Best Auto Insurance for Good Drivers in 2025

Nationwide, USAA, and Nationwide offer the best auto insurance for good drivers. Nationwide safe driver discounts offer up to 40% off rates, rewarding good drivers who sign up for SmartRide usage-based car insurance (UBI).

Our Top 10 Company Picks: Best Auto Insurance for Good Drivers

With monthly full coverage premiums ranging from $173-$215, get the cheapest auto insurance for good drivers by enrolling in telematics monitoring programs that track real-time driving behavior. USAA offers unparalleled savings to military drivers who add family members to policies and during time away on military deployment.

Start comparing rates from the best car insurance companies for safe drivers below. Enter your ZIP code to find out if you can get cheap auto insurance for good drivers.

Compare Auto Insurance Costs for Good Drivers

Getting the best auto insurance rates for good drivers is crucial. Our comparison indicates that premium varies significantly across carriers, from $116 to $141 for minimum coverage and from $173 to $215 for comprehensive full coverage.

Auto Insurance for Good Drivers: Monthly Rates by Coverage Level

Geico provides competitive premiums at $173 per month for full coverage, and State Farm provides the same protection for $177 per month. Both offer robust safe driving rewards that can lower the price further (Learn More: How to Compare Auto Insurance Companies).

Good drivers have options for full coverage at great rates. Here’s what they need to know to get proper protection while maximizing their clean record discounts:

• Liability: Covers damages when you’re at fault. Good drivers can get higher limits at lower rates than standard risk drivers.
• Collision: Pays for repairs after accidents. Safe drivers get lower rates for this coverage and can choose higher deductibles to save more.
• Comprehensive: Protects against theft, vandalism, and weather damage. Good drivers’ lower risk profiles mean big savings on this non-accident coverage.
• Uninsured/Underinsured Motorist: Covers you when hit by drivers without insurance. Safe drivers can get robust coverage at reasonable rates because of their clean records.
• Medical: Covers injury expenses regardless of fault. Good drivers often get lower rates on this coverage because of their lower accident probability.

The best position for most good drivers is to seek an insurer with low premiums and good safe driving discount schemes. This provides the necessary coverage while maintaining the monthly premiums at an affordable level.

How Good Drivers Can Lower Their Insurance Premiums

Safe drivers already benefit from lower premiums, but there are extra steps you can take to reduce your monthly rates even further. By focusing on mileage, vehicle safety, as well as your responsible driving habits, insurers see you as a lower risk, which translates to cheaper coverage.

• Limit Your Mileage: Safe drivers who are on the road less than 10,000 miles per year will get the lower insurance rates. Premiums are cheapest for those who drive between 5,000 and 7,000 miles annually.
• Install Safety Systems: Adding GPS tracking devices, immobilizers, or aftermarket alarm systems can reduce full coverage premiums.
• Avoid Vehicle Mods: Performance or appearance modifications can raise premiums and can increase your risk as a driver in the eyes of your insurance company.
• Enroll in Telematics: Some insurers track driving habits with apps or devices and give discounts to drivers who don’t speed, brake hard, or drive at night.

Telematics, or usage-based auto insurance (UBI), varies from company to company and state to state, but safe drivers often qualify based on their habits and clean records. Tracking your driving habits can help you earn discounts of up to 40% off from select providers if UBI is available where you live.

Good drivers can also stack their UBI savings with discounts for remaining accident-free, bundling policies, and keeping their grades up if their young drivers. Keep reading to compare car insurance discounts for good drivers from top providers.

Best Auto Insurance Discounts for Good Drivers

Finding auto insurance discounts for good drivers can help you obtain the cheapest car insurance. Most major insurers offer various savings opportunities, with safe driving discounts providing the highest potential savings at up to 40% across providers.

Completing defensive driving courses can save an additional 5-15%, and loyalty rewards range from 5-12%. Multiple insurers offer diminishing deductible programs that reduce out-of-pocket expenses over time.

Top Auto Insurance Discounts for Good Drivers

USAA is exceptional for first-time drivers with military connections, providing up to 60% in deployment savings. Most of these companies also offer bundling discounts, averaging 17% % to 25% when combining home and auto policies, which can help safe drivers manage their insurance costs.

 

What is the best auto insurance for first-time drivers? The best options include Geico, Progressive, and Nationwide, which offer generous discounts through telematics programs that monitor actual driving behavior rather than relying on driving history.

Read More: 17 Car Insurance Discounts You Can’t Miss

Choosing the Right Insurance Company for Good Drivers

Nationwide, USAA, and Liberty Mutual have the best auto insurance for good drivers with standout UBI programs and discounts. Nationwide rewards safe drivers with 40% off through its SmartRide UBI, while USAA offers military members deployment savings up to 60%.

If you’re looking for the cheapest auto insurance for good drivers, enter your ZIP code into our free quote comparison tool to compare rates from top insurers in your neighborhood.

#1 – Nationwide: Top Pick Overall

Pros

• Low-Mileage Options: Good drivers who drive less than average can switch to SmartMiles pay-per-mile plans, significantly reducing their premiums.
• SmartRide UBI Discounts: Good drivers can earn up to 40% off their premiums through participation in Nationwide’s telematics monitoring program.
• Vanishing Deductible: Our Nationwide auto insurance review mentions that good drivers can reduce their auto deductibles by $100 annually with safe driving.

Cons

• Higher Base Premiums: Good drivers may find Nationwide’s standard rates before discounts higher than some competitive offerings in the market.
• Complex Policy Structure: Good drivers sometimes report difficulty understanding all available options and which truly benefit their situation.

#2 – USAA: Best for Military Savings

Pros

• Military-Specific Discounts: Good drivers with military backgrounds receive up to 15% rate reductions through USAA’s Military Installation discount program.
• Deployment Savings: Our USAA auto insurance review confirms that good drivers on active duty can receive up to 60% off during deployments.
• Legacy Discounts: Good drivers whose parents were USAA members qualify for an additional 10% rate reduction on full coverage policies through the Family Legacy discount program.

Cons

• Membership Restrictions: Good drivers without military connections cannot access its cheap rates, as USAA membership is limited to military personnel and their families.
• Limited Physical Locations: Good drivers who prefer in-person service might struggle with USAA’s primarily digital and phone-based support system.

#3 – Liberty Mutual: Best for Customizable Policies

Pros

• RightTrack Discounts: Good drivers can save up to 30% by allowing Liberty Mutual to monitor their driving habits for just 90 days.
• Customization Options: Our Liberty Mutual auto insurance review shows good drivers can precisely tailor coverage levels to their exact needs through 12 different optional coverages.
• Teacher Advantage: Good drivers who work as educators receive an additional 10% discount through the Teachers’ Auto Insurance program plus $0 deductibles for vandalism.

Cons

• Initial Rate Structure: Good drivers might find that the standard $193 monthly premium requires several discounts to become truly competitive.
• Renewal Increases: Some good drivers may report higher-than-average rate increases at policy renewal despite maintaining clean driving records.

#4 – State Farm: Best for Many Discounts

Pros

• Safe Driver Rewards: Good drivers can earn up to 25% off their premium rates through State Farm.
• Multi-Policy Savings: According to our State Farm auto insurance review, good drivers who bundle home and auto can save an average of 17% on their policies.
• Usage-Based Rewards: Good drivers can stack State Farm Drive Safe & Save UBI discounts with existing good driver discounts for even cheaper rates.

Cons

• Mobile App Limitations: Good drivers looking to manage their policies digitally may find the app lacks some advanced features compared to competitors.
• Higher Premiums for Some: Good drivers under 25 might face higher monthly rates despite clean records compared to some insurers.

#5 – Farmers: Best for Local Agents

Pros

• Personal Agent Relationship: Our Farmers auto insurance review notes how good drivers benefit from dedicated local agents who customize their coverage.
• Disappearing Deductibles: Good drivers see their deductibles automatically decrease by $50 each policy period, as long as they remain claim-free.
• Signal UBI Rewards: Good drivers using Farmers’ app-based monitoring can earn substantial discounts based on consistently safe driving habits.

Cons

• Higher Starting Rates: Good drivers initially face higher $208 per month premiums before qualifying for the various safe driver discount programs.
• Regional Pricing Variations: Good drivers in certain states may experience significantly different pricing despite similar driving records and vehicles.

#6 – AAA: Best Online App

Pros

• Digital Management Tools: Good drivers can track driving patterns through AAA’s highly-rated mobile app to unlock additional savings. Learn more in our AAA auto insurance review.
• Accident Scene Assistance: Good drivers involved in accidents receive priority roadside service and claims processing through their AAA policies.
• Membership Benefits Package: Good drivers receive AAA’s signature service roadside assistance, and 5-15% insurance savings with their basic membership.

Cons

• Membership Prerequisites: Must pay annual AAA membership fees before qualifying for its competitive good driver insurance rates.
• Regional Availability Varies: Good drivers in certain states may find different coverage options and pricing structures depending on location.

#7 – Geico: Best for Custom Payments

Pros

• Flexible Payment Options: Good drivers can choose from multiple payment schedules with no fees, keeping good driver insurance policies budget-friendly.
• DriveEasy Rewards: According to our Geico auto insurance review, good drivers can save up to 25% through this telematics monitoring program.
• Mobile Access: Geico has one of the best mobile insurance apps for managing car insurance policies and good driver discounts.

Cons

• Limited Agent Interaction: Good drivers preferring personalized service may find Geico’s primarily digital approach less satisfying despite savings.
• Fewer Local Offices: Good drivers who value face-to-face assistance might struggle to find physical locations compared to agent-based competitors.

#8 – Allstate: Best for Add-on Coverages

Pros

• Drivewise UBI Program: Good drivers can earn up to 25% in ongoing cashback rewards based on continuous safe driving habits monitored through Allstate’s Drivewise app.
• Accident Forgiveness Inclusion: Our Allstate auto insurance review highlights how good drivers without claims for 5+ consecutive years maintain rates even after a first accident.
• New Car Replacement: Good drivers receive full replacement value rather than depreciated amounts if their new vehicle is totaled.

Cons

• Premium Base Rates: Good drivers might find Allstate’s initial $182 a month full coverage quotes higher before discounts are applied.
• Complex Discount Structure: Good drivers sometimes struggle to navigate which of the many potential discounts they actually qualify for.

#9 – Progressive: Best for Innovative Tools

Pros

• Name Your Price Tool: Good drivers can find policies online that match their exact budget constraints through Progressive’s Name Your Price® tool.
• Small Accident Forgiveness: According to our Progressive auto insurance review, good drivers with claims under $500 won’t see rate increases, protecting their preferred pricing status.
• UBI Personalization: Good drivers receive customized rates based on actual driving performance through Progressive’s Snapshot® program, which can save about 30% off premiums.

Cons

• Discount Optimization Required: Good drivers need to actively pursue and stack multiple discounts (Progressive offers 13 different discount options) to achieve their best possible rates.
• Variable Customer Service: Good drivers report inconsistent support experiences depending on whether they work with local agents or corporate representatives.

#10 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Our Travelers auto insurance review confirms that good drivers can maintain their rates even after a first accident, a key feature for good auto insurance for new drivers.
• Diminishing Deductible: Good drivers see $50 reductions in their deductibles each year they maintain a clean driving record.
• IntelliDrive Savings: Traveler’s usage-based program makes good auto insurance for young drivers, as it only tracks habits for 90 days. Drivers can save up to 30% by participating.

Cons

• Digital Tools Limitations: Good drivers seeking advanced app functionality may find Travelers’ technology less developed than some competitors.
• Higher Than Average Rates: Good drivers initially face higher premiums of $215 monthly for full coverage before qualifying discounts are applied.