You can’t get a safe driver discount from Allstate, but the company rewards good drivers in other ways. Allstate’s Safe Driving Bonus sends you a rebate every six months that you’re accident free, and its Deductible Rewards program lowers your collision deductible for every year without a wreck.
If you don’t qualify for Allstate’s safe driver rewards, there are still other ways for you to save on the cost of coverage. For example, Allstate offers a discount for drivers who have another policy with the company in addition to their car insurance.
You can get a defensive driving discount for car insurance by completing an approved driver's education course. Seven of the 10 largest insurance companies offer a defensive driving discount, though exact requirements and discount amounts vary.
Defensive Driving Discounts by Car Insurance Company
To get a safe driver discount on car insurance, drive without accidents, violations, or claims for three or five years. Nine of the 10 largest insurance companies offer a safe driver discount, with slightly different requirements. However, every insurer rewards safe driving, even if they don’t advertise this specific discount.
Some insurance companies, like Geico, offer a good driver discount instead, but the intent is the same: lowering costs for careful customers. Since insurance companies calculate premiums based on how likely a customer is to file a claim, insurers prefer drivers with a clean driving record. However, each company’s eligibility requirements for a safe driver discount differ slightly.
No accidents, violations, or major comprehensive claims by any named driver during the past three or five years
Three years: up to 10%
Five years: up to 23%
Most major insurance companies also offer savings to good drivers through usage-based insurance. These programs include big names like State Farm’s Drive Safe and Safe, Progressive’s Snapshot, and Allstate’s Drivewise. Usage-based insurance tracks driving habits and mileage, and personalizes rates based on an individual’s specific behavior. As a result, safe drivers, especially those who drive fewer miles than the average of 13,500 a year, can save up to 30% with State Farm or $145 on average with Progressive.
Finally, even if you don’t qualify for a safe driver discount from your current insurer, you can always check quotes from other companies to make sure you’re getting the best deal. It’s also a good idea to check out other money saving opportunities with our guide to car insurance discounts.
You can get a good driver discount for car insurance by keeping a clean record for several years. Eight of the 10 largest insurance companies offer a good driver discount, though exact requirements and discount amounts vary.
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