The best good driver car insurance discounts come from Allstate, Liberty Mutual, and State Farm, and can help you save up to 40% on your insurance policy.

A safe driving car insurance discount is one of the top ways customers save money on their car insurance.

Insurance Company	Rank	Savings Potential	A.M. Best	Who Qualifies?
	#1	40%	A+	Drivers with a clean record for a specified period.
	#2	35%	A	Drivers who maintain a safe driving record.
	#3	32%	A++	Drivers with no accidents or violations in the past three years.
	#4	28%	A+	Drivers who have avoided incidents and accidents within the past three to five years.
	#5	25%	A++	Drivers without accidents or traffic violations in the past three years.
	#6	23%	A	Drivers with a clean driving record.
	#7	20%	A+	Drivers who have maintained a safe driving record.
	#8	18%	A+	Drivers with a clean driving history.
	#9	15%	A+	Drivers who have maintained a good driving record.
	#10	10%	A	Drivers who consistently practice safe driving habits.

There are a few requirements for a good driving auto insurance discount, but the most important is maintaining a clean driving record. Read on to learn how to get a good driver discount on car insurance, and which companies offer the most savings.

Enter your ZIP code into our free comparison tool to find the most affordable policies in your area.

What You Should Know

• To get a good driving discount, you’ll need a clean driving record
• Allstate and Liberty Mutual offer the best good driver discounts
• Good drivers can also take advantage of UBI discounts

How to Qualify for a Good Driver Car Insurance Discount

A good driver discount is a common way to save on insurance. Most companies offer some form of a good driver car insurance discount.

Qualifying for a good driver discount typically requires maintaining a clean driving record and demonstrating safe driving habits. What is a driving record and what does it track? While specific criteria vary by insurer, here are the common qualifications:

• Clean Driving Record: Most insurers require no accidents, traffic violations, or claims for a set period, often three to five years.
• No Claims History: Fewer claims suggest a lower risk to insurers, making you eligible for a good driving discount.
• No DUI/DWI Convictions: A history of drunk or reckless driving usually disqualifies drivers from a good driver auto insurance discount.
• Driver Experience: Some insurers require that you've been licensed for a minimum number of years.
• State-Specific Rules: Some states, like California, mandate a 20% car insurance discount for good drivers for eligible drivers who meet specific state criteria.

Insurance companies check your driving record to determine how much to charge. As long as you meet the qualifications listed above, you’ll likely get a safe driving auto insurance discount as soon as you sign up for a policy. However, a representative from your company can double-check if you don’t see the discount listed on your policy.

Best Companies for a Good Driver Car Insurance Discount

Out of the many factors that affect car insurance rates, your driving record is one of the most impactful. Check the rates below to see how much car insurance might cost you when you qualify for a good driver discount.

Companies look at the same factors when they determine how much to charge you, but they use unique formulas. As you can see from the rates above, some companies have cheaper rates than others for things like at-fault accidents and DUIs.

With these rates in mind, it’s easy to understand why a good driver discount can help you save so much. These rate differences are also why you should carefully compare prices between companies before you purchase a policy.

If you have marks against you on your driving record, you might find better rates at the best car insurance for high-risk drivers.

Other Insurance Discounts to Help Good Drivers Save

An auto insurance discount for good drivers can help you save up to 40% on your policy, but there are plenty of other car insurance discount safe drivers can take advantage of. Consider the following discount opportunities to help you save:

• Driving Discounts: Insurance companies offer discounts for things like taking a defensive driving course, having safety features in your vehicle, and for being a low-mileage drive.
• Customer Discounts: Save more on your insurance for things like being loyal customer for a certain number of years and bundling your policies with the same company.
• Policy Discounts: Most companies offer a variety of small savings for things like paying for your entire six-month policy at once, accepting digital-only documents, and enrolling in automatic payments.

Getting an auto insurance discount for good drivers is even easier when you keep a clean driving record. If you qualify for a good driver insurance discount, you’ll likely qualify for the other hacks that save money on car insurance rates below.

Usage-Based Car Insurance

Usage-based insurance (UBI) is a type of auto insurance where your premiums are based on how you drive, rather than just traditional factors like age, credit score, and vehicle type. Insurers use telematics technology to track driving behavior and adjust rates accordingly.

Shout out to Allstate customers who use our Drivewise app! A national survey found, on average, Drivewise customers:
📞 handle their phones 44% less while driving
🚀 spend 23% less time driving at high speeds
🚙 have an 11% lower rate of hard braking https://t.co/5GeR2nydjm

— Allstate (@Allstate) April 19, 2024

Good drivers can take advantage of traditional UBI discounts by signing up for their provider’s program. Enrolling in a UBI program not only give you the opportunity to save, most offer valuable tips on how to further improve your driving skills. You’ll get the following benefits when you sign up for a UBI program:

• Potential Savings: You can get a safe driving discount of up to 40% by enrolling in a UBI program and consistently practicing good habits.
• Personalized Rates: With UBI, you pay for how you drive, not for the general risk factors prevalent in your ZIP code.
• Encourages Safe Driving: Knowing you’re being tracked can be a powerful motivator to stay on your best behavior when you get behind the wheel.

Of course, UBI programs are not without their drawbacks. You’ll need to be comfortable with the following before you sign up for UBI:

• Privacy Concerns: Many drivers aren’t willing to trade their privacy for a good driving car insurance discount.
• Potential Rate Increases: Most companies guarantee that your rates won’t increase if you sign up for UBI, even if your habits aren’t the best. However, that’s not the case with every insurance company.

Deciding if a UBI discount is right for you depends on your driving habits and how comfortable you are with being tracked. The best usage-based car insurance companies can help you lower your monthly premium by a significant amount, so it's at least worth considering.

Accident-Free Car Insurance Discount

Similar to a safe driver discount, many companies offer an accident-free discount. The best accident-free discounts can save you up to 20% on your insurance.

Most accident-free discounts automatically apply to your account when you become eligible, but it’s worth checking your policy to ensure your getting the savings you deserve. If you think you should be getting an accident-free auto insurance discount but you can’t find it on your policy, contact your provider for help.

Learn More: 5 Steps to Take After a Car Accident

Get the Best Good Driver Car Insurance Discounts Today

Getting the best good driver car insurance discounts requires a bit of research, but all of the best car insurance companies offer some sort of savings for their safest drivers. The Allstate good driver discount is the largest, but most safe drivers can see significant savings no matter where they get their insurance.

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Now that you know how to qualify for a good driver discount, your next step should be comparing car insurance quotes to find the lowest prices. Enter your ZIP code into our free comparison tool to see affordable rates in your area.