If you’re renewing your auto insurance soon, loyalty can pay off. Many insurers reward long-term policyholders with renewal discounts, helping you save just for sticking around. Here are 8 top auto insurance brands that currently offer some of the best renewal discounts plus tips to maximize your savings when you renew.
1. Allstate
- What they offer: According to Policygenius, Allstate gives a 10% loyalty discount at every renewal. policygenius.com
- Why it’s good: This is a straightforward, automatic discount just for renewing no special behavior required.
- Pro tip: Combine this with their multi-policy or bundling discounts (e.g., auto + home) to maximize savings.
2. State Farm
- What they offer: Insure.com lists State Farm as offering up to 18% for loyalty / renewal. Insure.com+1
- Why it’s good: For long-term customers, this is one of the more generous loyalty discounts among major insurers.
- Pro tip: If you’re safe on the road, ask about telematics / usage-based programs like Drive Safe & Save,they may stack with your renewal discount.
3. Liberty Mutual
- What they offer: Liberty Mutual is named by AutoInsurance.org as offering “persistency” discounts of up to 25% for long-term customers. autoinsurance.org
- Why it’s good: That’s a very high potential discount, especially for customers who renew for many years.
- Pro tip: Talk to an agent about other “right-track” style programs sometimes keeping your policy and staying in the program yields more value than switching.
4. Progressive
- What they offer: According to CarsKnowledge, Progressive can give a loyalty discount of up to 13% for customers who stay with them for three+ years. carsknowledge.com
- Why it’s good: Progressive is often competitive with pricing and has lots of other discount programs loyalty just adds another layer.
- Pro tip: Use their “Name Your Price” tool when shopping renewal options, but also confirm how much of the price is being reduced via loyalty discount.
5. GEICO
- What they offer: According to CarsKnowledge, GEICO’s loyalty discount can reach 10% for customers with consistent renewals. carsknowledge.com Insure.com also lists GEICO among providers with loyalty/renewal discounts (e.g., average ~3% in some places). Insure.com
- Why it’s good: GEICO is already known for relatively low base rates; adding loyalty savings helps further.
- Pro tip: Because GEICO’s loyalty discount isn’t massive in all states, it’s worth comparing what you’d pay with other insurers at renewal sometimes switching may still save more.
6. USAA
- What they offer: Insure.com’s policy-based discounts table shows USAA giving a renewal discount (loyalty) around 5%, though this may vary. Insure.com
- Why it’s good: While 5% may not seem huge, USAA tends to have very competitive rates overall so any loyalty bonus helps.
- Pro tip: Make sure you’re checking all “safe driver” or telematics discounts in addition to loyalty, they often stack for USAA.
7. Nationwide
- What they offer: According to CarsKnowledge, Nationwide offers up to 8% loyalty discount after maintaining several years of coverage. carsknowledge.com
- Why it’s good: A steady, predictable loyalty discount makes renewals more attractive especially for customers who want long-term stability.
- Pro tip: Ask your agent for a renewal review every few years sometimes loyalty + other discounts (multi-policy, safe driver) can really compound.
8. Amica Mutual
- What they offer: According to PolicyGenius, Amica offers “legacy” or renewal-type discounts for policyholders, including younger adults whose parents have had Amica coverage for years. policygenius.com
- Why it’s good: Amica’s mutual company structure often means they’re more customer-focused, and these legacy or loyalty perks are a tangible way they reward long-term customers.
- Pro tip: If you’re eligible for legacy discounts (e.g., children of long-term policyholders), make sure to highlight that during renewal agents may not always bring it up.
How to Maximize Renewal Discounts
To get the most from your renewal discount:
- Ask for a “persistency review” At each renewal, speak to your agent or customer service about your loyalty discount and what you qualify for.
- Bundle your policies Combining auto with home, renters, or other policies often unlocks extra savings.
- Use telematics / usage-based programs:These programs can stack with renewal discounts, depending on the insurer.
- Check state-specific policies:Not all discounts apply in every state. According to Insure.com, some discounts (like early renewal) vary by region. Insure.com
- Shop around at renewal :Even with a loyalty discount, switching insurers might save you more but make comparisons smartly, factoring in your renewal discount.
Why This Matters for You
- Loyalty pays: Staying with an insurer can result in significant savings over time.
- Smart renewal = smart money: By proactively negotiating or bundling, you can capture more value.
- Affiliate opportunity: If you partner with comparison tools, you can point your audience to quote services showing these loyalty-friendly insurers.
If you’re due for renewal soon, get free quotes from multiple insurers especially from these 8 companies and compare what your new rate would look like with vs without their loyalty discount. Use a trusted comparison tool (or your affiliate link) to lock in the best deal.
In another related article, 8 Auto Insurance Companies Offering the Best Renewal Deals This Year
