How do I get a good driver discount for car insurance?

The Geico good driver discount is up to 22% for qualifying policyholders. To qualify for the Geico good driver discount, drivers must be accident-free for five years, and this can even include time that you've been insured by another company.

After you get into an accident, you will have to wait five years in order to qualify for the discount again. Additionally, accidents that are forgiven by Geico accident forgiveness still count against your good driver discount, even though your base premium will not go up.… read full answer

If you don’t qualify for Geico’s good driver discount, there are still ways to save on your premium. For example, Geico offers a multi-vehicle discount for drivers who insure more than one car on their policy. You can also lower your rate by altering your coverage or increasing your deductible.

To learn more, check out WalletHub’s guide to Geico discounts.

State Farm offers a good driver discount, as well as a discount of up to 30% for enrolling in their Drive Safe & Save program. In order to receive a State Farm good driver discount, drivers must be accident-free for three years, and this can even include time that you’ve been insured by another company.… read full answer

After you get into an accident, you will have to wait three years before you can qualify for the good driver discount again. Even accidents that are forgiven by State Farm’s accident forgiveness still count against your good driver discount, though your base premium will not go up.

Drive Safe & Save

State Farm’s Drive Safe & Save program determines your specific discount based on your annual mileage and basic driving habits. You can enroll in State Farm’s Drive Safe & Save program using the Drive Safe & Save mobile app.

You can also enroll if you have a 2020 or newer Ford or Lincoln vehicle and you set up “Connected Car.” In that case, your driving habits will be tracked through your FordPass or Lincoln Way app.

Other Ways to Save

If you don’t wish to enroll in Drive Safe & Save and you do not qualify for State Farm’s good driver discount, there are still ways to save on your premium. For example, State Farm offers a multi-car discount for drivers who insure more than one vehicle on their policy. You can also lower your rate by altering your coverage or increasing your deductible.

To learn more, check out WalletHub’s guide to State Farm discounts.

Progressive does not offer a good driver discount, unlike most other major insurers. Drivers with clean records will typically be charged a lower rate for coverage, but they will not receive a specific discount amount.

Even though Progressive does not have a good driver discount, you can see if you qualify for other discounts that they offer. For example, Progressive offers a multi-vehicle discount for drivers who insure more than one vehicle on their policy.… read full answer

To learn more, check out WalletHub’s guide to Progressive discounts.