with varying levels of savings.

For example, Ameriprise gives a 15% discount to Costco Gold Star and Executive members. The Hartford includes employees and AARP members.

On the other hand, Nationwide provides a discount to over 1,000 groups, companies, unions, and schools. The range at MetLife is even more extensive, covering 15,000 or more groups.

Your age, driving record, and coverage needs also impact your annual auto insurance rates.

Therefore, to secure your lowest prices, compare quotes from multiple providers online and remember to ask about additional discounts.

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What is a membership or group auto insurance discount?

Participating auto insurance companies offer group discounts or rate reductions to customers who are members of partner organizations.

However, qualification rules and savings amounts vary widely from one provider to the next.

For example, some companies offer rate reductions to professional unions or crews. In fact, according to the U.S. Bureau of Labor Statistics, 10.8% of all wage and salary workers in America are union members.

You can expect discount auto insurance for nurses, teachers, police officers, firefighters, and other public works crews.

Others companies offer this discount to wholesale cardholders, like Costco and Sam’s Club members.

When it comes to the GEICO discounts list, Alumni Associations, Fraternities, and Sororities are eligible to earn GEICO membership discounts.

If you’re an insurance company employee, you might also receive a group or membership discount, including people who work for The Hartford and Safeco.

According to the GEICO employee discounts list, team members receive insurance rate reductions and additional auto service and car loan benefits.

Membership or Group Auto Insurance Discount: The Bottom Line

Auto insurance companies have partnered with thousands of groups across America in hopes of providing rate reductions to drivers.

Therefore, it’s worth checking if your Costco card or alma mater might help you save money on your auto insurance.

Now that you’ve learned how to buy membership or group discount auto insurance, start comparison shopping by entering your ZIP code into our free tool below and immediately receive rates from the best companies near you.

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