Occupation Discount: How Much Can You Save?
Occupation discounts are an effective way to save money on auto insurance. GEICO and AAA occupation discounts are two examples of insurance providers that offer discounted rates on car insurance to customers with specific professional backgrounds. Shop around with multiple companies in your area to find the provider offering the biggest occupation auto insurance discount.
Read more
Secured with SHA-256 Encryption
Find the Lowest Car Insurance Rates Today
Quote’s drivers have found rates as low as $42/month in the last few days!
Table of Contents
Table of Contents
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...
Melanie Musson
Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Michael Leotta
Updated January 2025
- You may be able to save money on car insurance if you work in a specific profession
- Geico car insurance customers may be eligible for occupation discounts
- AAA offers discounted car insurance to club members who work in certain fields
Auto insurance coverage is legally required in nearly every state. It’s essential to always thoroughly research your auto insurance coverage options to guarantee you find the best policy for your personal circumstances.
But while car insurance is a necessary expense, it doesn’t have to be a costly one.
Occupation discounts are a popular and effective way to save money on car insurance. Keep reading to learn how you can leverage your career into a more affordable auto insurance policy.
Curious if one or more of your local car insurance providers offers occupational discounts? Type your ZIP code into our free search tool and take a look.
Where can I get occupation auto insurance discounts?
Whether or not you qualify for cheap car insurance rates depends on several factors, including age, gender, and driving history. Your occupation may also influence your quoted monthly rates.
The table below provides a visual overview of the occupation car insurance discounts available at some of the more well-known national companies:
Occupation-Based Discounts Available by Company
| Insurance Company | Offers Further Education Discount | Offers Membership/Group Discount | Offers Occupation Discount | Offers Students & Alumni Discount |
|---|---|---|---|---|
| 21st Century | No | No | No | No |
| AAA | No | Yes | No | No |
| Allstate | No | No | Yes | No |
| American Family | No | No | No | Yes |
| Ameriprise | Yes | Yes | No | No |
| Amica | No | No | No | No |
| Country Financial | Yes | No | Yes | No |
| Esurance | Yes | Yes | Yes | Yes |
| Farmers | No | No | Yes | No |
| Geico | Yes | Yes | Yes | Yes |
| Liberty Mutual | Yes | Yes | Yes | Yes |
| MetLife | No | Yes | Yes | Yes |
| Nationwide | Yes | Yes | Yes | Yes |
| Progressive | No | No | No | No |
| Safe Auto | No | No | No | No |
| Safeco | Yes | Yes | Yes | No |
| State Farm | No | No | No | No |
| The General | No | No | No | No |
| The Hanover | Yes | Yes | Yes | No |
| The Hartford | No | Yes | Yes | No |
| Travelers | Yes | Yes | Yes | No |
| USAA | No | No | No | No |
Let’s take a closer look at Geico’s occupation discounts. Geico car insurance customers may be able to knock a few percentage points off of their premiums depending on their employment status.
For example, active or retired federal employees may be eligible for up to 12% in savings. Numerous other professions also qualify for Geico occupation discounts. If you think you might meet the criteria, don’t hesitate to reach out to a representative and shop around to compare auto insurance quotes.
If you have a membership with AAA, you may qualify for some of their auto insurance discounts. AAA occupation discounts vary in terms of the percentage discounted but are available to engineers, healthcare workers, and teachers, among others.
Read more:
- Cheap Auto Insurance Rates for Health Care Workers
- Federal Employee Discount: How Much Can You Save?
- Discounts, Discounts, Discounts
Occupation Auto Insurance Discounts: The Bottom Line
Why spend more on auto insurance than you have to? If your professional background qualifies you for a discounted rate with your provider of choice, then take advantage of it.
Geico and AAA are only two examples of auto insurance companies that offer occupation discounts, so shop around with multiple companies in your area before you buy auto insurance to lock in the best rates.
Are you ready to find a new car insurance policy with an occupation discount? Enter your ZIP code into our free search tool for a customized selection of policy quotes.
Related Articles
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption