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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.
Safe Driver Discounts by Company
| Insurance Company | Eligibility | Discount Amount |
| No moving violations or at-fault accidents by any named driver during the past three years Separate discount when your car, or the one it replaced, has been on a State Farm policy for three years without chargeable accidents (any accident that increases rates) | Undisclosed | |
| Customers with no tickets or accidents for three years | 31% less on average | |
| Accident free (bonus for every six months without accidents) | $100 off collision deductible for each year without accidents, to $500 maximum | |
| Good driving record for at least five years | Undisclosed | |
| Separate accident-free and violation-free discounts (specific requirements undisclosed) | Undisclosed | |
| Varies by state | Undisclosed | |
| No at-fault accidents or major violations during the past five years | Undisclosed | |
| No accidents, violations, or claims during the past five years | Undisclosed | |
| 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.
People also ask
How do I get a defensive driving discount for 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
| Insurance Company | Eligibility | Discount Amount |
| Drivers who meet their state's specific requirements | ... |
How much is the Geico multi-policy discount?
Customers automatically get Geico’s multi-policy discount when they bundle Geico auto insurance with a homeowners, renters, condo, or mobile home policy from Geico. The exact discount amount depends on your location and policy details. You can get a quote online or call 800-207-7847 for more information.
Is Geico’s multiple policy discount different from the multi-car discount?
Geico’s multi-policy discount and multi-car discount are two different savings opportunities. The multi-car discount is for insuring more than one...
read full answerWhy is Geico so cheap?
Geico is so cheap because it sells insurance directly to consumers and offers a lot of discounts. Direct-to-consumer insurance sales eliminate the cost of middlemen and allow Geico to have significantly fewer local offices and agents than companies like State Farm and Allstate. Having a smaller agent network lowers Geico’s overhead costs, so they can pass those savings on to consumers.
Average Monthly Rates for Geico vs. Top Competitors
| Company | Minimum Coverage | Full Coverage |
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