Best Good Driver Auto Insurance Discounts in 2025 (Save 40%!)
The best good driver auto insurance discounts are offered by Nationwide, Progressive, and Farmers. Safe drivers can qualify for up to 40% off by remaining accident and claim-free for at least three years, but each provider has different requirements and types of auto insurance discounts that reward safe habits.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 7, 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.
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: Sep 7, 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.
On This Page
The best good driver auto insurance discounts reward safe drivers with big savings, and Nationwide leads the way with up to 40% off after five years accident-free.
Top 10 Companies: Best Good Driver Auto Insurance Discounts| Company | Rank | Savings Potential | Claim- Free Period | Who Qualifies? |
|---|---|---|---|---|
 | #1 | 40% | 5 Years | 5 years no claims or violations |
 | #2 | 30% | 3 Years | Clean record last 3 years |
 | #3 | 30% | 3 Years | 3 years no tickets or accidents |
 | #4 | 26% | 5 Years | 5 years no at-fault accidents |
 | #5 | 25% | 3 Years | 3 years no accidents or violations |
 | #6 | 25% | 5 Years | Accident-free for 5 consecutive years |
 | #7 | 25% | 5 Years | Clean history for 5 years |
 | #8 | 20% | 5 Years | 5 years no claims or citations |
 | #9 | 15% | 5 Years | 5 years clean mature driver record |
 | #10 | 10% | 5 Years | 5 years no accidents or violations |
Progressive follows with 30% through its Snapshot program, which tracks driving habits, while Farmers also offers 30% for drivers with three accident-free years.
- The best safe driver auto insurance discounts offer lower rates for clean records
- Savings include accident forgiveness, safe driving rewards, and usage-based plans
- Nationwide gives the highest savings, up to 40% off after five clean driving years
These programs recognize consistent safe driving and give you lower monthly rates for maintaining a clean record. Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.
How Good Driver Discounts Impact Rates
When comparing the best auto insurance for good drivers, you must have no accidents, DUIs, or major violations for at least three to five years, though each company sets its own rules.
Auto Insurance Monthly Rates: Before & After Good Driver Discount| Insurance Company | Before | After |
|---|---|---|
| $87 | $69 |
| $62 | $48 |
| $76 | $59 |
| $43 | $34 |
| $96 | $76 |
| $63 | $50 |
| $56 | $45 |
| $47 | $38 |
| $61 | $49 |
| $53 | $42 |
Farmers Insurance cuts monthly rates from $76 to $59, and Geico shows one of the biggest breaks, dropping from $43 per month to $34 monthly. Liberty Mutual costs more overall, but still reduces rates by $20 a month for good drivers.
Good driver discounts are simple. Keep a clean record for three to five years with no accidents, tickets, or DUIs, proving you’re a lower risk and earn the best rates.
Jeff Root Licensed Insurance Agent
Qualifying for a good driver discount usually means keeping a clean driving record with no recent accidents or major violations, and insurers like Allstate, Geico, Progressive, and others will typically ask for three to five years of safe driving before applying it. Learning how to get a good driver discount on car insurance comes down to maintaining safe driving habits that consistently lower rates across nearly every major insurer.
Read More: State Farm vs. Progressive Auto Insurance
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Auto Insurance Rates for Good Drivers
Auto insurance rates can look very different once you factor in discounts, the type of coverage you choose, and even your age and gender. Insurers reward clean records with lower premiums, but also shift costs depending on coverage levels.
Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $87 | $228 |
| $62 | $166 |
| $76 | $198 |
| $43 | $114 |
| $96 | $248 |
| $63 | $164 |
| $56 | $150 |
| $47 | $123 |
| $61 | $161 |
| $53 | $141 |
Age and gender are also key factors, with younger drivers paying the steepest premiums. A 16-year-old male averages $323 per month, while a 55-year-old female pays just $58 monthly. Young drivers can combine safe driving habits with good student auto insurance discounts for lower rates.
You can tell from these rates that keeping a clean record goes a long way in keeping insurance costs low. Even one accident, ticket, or DUI can push your monthly premium up significantly, but the increase depends a lot on the company. For example, a clean record with Geico averages $43 a month, but that jumps to $117 with a DUI.
Auto Insurance Monthly Rates by Driving Record| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $87 | $124 | $152 | $103 |
| $62 | $94 | $104 | $73 |
| $76 | $109 | $105 | $95 |
| $43 | $71 | $117 | $56 |
| $96 | $129 | $178 | $116 |
| $63 | $88 | $129 | $75 |
| $56 | $98 | $75 | $74 |
| $47 | $57 | $65 | $53 |
| $61 | $89 | $93 | $70 |
| $53 | $76 | $112 | $72 |
Liberty Mutual shows an even bigger gap, moving from $96 with no incidents to $178 after a DUI. On the lower end, State Farm charges $47 a month with a clean record and rises modestly to $65 monthly with a DUI, while Nationwide goes from $63 per month to $129 a month. Compare more quotes in our Nationwide vs. Liberty Mutual insurance review.
Other Auto Insurance Discounts for Good Drivers
There are dozens of ways to save on auto insurance, and they usually fall into three main categories: vehicle features, driver habits, and personal factors. Safety technology such as anti-lock brakes, adaptive headlights, or automatic braking is frequently rewarded with discounts, as are good driver behaviors (Read More: Best Anti-Theft Auto Insurance Discounts).
Most Common Auto Insurance Discounts
| Vehicle Discounts | Driver Discounts | Personal Discounts |
|---|---|---|
| Active Disabling Device | Claim Free | Emergency Deployment |
| Adaptive Cruise Control | Continuous Coverage | Family Legacy |
| Adaptive Headlights | Defensive Driver | Family Plan |
| Anti-Lock Brakes | Driver's Education | Federal Employee |
| Audible Alarm | Driving Device/App | Further Education |
| Automatic Braking | Early Signing | Good Student |
| Blind Spot Warning | Full Payment | Homeowner |
| Daytime Running Lights | Good Credit | Life Insurance |
| Economy Vehicle | Loyalty | Married |
| Electronic Stability Control | Multiple Policies | Membership/Group |
| Farm/Ranch Vehicle | Multiple Vehicles | Military |
| Forward Collision Warning | New Customer/New Plan | New Address |
| Garaging/Storing | Occasional Operator | New Graduate |
| Green/Hybrid Vehicle | Online Shopper | Non-Smoker/Non-Drinker |
| Lane Departure Warning | On-Time Payments | Occupation |
| Newer Vehicle | Paperless/Auto Billing | Recent Retirees |
| Passive Restraint | Paperless Documents | Stable Residence |
| Utility Vehicle | Roadside Assistance | Student Away |
| Vehicle Recovery | Safe Driver | Student or Alumni |
| VIN Etching | Seat Belt Use | Volunteer |
You may be wondering which insurance companies offer discounts to good drivers, and the answer is that nearly every major carrier does. However, the types of auto insurance discounts and savings vary widely. Nationwide offers the biggest safe driver discount at 40%, while Farmers, Progressive, and Geico cap theirs at around 30%.
Top Auto Insurance Discounts for Good Drivers| Insurance Company | Accident- Free | Claims- Free | Defensive Driving | Good Driver | Usage- Based |
|---|---|---|---|---|---|
| 25% | 10% | 10% | 25% | 30% |
| 25% | 15% | 5% | 25% | 15% |
| 20% | 9% | 10% | 30% | 30% |
| 22% | 12% | 15% | 26% | 25% |
| 20% | 8% | 10% | 20% | 30% |
| 20% | 14% | 10% | 40% | 40% |
| 10% | 10% | 30% | 30% | $231/yr |
| 17% | 11% | 15% | 25% | 20% |
| 5% | 12% | 10% | 15% | 20% |
| 13% | 13% | 20% | 10% | 30% |
Accident-free and claims-free discounts are popular car insurance discounts you should ask about, too. Allstate and American Family Insurance both shave off about 25% for staying accident-free, while Geico gives 12% for going claims-free. Defensive driving insurance discounts can also bring solid savings, with Progressive offering up to 30% off, while State Farm and Geico come in at around 15%.
The easiest way to keep your safe driver discount is to avoid filing small claims, since even minor payouts can reset your clean record period and erase long-term savings.
Melanie Musson Published Insurance Expert
Usage-based programs are another option, with Liberty Mutual, Farmers, and Travelers all going up to 30%. Altogether, these numbers show that each insurer rewards safe-driving habits a little differently, so it’s worth comparing which discounts fit best with your driving style.
How Usage-Based Auto Insurance Rewards Good Drivers
Using telematics programs to prove your safe driving over time can help good drivers earn even more discounts on their policies. Usage-based insurance (UBI) discounts can be stacked with safe driver and claim-free discounts for cheaper rates.
Safer driving doesn’t just keep you out of trouble. It can also bring noticeable savings depending on which UBI program you choose. Use our expert guide to usage-based insurance to stack up the most popular UBI programs against each other and the potential savings they offer.
Top Usage-Based Auto Insurance (UBI) Programs| Company | Program Name | Savings | How It's Tracked |
|---|---|---|---|
| Drivewise® | 30% | Mobile App |
| KnowYourDrive | 15% | Mobile App |
| Signal® | 30% | Mobile App |
| DriveEasy | 25% | Mobile App |
| RightTrack® | 30% | In-Vehicle Device |
| SmartRide® | 40% | Mobile App / In-Vehicle Device |
| Snapshot® | $231/yr | Mobile App |
| Drive Safe & Save™ | 20% | Mobile App / In-Vehicle Device |
| TrueLane® | 20% | Mobile App |
Knowing how to be a good driver and maintain your discount means focusing on consistent habits like avoiding speeding, steering clear of claims, and avoiding driving at night. The riskiest time to drive is between 11 p.m. and 4 a.m., so driving during the day can help unlock hidden auto insurance discounts for safe habits.
Most programs depend on mobile apps to log time of day and driving habits, though Liberty Mutual and Nationwide also use plug-in devices. Nationwide offers the biggest discount of 40%, while Liberty Mutual’s RightTrack, Allstate’s Drivewise, and Farmers’ Signal each max out around 30%.
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Getting the Best Good Driver Auto Insurance Discounts
You can qualify for the best safe driver auto insurance discounts with good driving habits and a claim-free record. This discount doesn’t come automatically. You have to keep a clean record, showing the insurer you’re less of a risk on the road over time.
Nationwide is one of the best good driver auto insurance companies because it rewards members who have been accident and violation-free for three years or more by giving them a 40% discount on their policy.
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If you have a good driving record, you can get a good driver’s car insurance discount that makes a noticeable difference in the overall cost of your coverage. Start comparing local prices by entering your ZIP code into our free auto insurance quote comparison tool.
Frequently Asked Questions
What is a good driver discount on auto insurance?
Good driver discounts are reductions in premiums for maintaining a clean record. That means no accidents, DUIs, or major violations for three to five years. The savings range widely by insurer, from 10% with The Hartford to as much as 40% with Nationwide, rewarding drivers who consistently prove they’re low-risk.
How do you get good driver auto insurance discounts?
You can qualify for the best good driver auto insurance discounts by maintaining a clean driving record for three to five years with no accidents, tickets, or DUIs. Some companies, like Progressive vs. State Farm auto insurance, also let you add savings through defensive driving courses or usage-based programs that track safe driving.
Who has the best car insurance rates for good drivers?
Nationwide offers the best car insurance for good drivers, with a discount of up to 40% off after five years accident-free. Progressive and Farmers also provide strong savings at 30%, but Nationwide stands out because of its higher percentage and longer clean-record requirement. Enter your ZIP code to see which offers the best rates near you.
What is the minimum discount percentage of the good driver discount?
The smallest safe driver discounts start at around 10%, with insurers like Travelers and The Hartford offering that baseline. Larger insurers, including Nationwide and Progressive, go much higher.
Which car insurance has the most discounts for good drivers?
Our Nationwide auto insurance review shows that it leads with a 40% good driver discount. However, companies like Progressive and Farmers combine several smaller discounts, such as accident-free, claims-free, and telematics-based savings, that can add up to 30% or more. Geico also offers multiple discounts, including safe driver rewards and accident forgiveness.
What GPA do you need for a good driver discount?
Does GPA affect car insurance for good drivers? A GPA requirement applies to the good student discount, which can often be combined with good driver savings. Most insurers require at least a 3.0 GPA (B average) for students, and when paired with a clean driving record, the combined discounts can reduce premiums by 30%–40%.
What company has the best auto insurance for teenage drivers?
Geico and State Farm are known for having cheap auto insurance for teens, but it’s still more expensive than average due to young drivers’ lack of experience on the road. Good driver discounts can help reduce teen insurance rates by 10%-40%.
How much is the State Farm good driver discount?
State Farm gives safe drivers up to 25% off after three years without accidents or violations. Drivers can also save more through the Drive Safe & Save program, which uses mobile or in-vehicle devices to track driving behavior and reward consistently safe habits. Check out more car insurance discounts you can’t miss.
Does Progressive have a good driver discount?
Yes, Progressive safe driver discounts are 30%, and good drivers can save another $231 annually by signing up for Progressive Snapshot UBI.
Does Geico have a good driver discount?
Yes, Geico offers a good driver discount of up to 26% for drivers with a five-year accident-free record. In addition, its DriveEasy app can monitor driving habits and potentially add another 25% savings for consistent safe performance. What discounts does Geico offer in addition to good driver savings? Get a full discount list in our Geico insurance review.
Enter your zip code below to view companies that have cheap insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.
