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Safe Driver Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 1, 2021

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Key Takeaways

  • Safe driving discounts can help save you money on your car insurance premiums
  • These discounts are typically offered to drivers who have no accidents, insurance claims, or tickets in the last three to five-year period
  • Each car insurance company offers slightly different incentives and has different requirements

A safe driver car insurance discount can help get you cheap car insurance from your provider. However, not all providers offer the same incentives and discounts for safe driving.

Speak with your car insurance agent to see if you qualify for a safe driver discount, what your insurance company’s safe driver discount entails, and see how much money you could potentially save.

If you’re looking for car insurance companies with the best safe driver discounts, enter your ZIP code above to compare the companies with the best safe driver car insurance discounts.

What is a safe driver car insurance discount?

Car insurance companies know that the best drivers have a clean driving record. That is why they offer discounted rates on comprehensive coverage to drivers they label safe. The qualifications for safe driving discounts will vary by company.

Typically, car insurance companies look for clean driving records over the last three to five years. This means no accidents, no tickets, and most importantly, to your insurer, no insurance claims filed. Insurance claims cost the company money. This is why car insurers prefer to insure safe drivers who don’t file claims.

If you want to learn about all of the ways you can lower your car insurance rates, read this helpful resource from the Insurance Information Institute.

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Which car insurance companies offer safe driver discounts?

If you want to drive with insurance that is affordable, you’ll likely want to know which companies offer safe driver discounts. Most of the major car insurance companies offer safe driver discounts. Even if your insurer doesn’t openly advertise their safe driver discounts, they likely will still offer discounts for safe driving.

Safe Driver Discounts by Company

Insurance CompanyEligibilityDiscount Amount
State FarmNo moving violations or at-fault accidents by any named driver during the past three years

Separate discount when your car, or the one it replaced, has been on a State Farm policy for three years without chargeable accidents (any accident that increases rates)
Undisclosed
ProgressiveCustomers with no tickets or accidents for three years31% less on average
AllstateAccident free (bonus for every six months without accidents)$100 off collision deductible for each year without accidents, to $500 maximum
USAAGood driving record for at least five yearsUndisclosed
Liberty MutualSeparate accident-free and violation-free discounts (specific requirements undisclosed)Undisclosed
FarmersVaries by stateUndisclosed
NationwideNo at-fault accidents or major violations during the past five yearsUndisclosed
American FamilyNo accidents, violations, or claims during the past five yearsUndisclosed
TravelersNo accidents, violations, or major comprehensive claims by any named driver during the past three or five yearsThree years: up to 10%

Five years: up to 23%
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As you can see, most of the major car insurance companies offer safe driver discounts, but they don’t disclose the amount of money you could save through this discount. Even if you don’t see your car insurance company in the above table, they likely will still give you a discount for safe, claims-free driving.

Does usage-based car insurance reward safe driving?

You may have heard of usage-based car insurance. You only pay for the miles you drive. Does this type of car insurance also reward safe driving? Usage-based car insurance programs like “Snapshot” and “Drivewise” take into account driving habits when calculating costs.

The safer you drive, the cheaper your car insurance will be through a usage-based car insurance product. These products aim to individualize car insurance costs as precisely as possible. It stands to reason if you are a safe driver that usage-based car insurance would offer you the most potential savings.

Safe Driver Car Insurance Discount: The Bottom Line

Almost all car insurance companies offer safe driver discounts even if they don’t openly advertise it. Speak with your insurance agent to see if you qualify for a safe driver discount.

Ready to compare car insurance rates with safe driver discounts? Enter your ZIP code below to compare car insurance quotes from the top companies in your area.

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