How Does LendingTree Get Paid? LendingTree is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.

How to Get a Good Driver Insurance Discount

We are committed to providing accurate content that helps you make informed money decisions. Our partners have not commissioned or endorsed this content. Read our editorial guidelines here.
Key takeaways
  • Many car insurance companies offer discounts for good drivers who have clean driving records.
  • State Farm and USAA have the best good driver discounts (of up to 30%).

How do I get a good driver insurance discount?

To get a good driver discount, you usually need to have a clean driving record that’s free of tickets, accidents and other traffic incidents.

Insurance companies offer good driver discounts to encourage safe driving and limit claims.

Some of the car insurance companies that offer a good or safe driver discount:

Who has the best good driver insurance discounts?

State Farm and USAA have the best good driver discounts. You can save up to 30% with both of these companies if you get this discount.

USAA only sells car insurance to members of the military and their families, though, so State Farm is your best bet if you’re nonmilitary.

Safe driver discounts by company

CompanyMaximum safe driver discount
AAA20%
Chubb20%
Country Financial25%
Geico22%
Progressive$322
Shelter20%
State Farm30%
The Hartford10%
USAA30%

Beyond the discount

When looking at car insurance companies that offer safe driver discounts, pay attention to the rate the company offers as well as its discount amount.

Basically, what matters is your final payment. One company may give you a better discount than another company, but if the second company’s overall rate is lower, it could still be the best company for you.

This is one of the reasons why you should compare car insurance quotes from several companies side by side before you renew or buy a policy.

How do I keep my good driver discount?

Keeping a good driver discount requires good driving habits. A couple of things you can do to stay or become a good driver are to drive less and pay attention while on the road.

Reduce driving time

The less you drive, the lower your chances are of getting a ticket or getting into an incident. Also, some companies offer usage-based car insurance that tracks your driving habits, including how often you drive, that can also save you money on your car insurance.

Avoid distracted driving

Texting, video calling or anything else that pulls your eyes off the road increase your chances of an accident. Focus on the road when driving, and practice good defensive driving skills to keep your driving record clean.

How does my driving record affect my car insurance rates?

A bad driving record usually means higher car insurance rates. For example, AAA car insurance policyholders can see their rates go up 74% after an accident.

Your driving record reflects your claim risk. If you have a history of speeding tickets, accidents or DUIs, car insurance companies think you are more likely to file a claim or have a claim filed against you.

Your driving record isn’t the only factor used to calculate your car insurance rates. Some others are:

  • Your age
  • Your ZIP code
  • The make and model of your car

Car insurance rates by driving incident

CompanyClean recordTicketAccidentDUI
AAA$2,988$3,954$5,205$6,962
Country Financial$1,491$1,952$2,162$4,874
Farmers$3,462$4,589$5,535$5,307
Geico$2,109$2,763$3,634$5,067
Mercury$1,707$2,420$2,706$3,026
Nationwide$2,402$3,178$3,853$5,332
Nodak$2,170$2,467$3,641$3,057
Progressive$2,078$2,728$3,102$2,656
Shelter$2,056$2,295$2,532$3,018
State Farm$1,604$1,755$1,846$3,901
The Hartford$3,186$4,254$4,945$4,882
Travelers$1,806$2,319$2,524$2,737
USAA*$1,322$1,603$1,809$2,576
*USAA only available for active duty and veteran military, and their families

Methodology

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.

Unless noted otherwise, quotes are for a full coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX. Teen rates are for an 18-year-old male. 

Minimum liability policies provide liability coverage with the state’s required minimum limits.

Full coverage policies include collision, comprehensive and liability coverage:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible