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Getting an Affinity Group Auto Insurance Discount

April 29, 2016

Did you know being a member of an affinity group could help you save money on car insurance? It’s one of several easy auto insurance discounts available to any driver that aren’t based on your vehicle or driving record. So what is an affinity group? Compare.com has all you need to know.

Affinity group definition

affinity group discountAn affinity group is any organization or group formed around a common interest or for a specified purpose. This includes businesses, clubs, fraternities and sororities, or other groups that exist for a common purpose such as AARP, AAA, and others.

In terms of auto insurance discounts, an affinity group discount is granted to a club, business, or organization as part of an agreement in which the group agrees to encourage its members to purchase insurance from a certain auto insurance provider. These discounts vary from group to group and average between 5% and 20%.

The pros of an affinity group discount

In addition to savings, some affinity groups may offer special packages or additional discounts. It’s not uncommon for employees of a large business to have access to a discounted insurance package (though this is more common in healthcare). Such a package would have pre-defined limits and coverages, but employees would have access to it, often at a significantly discounted rate. The reason this works is because it follows the “buy in bulk” logic. By offering this deal to a business that employs hundreds of workers, the insurance company knows that they will have a tremendous number of new policies. This means that they can offer those policies for less.

The cons of an affinity group discount

Everyone loves a discount, but auto insurance – like many other types of insurance – is a very personalized product. The type and levels of various coverages you need depend on specifics such as your car, your driving record, and your family members. That’s not even taking into account your personal finances and ability to pay. For that reason, affinity group discounts can result in you purchasing a less personalized coverage and therefore not being effectively covered (or at least not being covered as well as you could or should be).

You can still get your discount

If you’re looking for an auto insurance discount you can still get an affinity discount without purchasing an affinity group plan. Members of AAA or AARP can typically expect a 10% discount just for being a member. You may not get the deep savings offered by an affinity group policy, but ten percent isn’t a bad place to start. Keep in mind that this is in addition to any other discount for which you qualify, including discounts for anti-theft devices, safety equipment, and more. Different insurers offer different discounts, so shopping around can help you get the most discounts. It’s the best way to find the lowest price for a car insurance policy that meets your specific needs. You don’t even need to go far to do it. Compare.com can deliver multiple quotes from different insurers while checking for all available discounts that could be available to you. Find the best price on car insurance by getting a free car insurance quote now.


Buying auto insurance can be a confusing and disorienting process. We want to make sure that our users can make informed choices about their car insurance, selecting from as many options as possible. Read our Auto Insurance Buying Guide to educate yourself before you start a quote.

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