Safe driver discounts can mean a few different things when it comes to car insurance. Let’s break down what you need to do to qualify for a safe driver discount (and how much you can save).
What is a safe driver discount?
A safe driver discount is a discount your car insurance company gives you for, well, driving safely. There are several types of safe driver discounts, and many companies offer multiple, including:
Accident-free discount: Many insurance companies offer a discount for drivers who go three years or more without an accident on their record.
Violation-free discount: Similar to an accident-free discount, some car insurance companies offer a violation-free discount for drivers who go three years or more without a ticket or another moving violation on their record.
Good driver discount: Instead of having separate accident-free and violation-free discounts, some car insurance companies combine them into one "good driver" discount, rewarding drivers who avoid accidents, tickets, and moving violations for three years or more.
Reduced premiums: Rather than offering a specific safe driving discount, some insurance companies will simply renew your insurance without increasing your rates or offer perks at no extra charge, like first accident forgiveness.
Usage-based insurance: Most insurance companies offer a potential discount for drivers who agree to have their driving behavior monitored through a tracking app on their phone. Great drivers could earn a significant discount, but other drivers may find they get a small discount (or possibly even a rate increase) based on their behavior behind the wheel.
Safe driver discounts by company
Safe driver discounts are available through most major car insurance companies, though the amount you’ll save can vary depending on your provider, and details like where you live.
The chart below shows the safe driver discounts available from several top car insurance companies:
Safe driver discount
Stay accident-free for five years and you may be able to save up to 22% on most coverages.
Progressive offers a discount to drivers who have had no tickets or accidents in the past three years.
Allstate's Safe Driving Bonus program lets you earn a credit on your account every six months if you don't have an accident.
Drivers who have no at-fault accidents, comprehensive claims, and no moving violations will earn a discount.
New State Farm customers receive a safe driver discount when they've gone 3 years (or more) without moving violations or at-fault accidents.
How much can you save with a safe driver discount?
The average safe driver discount can save you 20% to 25%, but it is possible to save much more if you can qualify for more discounts on top of that.
If you are buying car insurance for the first time or renewing an existing policy, working with your insurance agent or an online marketplace like Policygenius can help you compare safe driver discounts to make sure you are getting the lowest possible rate.
Is a safe driver discount the same as a good driver discount?
Sometimes — the terms often mean the same thing, but it depends on your car insurance company. Some companies may have different criteria (and separate discounts) for “good” drivers and “safe” drivers, so contact your insurance company to make sure you are getting as many discounts as possible.
Are safe driver discounts worth the effort?
Absolutely! There are several benefits to safe driver discounts, in addition to the money you can save, including:
Lower rates over time: Even without a specific safe-driving discount, drivers without any accidents or moving violations get much lower rates than drivers with a blemish or two on their driving record.
Reduced expenses: No accidents in the last three years? That means you haven’t paid for unnecessary car repairs, comprehensive or collision deductibles, or other accident-related expenses and can put your hard earned money toward other things.