From your coffee to your car to your Spotify playlists, in the modern world you can customize just about everything. And so it stands to reason, that when it comes to your car insurance discounts, you want to make sure you’re getting every discount that’s right for you.

Esurance offers a full set of discounts designed with you in mind. From vehicle discounts to driver discounts, we’ve got lots of ways to help you save on your auto insurance.

When you get a quote with Esurance, we’ll automatically match you with the discounts you qualify for. By creating your personalized list of discounts, we help to make sure you get every discount you deserve and only pay for what’s right for you, not someone sorta like you.

Esurance car insurance discounts

So what exactly does one have to do to receive an awesome discount (or 3) on car insurance? Check out some of the awesome (and easy-to-get) discounts we offer in 30+ states nationwide.

1. Fast 5 discount®

How you get it: Just start a personalized quote online at

Savings: You could save 5 percent off your first-term premium.

See if this discount is available in your state.

2. 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.

Savings: You could save up to 10 percent off your premium.

See if this discount is available in your state.

3. Switch & Save® discount

How you get it: Just by switching your auto insurance to Esurance from another company without any lapse in coverage in between.

Savings: In many states, you could save 5 percent off your premium, and it’s available for your first 2 terms. ​

See if this discount is available in your state.

4. Claim-free discount

How you get it: Well, just by driving safely. The qualifications vary by state but there are some common themes:

  • 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-plus 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.

Savings: You could save 10 to 25 percent off your premium, depending on your state.

See if this discount is available in your state.

5. Homeowners discount

How you get it: Just by being an Esurance customer who owns a house or condo (or has a spouse who owns one). Generally, you can prove your home ownership through property tax records, a mortgage coupon, or a homeowners insurance declarations page.

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Savings: Savings vary between drivers and states.

See if this discount is available in your state.

6. 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 (aged 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.

In 5 states — New York, New Jersey, North Dakota, Georgia, and Oklahoma — the discount is not age-based and is available to all drivers. And in South Carolina, the age requirement is 25.

Savings: 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.

Related: How to get safety discounts on car insurance

7. Good student discount

How you get it: Attend a full-time high school, college, or university, and be under 25 years old, and have at least a 3.0 (“B”) grade point average. You’re typically eligible for the discount while enrolled as a student and up to one year afterward.

Savings: You could earn up to 10 percent off liability, collision, and medical payments coverages (other discounted coverages vary by state).

See if this discount is available in your state.

Related: Find out about the Pac-12 discount

8. Multi-car discount

How you get it: Qualify by insuring more than one vehicle on the same Esurance auto insurance policy.

Savings: Savings vary from policyholder to policyholder.

See if this discount is available in your state.

Want to learn more?

Discounts vary depending on where you live. See which discounts are available in your state here.

To see even more Esurance car insurance discounts, check out our comprehensive list.

Stuff our legal team makes us say

Discounts subject to eligibility. Coverages may vary between and are not available in all states. Terms, conditions, and exclusions may apply.                                            

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about Rachael

After studying Literature and Writing in San Diego, Rachael said farewell to her sunny hometown and left for San Francisco to revel in the fog. When she’s not writing Tweets and blogs and all manner of copy for Esurance, Rachael spends her free time hiking, enjoying the sparse sunshine at Ocean Beach, and seeking out the best reading spots in the city.