Best Auto Insurance for Good Drivers in 2025 (Top 10 Companies Ranked)
State Farm, USAA, and Geico offer the best auto insurance for good drivers, with rates starting as low as $116/mo. State Farm rewards safe drivers with up to 25% off premiums. USAA provides discounts to good drivers from military families. Geico's DriveEasy monitors driving habits for additional savings.
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Jeffrey Manola
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Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Apr 29, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 29, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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19,116 reviewsState Farm, USAA, and Geico offer the best auto insurance for good drivers, with rates starting as low as $116 per month.
Our Top 10 Company Picks: Best Auto Insurance for Good Drivers| Company | Rank | Good Driver Discount | UBI Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | 30% | Many Discounts | State Farm |
 | #2 | 30% | 30% | Military Savings | USAA |
 | #3 | 26% | 25% | Custom Payments | Geico |
 | #4 | 25% | 30% | Add-on Coverages | Allstate |
 | #5 | 30% | 30% | Online App | AAA |
 | #6 | 20% | 30% | Customizable Polices | Liberty Mutual |
 | #7 | 30% | $231/yr | Innovative Tools | Progressive |
 | #8 | 40% | 40% | Low Mileage | Nationwide |
 | #9 | 30% | 30% | Local Agents | Farmers |
 | #10 | 10% | 30% | Accident Forgiveness | Travelers |
State Farm safe driver discounts offer up to 25% off rates, but good drivers could save even more with Drive Safe & Save usage-based car insurance (UBI). USAA offers unparalleled savings to military drivers who add family members to policies and during time away on military deployment.
- Full coverage auto insurance rates for good drivers range from $173-$215 monthly
- Telematics programs offer good drivers huge discounts
- Military members save 60% with USAA during deployments
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.
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.
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#1 – State Farm: Top Overall Pick
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.
#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 – 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.
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#4 – 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.
#5 – 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.
#6 – Liberty Mutual: Best for Customizable Policies
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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.
#7 – 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.
#8 – Nationwide: Best for Low-Mileage Discount
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.
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#9 – 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.
#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.
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| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $127 | $185 |
 | $124 | $182 |
| $139 | $208 |
| $120 | $173 |
| $132 | $193 |
| $128 | $204 |
| $136 | $197 |
| $116 | $177 |
| $144 | $215 |
| $124 | $179 |
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.
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How Good Drivers Can Lower Their Insurance Premiums
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%, with multiple insurers offering diminishing deductible programs that reduce your out-of-pocket expenses over time. This table compares more car insurance discounts for good drivers.
Top Auto Insurance Discounts for Good Drivers| Insurance Company | Accident-Free | Anti-Theft | Good Student | Loyalty | Safe Driver |
|---|---|---|---|---|---|
| 15% | 8% | 14% | 12% | 10% |
| 25% | 10% | 25% | 15% | 18% |
| 20% | 10% | 15% | 12% | 20% |
| 22% | 25% | 15% | 10% | 15% |
| 20% | 35% | 12% | 10% | 20% |
| 20% | 5% | 18% | 8% | 12% |
| 10% | 25% | 10% | 13% | 10% |
| 17% | 15% | 35% | 6% | 20% |
| 13% | 15% | 8% | 9% | 17% |
| 10% | 15% | 10% | 11% | 10% |
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.
Good drivers who maintain clean records can maximize their insurance savings by enrolling in telematics monitoring programs.
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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%-25% when combining home and auto policies, which can help first-time drivers manage their initial insurance costs.
Read More: 17 Car Insurance Discounts You Can’t Miss
Choosing the Right Insurance Provider as a Good Driver
State Farm, USAA, and Geico have the best auto insurance for good drivers with standout programs. State Farm rewards safe drivers with up to 25% or more through its Drive Safe & Save program.
USAA offers military members deployment savings up to 60%, and Geico provides custom payment plans with additional discounts for automatic and annual payments. Compare State Farm vs. Farmers, Geico, Progressive, and Allstate to learn more about these top companies.
Home and auto? That’s us. Fighting The Joker? Not so much. @J_the_stallion8 @JakeStateFarm pic.twitter.com/OHGin6M5RK
— State Farm (@StateFarm) March 11, 2025
If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
Frequently Asked Questions
What is considered a “good driver” by auto insurance companies?
A good driver typically has no at-fault accidents, no moving violations, and no DUIs or DWIs on their record for the past three years. Some insurers also consider credit score and consistent insurance coverage without lapses.
How much can good drivers save with telematics programs?
Good drivers can save up to 40% with telematics programs. Nationwide’s SmartRide offers the highest potential savings at 40%, while Geico’s DriveEasy and State Farm’s Drive Safe & Save typically provdiscounts of ide up to 25unts.
Read More: 26 Hacks to Save More Money on Car Insurance
Does USAA offer insurance to good drivers not in the military?
No, USAA membership is restricted to military members, veterans, and their eligible family members. If you don’t qualify, find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.
How does State Farm’s Drive Safe & Save program work for good drivers?
State Farm’s Drive Safe & Save uses a mobile app or device to monitor driving behaviors like acceleration, braking, cornering, speed, and phone use. Good drivers can earn up to 30% in discounts based on their driving performance over time.
What are the average monthly rates for good drivers?
State Farm has the cheapest auto insurance for good drivers, starting at $116 a month for minimum policies and $177 for full coverage. Geico has cheaper average full coverage monthly rates for good drivers at $173.
Can good drivers with previous accidents still qualify for discounts?
Yes, many insurers offer accident forgiveness programs for good drivers. Allstate and Travelers specifically maintain rates even after a first qualifying accident, while Progressive won’t increase rates for claims under $500.
Read More: How to File an Auto Insurance Claim & Win It Each Time
How do diminishing deductibles benefit good drivers over time?
Diminishing deductible programs reduce a good driver’s deductible amount (typically by $50-100) each year they remain claim-free. Over time, this can significantly lower or even eliminate out-of-pocket expenses when filing a claim.
Which insurance company offers the highest discount for bundling home and auto for good drivers?
Allstate and Liberty Mutual offer up to a 25% discount for bundling home and auto insurance, one of the highest bundling discounts available to good drivers.
What is the best auto insurance for new drivers?
The best auto insurance for new drivers typically comes from companies with strong telematics programs like State Farm, Geico, and Progressive. These insurers offer usage-based insurance options that allow new drivers to prove their safe driving habits and earn discounts based on actual driving behavior rather than limited driving history.
Learn More: How to Buy Auto Insurance
Are there special discounts for good drivers who are teachers or educators?
Yes, several insurers offer educator-specific discounts. Liberty Mutual provides special savings for teachers with good driving records, while Farmers also offers occupation-specific discounts for teachers and nurses who maintain safe driving habits.
Use our free comparison tool to see what auto insurance quotes look like in your area.
Enter your zip code below to view companies that have cheap insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.