Ok, hear me out: drinking less alcohol always reduces your cost of living. You’re not paying for $15 cocktails at bars; you’re not springing for expensive wine or liquor to celebrate. You’re also not ordering extra fast food in the wee hours of the morning in a futile attempt to sober up.

But we were surprised to learn that not drinking can actually save you money on several kinds of insurance, too! Here’s how:

Save on your life insurance: If you drink heavily and regularly, you may be denied a life insurance policy to begin with. Even if you drink more than the recommended low-risk moderation limits for your country, you’ll likely pay a higher premium for life insurance. It’s part of an insurer’s estimate of how healthy you are - the less alcohol you drink, the better.
Save on your car insurance: While the big guys (Geico, State Farm, or Progressive) don’t, several smaller insurers like AXA offer 1-3% discounts on car insurance for non-drinkers. It makes sense: non-drinkers are less risky to insure, because they don’t drive while impaired by alcohol. Drunk driving can result in a higher rate of accidents and even DUIs, which can be very expensive.
Save on health insurance: The higher risks associated with drinking: liver disease, heart disease, cancer, and more - result in a higher health insurance premium. See if you can get a discount by talking with your insurer and showing that you don’t drink.

The bottom line is: drinking increases risks to your life, your safety while driving, and your long-term physical health. These higher risks are reflected in a higher cost of insurance. It’s just one more way that drinking less alcohol can help you save money.

If you want to reduce the cost of your insurance by cutting back or quitting drinking, we’d love to help. Drinker’s Helper is an app that provides motivational exercises, an insightful drink tracking system that helps you understand why you drink, and a personalized support group of your peers to help you make needed changes. We’ll help you track the direct savings that come from drinking less. We’ll help you stick to a weekly limit that reduces your health risks from drinking. Plus, it’s completely anonymous - even we don’t know who our users are, and we will never ask! Start your journey to long-term health and lower risk - get the app today!