As one of the most cost-effective insurance providers for former and current members of the United States military, USAA offers a variety of discounts for safe drivers, good students, and more. With multiple discounts applied, customers can significantly cut back on their already-affordable premiums.

If you’re serving or have served in the U.S. military, you have access to

cheap car insurance

through the United Services Automobile Association (USAA)—and your rates can be even more wallet-friendly with discounts. However, knowing which discounts you’re eligible for takes a bit of research or a call to a USAA agent. Either method can uncover significant savings without changing anything about your driver profile.

Which discounts should

USAA members

look for? Let’s walk through the options.

What auto insurance discounts does USAA offer?

USAA

offers

auto insurance discounts

distributed into three categories:

safe driving discounts

(for those who prove they can practice caution on the road), vehicle discounts (related to usage and age), and policy discounts (regarding family dynamics and membership styles).

Current and former military members can combine multiple discounts based on eligibility, which can add up to serious savings for themselves and their families.

USAA safe driver discounts

Practicing safe driving habits is a quick way to earn the trust of your insurance provider and earn savings on your premium. Demonstrating responsible practices on the road offers more data to your insurance provider, and USAA is quick to reward cautious behavior.

Here are USAA’s safe driver discounts:

USAA

SafePilot

: This telematics program tracks your speed, acceleration, braking, and overall driving habits. You can save 10% on your premium by simply signing up and up to 30% for consistently driving safely.

Safe driver: Maintaining a squeaky-clean driving record for more than five years can land you a discount with USAA.

Defensive driving: Bolstering your knowledge of safe driving habits with an approved defensive driving course comes with a discount for USAA members.

Driver training: Improving your driving skills with a driver’s education or training course translates to a lower premium through USAA.

Good student: Full-time college and high school students with a B average on their transcripts can benefit from savings on their USAA rates.

MORE:

Is USAA SafePilot worth it?

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USAA vehicle discounts

The age, make, and model of your vehicle influence the rates USAA will offer you. For example, a

new car

with no damage and updated parts will get you a lower premium. How often you drive your car also affects your payments, since a car with low mileage is less likely to be involved in an accident on the road.

These are the vehicle discounts available through USAA:

New vehicle: Just drove off the lot with a brand-new car? You can save on your premium with USAA.

Multi-vehicle: Many USAA customers have family members under their policy, and insuring multiple vehicles results in a discount.

Annual mileage: Less usage equals less risk, and drivers with less than 12,000 miles clocked per year can access savings.

Vehicle storage: If your vehicle is in storage because you’re deployed or don’t drive often, it’s safe from damage—and prime for insurance savings.

MORE:

Good driving record discounts, explained

USAA policy discounts

Last but not least (least expensive, maybe), let’s explore USAA’s discounts for certain policy types.

Family: If you were ever listed as a member of a USAA customer’s family, you can earn a discount.

Length of membership: USAA rewards loyalty, and those who have been customers for longer than six months can get savings on their premiums.

Military installation: Similar to the storage discount, USAA customers can save money if their vehicle is stored on a military base.

No payment plan fees: Paying with a lump sum for your premium upfront earns you a discount through USAA.

Multi-policy: USAA customers who go beyond auto insurance to purchase homeowners or life insurance can earn a discount.

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Can I keep my USAA insurance after a divorce?

Does USAA have good car insurance discounts?

Since USAA ranks in the top five cheapest national insurers, it’s clear that you can score competitive rates as a customer. However, only military members (current and former) and their families qualify for a policy through USAA. They also don’t disclose exactly how much you can save with discounts.

USAA’s SafePilot’s potential savings of 30% is competitive with other companies, like

Progressive

and

Travelers

, but it’s only accessible to current members. With 14 discounts offered, there are plenty of opportunities for USAA customers to cut back on their premiums, especially with cheaper rates to begin with.

Overall, if you qualify as a customer of USAA and have a

clean driving record

, you might just have one of the most affordable policies out there.

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FAQs

Does USAA offer a military discount?

No. Since USAA is only available to active military members, veterans, and their families, their rates are already tailored to their needs.

What is the USAA senior discount?

USAA doesn’t offer

a senior discount

. Although seniors can qualify for the defensive driver discount, drivers of any age are eligible for it. Another option many seniors can take advantage of is the multi-vehicle discount if they’re married or live with family members.

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