You can get the USAA safe driver discount by staying accident-free for five years. USAA does not specify an exact safe driver discount amount, as it varies between states.
If you don’t qualify for the USAA safe driver discount, there are still ways for you to save on your premium. For example, USAA offers a multi-car discount for drivers who insure two or more vehicles in their household.
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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