A Primer on How to Get a Good Driver Discount

Being a good driver should be its own reward, but many insurers offer financial incentives to people who follow the rules of the road. Insurance companies give lower premiums, discounts, and other perks to responsible drivers who with a clean driving record.

Do you consider yourself a good driver? In this article, you'll learn about the qualities that make a great driver. You'll also learn about discounts that insurance providers give to these drivers.

What Are the Qualities of a Good Driver?

Most insurance companies define a good driver as someone who is accident-free or violation-free for three to five years. If you are a good driver, many car insurance companies will reward you with lower premiums and better rates than others. Part of qualifying is keeping your driving record clean for at least three years.

Good drivers are individuals who understand that they have a responsibility to obey traffic laws and other road rules.

There are several characteristics that all good drivers share.

  • Responsible - Good drivers are individuals who understand that they have a responsibility to obey traffic laws and other road rules.

  • Respectful - They are courteous and respect the rights of other drivers, and try to make things easier for them. For instance, they may move over so someone can make lane changes.

  • Adjustable - These drivers also stay aware and adjust their driving according to the present circumstances. They also pay attention to what's going on in the present-day situation.

  • Defensive Drivers - These individuals are also defensive drivers. They anticipate the erratic behavior of potentially hazardous situations and other drivers.

  • Patient - Good drivers are patient when they're behind the steering wheel. They stay calm in potentially hazardous situations.

  • Safety - These people are conscious of their safety and others on the road. They follow the traffic rules, avoid the use of electronic devices while driving, and don't use their phones on the road.

  • Knowledgeable - Good drivers are knowledgeable about their car and the road. They are skilled and don't lose their concentration.

  • Mechanical - They are familiar with maintaining their vehicles to ensure they are road-ready.

What Is a Good Driver Discount?

Many insurance companies offer lower rates to good drivers. They believe these individuals cost them less money since they file fewer claims than poor drivers.

Your insurance company will search your driving record and claims history to determine whether you qualify for a good driver discount.

Most carriers within the United States also offer good driver discounts. They usually fall into two categories.

  • Accident-Free Discount - Insurance companies will give you a discount on your car insurance premium if you have been accident-free for three to five years.

  • Violation-Free Discount - Your insurance company will give you a discount on your insurance premium if you haven't had a traffic violation within the past three to five years.

Your insurance company will search your driving record and claims history to determine whether you qualify for a good driver discount.

How to Get a Good Driver Discount

To get a good driver discount, you'll have to ask your insurance company. Some insurers automatically apply this coverage to your insurance policy. Others do not.

Car Insurance Rates for Good Drivers

Car insurance companies consider several factors to determine your car insurance premiums. One thing they take into consideration is your driving record and the number of miles you drive.

You may receive lower car insurance premiums if you have a good driving history. You will likely pay more if you have had accidents or traffic violations, rather than a clean driving record.

Additionally, you can expect to pay more If you have a higher number of claims on your auto insurance policy.

Clean Driving Record Accident Speeding Ticket DUI

Which Auto Insurance Company Provides the Best Rates for Good Drivers?

Car insurance companies have their own rating schedules to determine their premiums. Most carriers offer higher rates for speeding tickets or at-fault accidents.

Most carriers offer higher rates for speeding tickets or at-fault accidents.

Companies usually give the best car insurance premiums for people that have clean driving records and high credit scores. They charge the highest rates to people with poor credit or traffic violations, like DUIs and reckless driving, on their records.

The national insurer with the cheapest auto insurance rates is USAA.

Carrier Good Driving Record Speeding Ticket At-Fault Accident DUI
State Farm$1,466$1,677$1,601$2,207

If you get a violation point on your driver's licenses, you could lose your good driver's discounts.

Find Affordable Car Insurance for a Good Driver

Four Tips to Help Good Drivers Save Money on Auto Insurance

Even if you're accident-free, it doesn't mean that your car insurance premiums are automatically lower than other drivers. If you have a clean driving record, there are several ways you can lower your insurance premiums. Here are four tips that can help you get insurance discounts on your liability insurance and auto policy.

Enroll in a Telematics Program

Telematics is an electronic method that insurance companies use to gather data about your driving habits, mileage, and other data. Auto insurance companies collect data using a tracking device that can plug into your car's onboard diagnostic port (OBD-II port). These ports are usually available in cars produced after 1996. Insurers can also collect this data directly from a car manufacturer.

Insurance providers use this collected data to develop a portrait of your personal driving habits. They are also used in pay-per-mile car insurance programs, where insurers track how many miles you drive per day using a mobile app or device you plug into your vehicle.

Telematics devices can also help insurers determine whether you should receive a car insurance discount or save money on your policy for safe driving habits.

File Your Claims Wisely

If you're a good driver, you probably don't have many traffic violations on your ticket. Additionally, you probably have a lower number of insurance claims than most people. If you do get involved in an accident with another driver (even if you're not at fault) spend some time to decide whether it's worth it to file a claim.

Filling an insurance claim can potentially cause you to lose your insurance discount. Policyholders can use this rule of thumb. If your damages amount to less than your deductible, then it may be better to pay for these expenses out of pocket.

Take Defensive Driving Courses

Defensive driving involves driving in a way that uses safe driving strategies. It helps drivers to identify potential hazards and use predictable methods to handle them.

Car insurance companies usually offer discounts to policyholders that take defensive driving courses. These classes help students reduce their risks of accidents by learning how to make safer decisions. Additionally, they will learn how to handle weather and environmental conditions in a safe manner.

Compare Rates from Different Companies

If you're a good driver, another way you can save money is to shop around for better car insurance rates. Auto insurance company rates vary depending on the carrier. You can get a free quote by entering your zip code on this page, and we'll get you a quote from local insurance companies within your area.

Kelley Blue Book recommends that shoppers get auto insurance quotes and data from at least three separate carriers.

The Best Auto Insurance Company Discounts for Good Drivers

Some car insurance companies automatically give discounts to their customers, but other people may have to ask their insurance agent about whether they qualify. SmartFinancial has listed the insurance companies with the cost savings for good drivers.

Allstate Insurance

Although Allstate Insurance doesn't offer a good driver discount, the company has several opportunities for good drivers to save money. Allstate offers the following driver discounts.


Drivers can enroll in their Drivewise From Allstate Program. The auto insurance company will reward policyholders with savings on their car insurance rates for every six months of safe driving. Their Drivewise mobile app tracks safe speeds, stops, and driving hours.

Safe Driving Bonus Program

You can also enroll in Allstate's Safe Driving Bonus Program. If you have good driving habits, you can earn a bonus for every six months where you don't have an accident. Policyholders will also receive discounts on their car insurance costs, along with bonuses they'll receive directly in their bank accounts.

Speak with an Allstate agent to learn how to sign up for these discounts.

Farmers Insurance

Farmers Insurance offers three driver discounts that can help good drivers save money on their car insurance premiums:

Safe Drivers Discount

In select states, Farmers offers Safe Drivers Discounts to people who have a clean driving record.

Senior Defensive Driver Discount

Farmers also offers a Senior Defensive Driver Discount to elderly people who are 65 years of age or older and have completed a driver's education course approved by their Department of Motor Vehicles. Seniors must provide a certificate of completion from the approved agency after they graduate to get this auto insurance discount.

Signal Telematics Program

Farmers Insurance also has the Signal Telematics Program which offers an initial discount once a driver has enrolled and completed ten trips. The company bases the Signal discount on their driving behaviors and the ones of each participating driver.

To receive the highest discount, the company recommends that families should have 100 participation. Driving behaviors that the app tracks include focused driving, hard braking, excessive speeds, time of day and total mileage.

Find Affordable Car Insurance for a Good Driver

Liberty Mutual

Liberty Mutual allows good drivers to save in three ways.

Accident-Free Discount

Liberty Mutual rewards drivers who have an accident-free driving history with additional savings.

Violation-Free Discount

Liberty Mutual will also lower your car insurance rates if you have a history free of traffic violations and tickets.

Right Track Program

Good drivers can save up to 30 percent for enrolling and participating in the company's Right Track telematics program that tracks driving behavior.


Nationwide offers a safe driving discount to people who have at least five years of safe driving. Drivers should not have speeding tickets, reckless driving or other traffic violations.


Nationwide offers a SmartRide Rewards program for driving safely. It is a usage-based car insurance program that delivers personalized insights and helps you make a safe driver. Individuals can earn a 10% discount for signing up. They could save up to 40 percent the safer they drive on the road.

State Farm

The car insurance company offers drivers a Good Driver Discount when they've gone three years or more without a moving violation or at-fault accident.

Accident-Free Discount

The accident-free discount is offered to people who have had three continuous years without a chargeable accident. These savings will increase over time the longer you stay with the company.

Defensive Driving Course Discount

Nationwide offers a discount for taking a driver safety course that teaches individuals how to handle weather conditions and traffic situations. People who take these courses can earn up to a 10 percent to 15 percent discount on their coverage.

Driver Training Discount

Young people under 21 years old can earn a discount if they complete a driver education course.

Steer Clear Safe Driver Discount

Young people under 25 years old can earn this discount when they have a valid driver's license, three years without an at-fault accident and complete the rest of the program's requirements.

Drive Safe and Save Program

Drivers could save up to 30 percent on their auto insurance once they enroll in the Drive Safe and Save Program. State Farm tracks your driving behaviors using the OnStar device or an app installed on your cellphone. The insurer keeps track of events like acceleration, distracted driving, hard braking and fast cornering.

State Farm also provides good driver discounts to people who install anti-theft and other safety devices in their vehicles.


USAA provides some of the lowest rates in the insurance industry, but the carrier limits its policies to service members, their families and veterans. USAA provides four car insurance discounts for safe drivers that can help them save money on their already low insurance rates.

SafePilot Program

USAA Drivers can save up to 30 percent on their car insurance premiums if they enroll in the company's SafePilot Program. The company tracks their driving behavior using an app that users install on their cellphones. It will use the data to give you insights into your driving performance, and how you can improve. The app is available for free on iOS and Android devices.

Safe Driving Discounts

You can save money on your car insurance premiums if you maintain a good driving record for more than five years.

Defensive Driving Discount

USAA will give you a discount on your auto coverage if you complete an approved driving course in your state.

Basic Driving Training Course Discount

Are you a driver younger than 21 years old? You could save money on your auto policy if you complete a basic driver training course.

Good drivers can receive additional discounts by bundling their home and auto policies together.

Do you need affordable auto insurance coverage to fit your budget? You can save money on your policy by comparing insurance coverages and rates from different insurance companies.

Comparison shopping can help you find carriers with auto insurance discounts. SmartFinancial could save you up to 30 percent on your car insurance rates. Just enter your zip code below, and we'll get your car insurance quotes from local insurance companies within your area without a charge. We'll also connect you with local agents who can help you save money with car insurance discounts.

Get a Free Auto Insurance Quote Online Now.