Compare Rates and Save on Auto Insurance

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Car insurance providers reward good driving through benefits like better premiums or discounts. Discounts may be available if you have an accident-free record, usually called a safe driver discount or good driver discount. If traditional providers are out of your range, telematics- or usage-based car insurance is another option, where premiums are set depending on your driving record and car usage.

Overall, drivers with clean records will not have to compromise coverage to get to an affordable price point. Whether you choose a traditional or usage-based option, if you have a perfect driving record, insurance will be far more affordable than those with an accident, DUI or ticket in their history.

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Key Takeaways

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Car insurance providers reward good drivers by reducing premiums through discounts.

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A good driver is accident-free, violations-free and has a clean driving record.

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Many major providers offer good driver's auto insurance discounts. Such providers include GEICO, Nationwide, Progressive, Travelers, Farmers, State Farm and more.

Car Insurance Companies for Good Drivers

The best cheap car insurance for good drivers is with State Farm, with premiums averaging $883 per year. For military families, however, USAA is the best choice, offering premiums at an average of $679 annually. USAA insurance is only available to current and former military members and their families.

Despite these averages, your actual rates can vary based on other deciding factors. To determine your potential premium, use our car insurance calculator to estimate how much you may pay.

Insurance Companies for Good Drivers
Company
Average Annual Premium

Hanover

$1,460

The General

$1,438

Farm Bureau Ins of MI

$779

National General

$756

Direct General Insurance

$739

Kemper

$709

Mercury

$693

Allstate

$640

Farmers

$594

Grange Insurance

$561

Hartford

$551

Shelter

$532

Travelers

$523

AAA

$513

Progressive

$512

Amica Mutual

$507

Chubb

$497

American Family

$486

CSAA

$476

Acuity

$462

Nationwide

$456

NJM

$442

Country Financial

$440

GEICO

$436

Safety Group

$426

Alfa

$422

MAPFRE

$398

State Farm

$391

Westfield

$387

Erie

$365

Plymouth Rock Assurance

$358

Arbella

$349

Auto-Owners Insurance Co

$347

West Bend Mutual

$343

North Carolina Farm Bureau

$340

Western National

$308

Texas Farm Bureau

$295

USAA

$289

PEMCO

$284

American National P&C

$268

Vermont Mutual

$267

Cincinnati Insurance

$262

Grinnell Mutual

$258

Hanover

$2,564

The General

$2,520

National General

$1,586

Farm Bureau Ins of MI

$1,585

Kemper

$1,455

Mercury

$1,361

Western National

$1,208

Direct General Insurance

$1,191

Chubb

$1,164

AAA

$1,140

Grange Insurance

$1,134

Shelter

$1,131

Acuity

$1,122

Allstate

$1,109

Hartford

$1,093

Farmers

$1,084

Progressive

$1,055

Amica Mutual

$1,030

Alfa

$1,026

CSAA

$1,005

MAPFRE

$1,004

Westfield

$1,000

Safety Group

$997

Country Financial

$968

Travelers

$962

Nationwide

$954

Grinnell Mutual

$903

Erie

$862

American Family

$857

GEICO

$846

Plymouth Rock Assurance

$826

Arbella

$798

Auto-Owners Insurance Co

$795

West Bend Mutual

$791

NJM

$776

State Farm

$767

Cincinnati Insurance

$675

Vermont Mutual

$665

USAA

$654

North Carolina Farm Bureau

$637

Texas Farm Bureau

$633

PEMCO

$586

American National P&C

$575

Hanover

$2,517

The General

$2,181

Farm Bureau Ins of MI

$1,463

National General

$1,375

Kemper

$1,326

Mercury

$1,209

Direct General Insurance

$1,093

Chubb

$1,019

Allstate

$988

Acuity

$982

Farmers

$978

MAPFRE

$947

Grange Insurance

$947

Hartford

$937

Amica Mutual

$934

Western National

$933

AAA

$922

Progressive

$911

Travelers

$891

Westfield

$886

Safety Group

$884

Shelter

$867

CSAA

$864

Country Financial

$850

Plymouth Rock Assurance

$849

Alfa

$845

American Family

$826

Nationwide

$816

West Bend Mutual

$765

GEICO

$759

Erie

$723

North Carolina Farm Bureau

$718

Arbella

$711

Grinnell Mutual

$697

Auto-Owners Insurance Co

$694

State Farm

$692

NJM

$678

USAA

$597

Vermont Mutual

$559

Cincinnati Insurance

$556

Texas Farm Bureau

$520

PEMCO

$495

American National P&C

$487

Hanover

$2,445

The General

$2,379

Farm Bureau Ins of MI

$1,463

National General

$1,355

Kemper

$1,319

Mercury

$1,264

Direct General Insurance

$1,101

Chubb

$1,062

Western National

$1,031

Grange Insurance

$1,020

Acuity

$1,019

Allstate

$1,014

AAA

$1,008

Farmers

$1,001

Hartford

$974

Shelter

$958

Progressive

$952

MAPFRE

$947

Alfa

$936

Amica Mutual

$931

Travelers

$911

CSAA

$890

Country Financial

$876

Safety Group

$874

Westfield

$858

Nationwide

$833

American Family

$802

Grinnell Mutual

$782

GEICO

$773

Erie

$763

West Bend Mutual

$737

Plymouth Rock Assurance

$731

State Farm

$728

Auto-Owners Insurance Co

$722

NJM

$708

Arbella

$694

North Carolina Farm Bureau

$643

Cincinnati Insurance

$607

USAA

$590

Texas Farm Bureau

$569

Vermont Mutual

$569

American National P&C

$527

PEMCO

$518

Hanover

$2,172

The General

$1,921

Direct General Insurance

$1,081

Mercury

$1,055

Kemper

$1,010

National General

$996

Farmers

$929

Allstate

$904

Farm Bureau Ins of MI

$872

Amica Mutual

$817

AAA

$806

Safety Group

$795

Shelter

$777

Progressive

$776

Travelers

$775

Chubb

$766

Grange Insurance

$765

Hartford

$749

GEICO

$705

Acuity

$698

Plymouth Rock Assurance

$688

American Family

$684

CSAA

$676

Country Financial

$658

Arbella

$631

State Farm

$615

Alfa

$601

Nationwide

$587

North Carolina Farm Bureau

$571

Westfield

$563

NJM

$545

MAPFRE

$543

Erie

$525

West Bend Mutual

$510

Auto-Owners Insurance Co

$506

Western National

$478

USAA

$420

Texas Farm Bureau

$419

Vermont Mutual

$411

American National P&C

$389

PEMCO

$387

Cincinnati Insurance

$372

Grinnell Mutual

$371

Hanover

$3,092

The General

$3,002

Hanover

$2,172

The General

$1,921

National General

$1,789

Kemper

$1,711

Mercury

$1,710

Farm Bureau Ins of MI

$1,677

Direct General Insurance

$1,533

AAA

$1,395

Farmers

$1,382

Chubb

$1,372

Western National

$1,355

Shelter

$1,355

Grange Insurance

$1,336

Allstate

$1,326

Acuity

$1,318

Hartford

$1,291

Progressive

$1,282

Amica Mutual

$1,272

Safety Group

$1,253

CSAA

$1,206

Alfa

$1,206

Travelers

$1,170

Westfield

$1,149

MAPFRE

$1,148

Country Financial

$1,127

GEICO

$1,086

Direct General Insurance

$1,081

Mercury

$1,055

Nationwide

$1,047

Kemper

$1,010

Grinnell Mutual

$1,004

American Family

$997

National General

$996

Plymouth Rock Assurance

$975

Erie

$964

Arbella

$956

State Farm

$944

Farmers

$929

Auto-Owners Insurance Co

$927

West Bend Mutual

$918

Allstate

$904

NJM

$880

Farm Bureau Ins of MI

$872

Amica Mutual

$817

AAA

$806

Safety Group

$795

Cincinnati Insurance

$782

Shelter

$777

Progressive

$776

Travelers

$775

USAA

$768

Vermont Mutual

$767

Chubb

$766

Grange Insurance

$765

Texas Farm Bureau

$758

Hartford

$749

North Carolina Farm Bureau

$748

GEICO

$705

Acuity

$698

PEMCO

$689

Plymouth Rock Assurance

$688

American Family

$684

CSAA

$676

American National P&C

$672

Country Financial

$658

Arbella

$631

State Farm

$615

Alfa

$601

Nationwide

$587

North Carolina Farm Bureau

$571

Westfield

$563

NJM

$545

MAPFRE

$543

Erie

$525

West Bend Mutual

$510

Auto-Owners Insurance Co

$506

Western National

$478

USAA

$420

Texas Farm Bureau

$419

Vermont Mutual

$411

American National P&C

$389

PEMCO

$387

Cincinnati Insurance

$372

Grinnell Mutual

$371

Hanover

$3,046

The General

$2,664

Kemper

$1,583

National General

$1,577

Mercury

$1,558

Farm Bureau Ins of MI

$1,555

Direct General Insurance

$1,435

Farmers

$1,276

Chubb

$1,227

Allstate

$1,205

Acuity

$1,178

Amica Mutual

$1,177

AAA

$1,176

Grange Insurance

$1,149

Safety Group

$1,140

Progressive

$1,138

Hartford

$1,135

Travelers

$1,098

MAPFRE

$1,092

Shelter

$1,091

Western National

$1,080

CSAA

$1,065

Westfield

$1,035

Alfa

$1,024

Country Financial

$1,009

Plymouth Rock Assurance

$999

GEICO

$999

American Family

$966

Nationwide

$909

West Bend Mutual

$892

State Farm

$869

Arbella

$868

North Carolina Farm Bureau

$829

Auto-Owners Insurance Co

$826

Erie

$826

Grinnell Mutual

$798

NJM

$781

USAA

$710

Cincinnati Insurance

$663

Vermont Mutual

$661

Texas Farm Bureau

$644

PEMCO

$598

American National P&C

$584

Hanover

$2,973

The General

$2,862

Mercury

$1,613

Kemper

$1,575

National General

$1,558

Farm Bureau Ins of MI

$1,556

Direct General Insurance

$1,443

Farmers

$1,298

Chubb

$1,270

AAA

$1,262

Allstate

$1,231

Grange Insurance

$1,222

Acuity

$1,216

Shelter

$1,182

Progressive

$1,179

Western National

$1,177

Amica Mutual

$1,174

Hartford

$1,172

Safety Group

$1,130

Travelers

$1,118

Alfa

$1,115

MAPFRE

$1,092

CSAA

$1,091

Country Financial

$1,034

GEICO

$1,013

Westfield

$1,007

American Family

$941

Nationwide

$926

State Farm

$905

Grinnell Mutual

$883

Plymouth Rock Assurance

$881

Erie

$865

West Bend Mutual

$864

Auto-Owners Insurance Co

$853

Arbella

$852

NJM

$812

North Carolina Farm Bureau

$754

Cincinnati Insurance

$714

USAA

$704

Texas Farm Bureau

$693

Vermont Mutual

$671

American National P&C

$624

PEMCO

$621

The General

$1,921

Hanover

$1,860

Direct General Insurance

$1,081

Kemper

$908

Mercury

$899

National General

$860

Farm Bureau Ins of MI

$801

Allstate

$786

Farmers

$769

Hartford

$685

AAA

$676

Amica Mutual

$676

Progressive

$664

Grange Insurance

$657

Chubb

$656

Shelter

$648

Travelers

$644

CSAA

$612

GEICO

$602

Alfa

$601

Safety Group

$600

American Family

$558

Acuity

$551

Country Financial

$543

NJM

$531

Arbella

$512

State Farm

$499

Nationwide

$495

MAPFRE

$491

Plymouth Rock Assurance

$475

Westfield

$468

North Carolina Farm Bureau

$449

Erie

$447

Auto-Owners Insurance Co

$416

West Bend Mutual

$404

Western National

$398

USAA

$365

Texas Farm Bureau

$354

PEMCO

$334

American National P&C

$329

Cincinnati Insurance

$328

Grinnell Mutual

$314

Vermont Mutual

$288

The General

$3,002

Hanover

$2,876

National General

$1,671

Kemper

$1,629

Farm Bureau Ins of MI

$1,606

Mercury

$1,560

Direct General Insurance

$1,533

Chubb

$1,301

AAA

$1,287

Western National

$1,287

Farmers

$1,243

Allstate

$1,238

Shelter

$1,237

Grange Insurance

$1,230

Hartford

$1,226

Alfa

$1,206

Acuity

$1,204

Progressive

$1,190

Amica Mutual

$1,178

Safety Group

$1,142

CSAA

$1,141

MAPFRE

$1,096

Westfield

$1,082

Travelers

$1,067

Country Financial

$1,051

GEICO

$996

Nationwide

$977

Grinnell Mutual

$951

Erie

$918

Plymouth Rock Assurance

$915

American Family

$913

Arbella

$913

NJM

$866

State Farm

$858

Auto-Owners Insurance Co

$854

West Bend Mutual

$840

Cincinnati Insurance

$739

USAA

$722

North Carolina Farm Bureau

$701

Texas Farm Bureau

$693

Vermont Mutual

$686

PEMCO

$638

American National P&C

$626

Hanover

$2,830

The General

$2,664

Kemper

$1,500

Farm Bureau Ins of MI

$1,484

National General

$1,460

Direct General Insurance

$1,435

Mercury

$1,408

Chubb

$1,156

Farmers

$1,137

Allstate

$1,117

Amica Mutual

$1,083

Hartford

$1,070

AAA

$1,069

Acuity

$1,065

Progressive

$1,047

Grange Insurance

$1,042

MAPFRE

$1,040

Safety Group

$1,029

Alfa

$1,024

Western National

$1,012

CSAA

$1,000

Travelers

$996

Shelter

$973

Westfield

$968

Plymouth Rock Assurance

$939

Country Financial

$933

GEICO

$909

American Family

$882

Nationwide

$839

Arbella

$826

West Bend Mutual

$814

State Farm

$783

North Carolina Farm Bureau

$782

Erie

$780

NJM

$767

Auto-Owners Insurance Co

$753

Grinnell Mutual

$745

USAA

$664

Cincinnati Insurance

$620

Vermont Mutual

$580

Texas Farm Bureau

$580

PEMCO

$546

American National P&C

$538

The General

$2,862

Hanover

$2,757

Kemper

$1,492

Farm Bureau Ins of MI

$1,484

Mercury

$1,463

Direct General Insurance

$1,443

National General

$1,441

Chubb

$1,199

Farmers

$1,160

AAA

$1,155

Allstate

$1,143

Grange Insurance

$1,116

Alfa

$1,115

Western National

$1,109

Hartford

$1,108

Acuity

$1,102

Progressive

$1,088

Amica Mutual

$1,080

Shelter

$1,064

MAPFRE

$1,040

CSAA

$1,027

Safety Group

$1,019

Travelers

$1,015

Country Financial

$958

Westfield

$940

GEICO

$923

American Family

$858

Nationwide

$856

Grinnell Mutual

$830

Plymouth Rock Assurance

$820

State Farm

$819

Erie

$819

Arbella

$809

NJM

$798

West Bend Mutual

$786

Auto-Owners Insurance Co

$780

North Carolina Farm Bureau

$708

Cincinnati Insurance

$671

USAA

$658

Texas Farm Bureau

$629

Vermont Mutual

$590

American National P&C

$578

PEMCO

$569

Hanover

$1,346

The General

$1,263

Farm Bureau Ins of MI

$813

Direct General Insurance

$763

National General

$692

Mercury

$664

Kemper

$640

Hartford

$632

Shelter

$628

Allstate

$604

Farmers

$572

Safety Group

$557

Chubb

$544

Grange Insurance

$521

Progressive

$514

CSAA

$512

NJM

$509

AAA

$508

Travelers

$504

American Family

$479

Nationwide

$462

Arbella

$460

Amica Mutual

$451

Country Financial

$446

Acuity

$429

GEICO

$424

State Farm

$409

Alfa

$397

Plymouth Rock Assurance

$370

Erie

$366

Westfield

$356

MAPFRE

$355

North Carolina Farm Bureau

$341

Auto-Owners Insurance Co

$340

Texas Farm Bureau

$339

Western National

$319

West Bend Mutual

$312

Grinnell Mutual

$298

Vermont Mutual

$293

Cincinnati Insurance

$289

USAA

$283

PEMCO

$262

American National P&C

$238

Hanover

$2,625

The General

$2,395

Farm Bureau Ins of MI

$1,721

National General

$1,504

Kemper

$1,423

Shelter

$1,376

Mercury

$1,343

Safety Group

$1,324

Western National

$1,314

Chubb

$1,304

Direct General Insurance

$1,286

Hartford

$1,259

AAA

$1,199

Acuity

$1,186

Grange Insurance

$1,155

Farmers

$1,149

Allstate

$1,114

Grinnell Mutual

$1,110

CSAA

$1,099

Progressive

$1,097

Alfa

$1,069

Westfield

$1,066

Arbella

$1,059

Country Financial

$1,058

Nationwide

$1,048

Travelers

$998

Amica Mutual

$914

NJM

$905

MAPFRE

$893

American Family

$890

GEICO

$879

Plymouth Rock Assurance

$870

Erie

$863

Auto-Owners Insurance Co

$861

State Farm

$834

Cincinnati Insurance

$805

Texas Farm Bureau

$776

West Bend Mutual

$767

Vermont Mutual

$729

USAA

$688

North Carolina Farm Bureau

$643

American National P&C

$599

PEMCO

$551

Hanover

$2,575

The General

$2,107

Farm Bureau Ins of MI

$1,589

National General

$1,292

Kemper

$1,292

Mercury

$1,202

Direct General Insurance

$1,162

Safety Group

$1,144

Chubb

$1,129

Hartford

$1,072

Acuity

$1,041

Shelter

$1,035

Farmers

$1,014

Western National

$1,011

Allstate

$976

Grange Insurance

$955

AAA

$954

CSAA

$942

Progressive

$940

Westfield

$933

MAPFRE

$920

Travelers

$915

Country Financial

$914

Arbella

$901

Plymouth Rock Assurance

$888

Nationwide

$876

Grinnell Mutual

$857

Alfa

$857

American Family

$846

Amica Mutual

$831

NJM

$787

GEICO

$782

West Bend Mutual

$752

State Farm

$743

Auto-Owners Insurance Co

$732

Erie

$726

North Carolina Farm Bureau

$723

Cincinnati Insurance

$656

Texas Farm Bureau

$627

USAA

$618

Vermont Mutual

$616

American National P&C

$490

PEMCO

$462

Hanover

$2,460

The General

$2,245

Farm Bureau Ins of MI

$1,583

National General

$1,273

Kemper

$1,272

Mercury

$1,242

Chubb

$1,183

Direct General Insurance

$1,178

Shelter

$1,152

Safety Group

$1,134

Hartford

$1,117

Western National

$1,115

Acuity

$1,068

AAA

$1,051

Farmers

$1,045

Grange Insurance

$1,027

Allstate

$1,008

Progressive

$985

CSAA

$970

Alfa

$964

Grinnell Mutual

$954

Country Financial

$948

Travelers

$936

Arbella

$904

Westfield

$902

Nationwide

$901

MAPFRE

$843

Amica Mutual

$830

American Family

$826

NJM

$822

GEICO

$795

State Farm

$787

Auto-Owners Insurance Co

$771

Plymouth Rock Assurance

$767

Erie

$763

Cincinnati Insurance

$720

West Bend Mutual

$709

Texas Farm Bureau

$691

North Carolina Farm Bureau

$648

Vermont Mutual

$614

USAA

$614

American National P&C

$540

PEMCO

$486

Hanover

$2,043

The General

$1,708

Direct General Insurance

$1,089

Safety Group

$1,080

Mercury

$987

Shelter

$923

Farm Bureau Ins of MI

$916

Kemper

$905

Farmers

$883

National General

$880

Allstate

$851

Hartford

$849

Chubb

$827

AAA

$798

Arbella

$795

Progressive

$765

CSAA

$754

Travelers

$753

Grange Insurance

$735

Amica Mutual

$727

Plymouth Rock Assurance

$703

GEICO

$686

Country Financial

$673

Acuity

$671

American Family

$668

State Farm

$651

NJM

$636

Nationwide

$611

North Carolina Farm Bureau

$576

Alfa

$567

MAPFRE

$555

Westfield

$528

Erie

$528

Auto-Owners Insurance Co

$493

Western National

$489

Texas Farm Bureau

$483

West Bend Mutual

$481

Vermont Mutual

$468

Grinnell Mutual

$435

Cincinnati Insurance

$412

USAA

$403

PEMCO

$357

American National P&C

$348

Hanover

$3,122

The General

$2,840

Hanover

$2,043

Farm Bureau Ins of MI

$1,818

Safety Group

$1,721

The General

$1,708

National General

$1,660

Shelter

$1,653

Mercury

$1,652

Kemper

$1,643

Direct General Insurance

$1,612

Chubb

$1,525

Hartford

$1,475

Western National

$1,461

AAA

$1,450

Farmers

$1,430

Acuity

$1,387

Grange Insurance

$1,369

CSAA

$1,341

Progressive

$1,317

Allstate

$1,315

Arbella

$1,269

Alfa

$1,239

Grinnell Mutual

$1,234

Country Financial

$1,225

Westfield

$1,206

Travelers

$1,199

Nationwide

$1,160

Amica Mutual

$1,128

GEICO

$1,112

MAPFRE

$1,090

Direct General Insurance

$1,089

Safety Group

$1,080

NJM

$1,032

State Farm

$1,029

American Family

$1,022

Plymouth Rock Assurance

$1,017

Auto-Owners Insurance Co

$993

Mercury

$987

Erie

$967

Cincinnati Insurance

$926

Shelter

$923

Texas Farm Bureau

$920

Farm Bureau Ins of MI

$916

Kemper

$905

West Bend Mutual

$894

Farmers

$883

National General

$880

Vermont Mutual

$858

Allstate

$851

Hartford

$849

Chubb

$827

AAA

$798

Arbella

$795

USAA

$790

Progressive

$765

North Carolina Farm Bureau

$758

CSAA

$754

Travelers

$753

Grange Insurance

$735

Amica Mutual

$727

Plymouth Rock Assurance

$703

GEICO

$686

American National P&C

$685

Country Financial

$673

Acuity

$671

American Family

$668

State Farm

$651

PEMCO

$646

NJM

$636

Nationwide

$611

North Carolina Farm Bureau

$576

Alfa

$567

MAPFRE

$555

Westfield

$528

Erie

$528

Auto-Owners Insurance Co

$493

Western National

$489

Texas Farm Bureau

$483

West Bend Mutual

$481

Vermont Mutual

$468

Grinnell Mutual

$435

Cincinnati Insurance

$412

USAA

$403

PEMCO

$357

American National P&C

$348

Hanover

$3,072

The General

$2,551

Farm Bureau Ins of MI

$1,686

Safety Group

$1,541

Mercury

$1,511

Kemper

$1,511

Direct General Insurance

$1,489

National General

$1,447

Chubb

$1,350

Shelter

$1,313

Farmers

$1,294

Hartford

$1,288

Acuity

$1,241

AAA

$1,206

CSAA

$1,184

Allstate

$1,177

Grange Insurance

$1,169

Progressive

$1,160

Western National

$1,159

MAPFRE

$1,117

Travelers

$1,115

Arbella

$1,112

Country Financial

$1,082

Westfield

$1,074

Amica Mutual

$1,045

Plymouth Rock Assurance

$1,035

Alfa

$1,027

GEICO

$1,015

Nationwide

$988

Grinnell Mutual

$981

American Family

$978

State Farm

$937

NJM

$915

West Bend Mutual

$879

Auto-Owners Insurance Co

$864

North Carolina Farm Bureau

$838

Erie

$830

Cincinnati Insurance

$776

Texas Farm Bureau

$771

Vermont Mutual

$745

USAA

$721

American National P&C

$576

PEMCO

$557

Hanover

$2,957

The General

$2,690

Farm Bureau Ins of MI

$1,680

Mercury

$1,552

Safety Group

$1,531

Direct General Insurance

$1,504

Kemper

$1,491

Shelter

$1,430

National General

$1,429

Chubb

$1,405

Hartford

$1,334

Farmers

$1,326

AAA

$1,303

Acuity

$1,269

Western National

$1,263

Grange Insurance

$1,241

CSAA

$1,213

Allstate

$1,209

Progressive

$1,204

Travelers

$1,137

Alfa

$1,134

Country Financial

$1,116

Arbella

$1,115

Grinnell Mutual

$1,078

Amica Mutual

$1,044

Westfield

$1,042

MAPFRE

$1,040

GEICO

$1,028

Nationwide

$1,013

State Farm

$981

American Family

$958

NJM

$949

Plymouth Rock Assurance

$914

Auto-Owners Insurance Co

$902

Erie

$867

Cincinnati Insurance

$840

West Bend Mutual

$836

Texas Farm Bureau

$835

North Carolina Farm Bureau

$764

Vermont Mutual

$743

USAA

$716

American National P&C

$626

PEMCO

$581

Hanover

$1,708

The General

$1,666

Direct General Insurance

$1,088

Mercury

$856

Farm Bureau Ins of MI

$836

Kemper

$806

Safety Group

$800

Hartford

$780

Shelter

$756

National General

$754

Allstate

$738

Farmers

$731

Chubb

$712

AAA

$667

Progressive

$666

CSAA

$666

Arbella

$662

Travelers

$621

Grange Insurance

$619

NJM

$609

Amica Mutual

$604

GEICO

$579

Alfa

$568

Country Financial

$553

American Family

$548

State Farm

$523

Acuity

$513

Nationwide

$506

Plymouth Rock Assurance

$492

North Carolina Farm Bureau

$450

Erie

$448

MAPFRE

$438

Westfield

$435

Western National

$412

Auto-Owners Insurance Co

$408

Texas Farm Bureau

$408

West Bend Mutual

$367

Grinnell Mutual

$361

Cincinnati Insurance

$361

USAA

$357

Vermont Mutual

$322

PEMCO

$309

American National P&C

$292

Hanover

$2,909

The General

$2,797

Farm Bureau Ins of MI

$1,743

Direct General Insurance

$1,611

Kemper

$1,566

National General

$1,552

Safety Group

$1,536

Mercury

$1,528

Shelter

$1,495

Chubb

$1,451

Hartford

$1,407

Western National

$1,395

AAA

$1,341

Farmers

$1,296

Acuity

$1,264

Grange Insurance

$1,254

CSAA

$1,252

Alfa

$1,241

Progressive

$1,232

Allstate

$1,230

Arbella

$1,212

Grinnell Mutual

$1,166

Country Financial

$1,145

Westfield

$1,143

Travelers

$1,099

Nationwide

$1,077

Amica Mutual

$1,046

GEICO

$1,020

NJM

$1,005

MAPFRE

$975

Plymouth Rock Assurance

$963

American Family

$944

State Farm

$931

Auto-Owners Insurance Co

$920

Erie

$920

Cincinnati Insurance

$876

Texas Farm Bureau

$845

West Bend Mutual

$810

Vermont Mutual

$758

USAA

$753

North Carolina Farm Bureau

$707

American National P&C

$644

PEMCO

$598

Hanover

$2,859

The General

$2,509

Farm Bureau Ins of MI

$1,612

Direct General Insurance

$1,487

Kemper

$1,434

Mercury

$1,387

Safety Group

$1,356

National General

$1,339

Chubb

$1,275

Hartford

$1,220

Farmers

$1,160

Shelter

$1,155

Acuity

$1,118

AAA

$1,097

CSAA

$1,095

Western National

$1,092

Allstate

$1,092

Progressive

$1,076

Arbella

$1,055

Grange Insurance

$1,054

Alfa

$1,028

Travelers

$1,015

Westfield

$1,011

MAPFRE

$1,002

Country Financial

$1,001

Plymouth Rock Assurance

$981

Amica Mutual

$963

GEICO

$923

Grinnell Mutual

$913

Nationwide

$905

American Family

$901

NJM

$887

State Farm

$839

West Bend Mutual

$794

Auto-Owners Insurance Co

$792

North Carolina Farm Bureau

$787

Erie

$783

Cincinnati Insurance

$727

Texas Farm Bureau

$696

USAA

$683

Vermont Mutual

$645

American National P&C

$535

PEMCO

$509

Hanover

$2,744

The General

$2,647

Farm Bureau Ins of MI

$1,605

Direct General Insurance

$1,503

Mercury

$1,428

Kemper

$1,414

Safety Group

$1,346

Chubb

$1,330

National General

$1,321

Shelter

$1,272

Hartford

$1,265

Western National

$1,197

AAA

$1,194

Farmers

$1,192

Acuity

$1,146

Alfa

$1,136

Grange Insurance

$1,126

CSAA

$1,124

Allstate

$1,124

Progressive

$1,120

Arbella

$1,058

Travelers

$1,037

Country Financial

$1,036

Grinnell Mutual

$1,010

Westfield

$979

Amica Mutual

$962

GEICO

$936

Nationwide

$930

MAPFRE

$926

NJM

$922

State Farm

$883

American Family

$880

Plymouth Rock Assurance

$861

Auto-Owners Insurance Co

$830

Erie

$820

Cincinnati Insurance

$790

Texas Farm Bureau

$760

West Bend Mutual

$752

North Carolina Farm Bureau

$713

USAA

$679

Vermont Mutual

$643

American National P&C

$585

PEMCO

$533

The General

$1,911

Hanover

$1,750

MAPFRE

$1,382

Farm Bureau Ins of MI

$1,006

Direct General Insurance

$928

Shelter

$901

National General

$843

Hartford

$828

Chubb

$784

Mercury

$767

Kemper

$745

Safety Group

$704

Farmers

$692

AAA

$645

Allstate

$641

Country Financial

$609

Acuity

$607

NJM

$605

Nationwide

$592

CSAA

$580

Progressive

$579

Grange Insurance

$571

American Family

$559

Travelers

$548

Alfa

$543

GEICO

$500

State Farm

$494

Amica Mutual

$491

Arbella

$472

Western National

$472

West Bend Mutual

$470

Erie

$457

Vermont Mutual

$446

Westfield

$444

Auto-Owners Insurance Co

$441

Texas Farm Bureau

$433

North Carolina Farm Bureau

$425

Plymouth Rock Assurance

$409

Cincinnati Insurance

$405

Grinnell Mutual

$380

USAA

$340

PEMCO

$326

American National P&C

$279

The General

$3,580

MAPFRE

$3,483

Hanover

$3,341

Farm Bureau Ins of MI

$2,127

Shelter

$1,959

Western National

$1,927

National General

$1,861

Chubb

$1,805

Kemper

$1,772

Mercury

$1,699

Safety Group

$1,668

Hartford

$1,665

Direct General Insurance

$1,591

Acuity

$1,590

AAA

$1,564

Grinnell Mutual

$1,509

Alfa

$1,431

Country Financial

$1,394

Westfield

$1,383

Farmers

$1,374

Progressive

$1,343

Grange Insurance

$1,316

Nationwide

$1,295

CSAA

$1,254

Allstate

$1,252

Travelers

$1,147

Auto-Owners Insurance Co

$1,147

Vermont Mutual

$1,122

Cincinnati Insurance

$1,107

NJM

$1,106

West Bend Mutual

$1,101

Erie

$1,096

Arbella

$1,081

GEICO

$1,053

American Family

$1,052

State Farm

$1,045

Plymouth Rock Assurance

$1,023

Amica Mutual

$1,023

Texas Farm Bureau

$939

USAA

$853

North Carolina Farm Bureau

$811

American National P&C

$745

PEMCO

$698

MAPFRE

$3,289

Hanover

$3,174

The General

$3,057

Farm Bureau Ins of MI

$1,957

National General

$1,572

Kemper

$1,566

Chubb

$1,538

Mercury

$1,480

Shelter

$1,479

Western National

$1,472

Direct General Insurance

$1,438

Hartford

$1,424

Safety Group

$1,413

Acuity

$1,364

AAA

$1,227

Westfield

$1,205

Farmers

$1,204

Country Financial

$1,188

Alfa

$1,164

Grinnell Mutual

$1,140

Progressive

$1,118

Allstate

$1,076

Nationwide

$1,073

CSAA

$1,072

Grange Insurance

$1,065

West Bend Mutual

$1,051

Travelers

$1,033

Plymouth Rock Assurance

$997

American Family

$990

Auto-Owners Insurance Co

$963

NJM

$946

Amica Mutual

$927

Vermont Mutual

$921

GEICO

$921

Arbella

$918

State Farm

$915

Erie

$900

Cincinnati Insurance

$897

North Carolina Farm Bureau

$880

Texas Farm Bureau

$765

USAA

$760

American National P&C

$599

PEMCO

$582

The General

$3,363

MAPFRE

$3,289

Hanover

$3,118

Farm Bureau Ins of MI

$1,958

Shelter

$1,641

Western National

$1,636

Chubb

$1,630

Kemper

$1,564

Mercury

$1,560

National General

$1,554

Hartford

$1,478

Direct General Insurance

$1,450

Safety Group

$1,442

Acuity

$1,436

AAA

$1,362

Alfa

$1,300

Grinnell Mutual

$1,292

Farmers

$1,249

Country Financial

$1,244

Progressive

$1,188

Westfield

$1,174

Grange Insurance

$1,165

Allstate

$1,121

Nationwide

$1,110

CSAA

$1,106

Travelers

$1,069

West Bend Mutual

$1,022

Auto-Owners Insurance Co

$1,021

NJM

$995

Cincinnati Insurance

$989

State Farm

$982

American Family

$972

Erie

$961

Vermont Mutual

$960

GEICO

$946

Amica Mutual

$925

Arbella

$923

Plymouth Rock Assurance

$882

Texas Farm Bureau

$840

North Carolina Farm Bureau

$805

USAA

$754

American National P&C

$668

PEMCO

$613

Hanover

$2,590

The General

$2,558

MAPFRE

$1,885

Direct General Insurance

$1,398

Shelter

$1,303

Safety Group

$1,274

Mercury

$1,188

Hartford

$1,147

Chubb

$1,143

Farm Bureau Ins of MI

$1,125

Farmers

$1,069

National General

$1,055

Kemper

$1,031

AAA

$1,004

Acuity

$912

Country Financial

$906

Allstate

$898

Progressive

$888

CSAA

$851

Travelers

$821

Amica Mutual

$815

Arbella

$812

Grange Insurance

$809

GEICO

$808

NJM

$800

Plymouth Rock Assurance

$790

Alfa

$787

American Family

$779

State Farm

$768

Nationwide

$767

Western National

$723

West Bend Mutual

$684

North Carolina Farm Bureau

$682

Vermont Mutual

$669

Westfield

$655

Erie

$645

Auto-Owners Insurance Co

$644

Texas Farm Bureau

$625

Cincinnati Insurance

$575

Grinnell Mutual

$543

USAA

$496

PEMCO

$442

American National P&C

$405

The General

$4,227

Hanover

$4,010

MAPFRE

$3,986

Hanover

$2,590

The General

$2,558

Shelter

$2,342

Farm Bureau Ins of MI

$2,247

Western National

$2,157

Mercury

$2,107

Safety Group

$2,107

Chubb

$2,103

Direct General Insurance

$2,061

National General

$2,040

Kemper

$2,016

Hartford

$1,984

MAPFRE

$1,885

AAA

$1,884

Acuity

$1,857

Farmers

$1,724

Alfa

$1,674

Grinnell Mutual

$1,661

Country Financial

$1,631

Progressive

$1,621

Westfield

$1,563

Grange Insurance

$1,555

CSAA

$1,526

Allstate

$1,464

Nationwide

$1,433

Direct General Insurance

$1,398

Travelers

$1,373

GEICO

$1,334

Auto-Owners Insurance Co

$1,330

Shelter

$1,303

NJM

$1,301

Arbella

$1,297

Vermont Mutual

$1,296

Amica Mutual

$1,275

Cincinnati Insurance

$1,274

West Bend Mutual

$1,274

Safety Group

$1,274

State Farm

$1,272

Erie

$1,226

American Family

$1,217

Plymouth Rock Assurance

$1,213

Mercury

$1,188

Hartford

$1,147

Chubb

$1,143

Texas Farm Bureau

$1,130

Farm Bureau Ins of MI

$1,125

Farmers

$1,069

National General

$1,055

Kemper

$1,031

AAA

$1,004

USAA

$992

North Carolina Farm Bureau

$948

Acuity

$912

Country Financial

$906

Allstate

$898

Progressive

$888

CSAA

$851

American National P&C

$847

Travelers

$821

Amica Mutual

$815

PEMCO

$814

Arbella

$812

Grange Insurance

$809

GEICO

$808

NJM

$800

Plymouth Rock Assurance

$790

Alfa

$787

American Family

$779

State Farm

$768

Nationwide

$767

Western National

$723

West Bend Mutual

$684

North Carolina Farm Bureau

$682

Vermont Mutual

$669

Westfield

$655

Erie

$645

Auto-Owners Insurance Co

$644

Texas Farm Bureau

$625

Cincinnati Insurance

$575

Grinnell Mutual

$543

USAA

$496

PEMCO

$442

American National P&C

$405

Hanover

$3,843

MAPFRE

$3,792

The General

$3,704

Farm Bureau Ins of MI

$2,077

Direct General Insurance

$1,908

Mercury

$1,888

Shelter

$1,862

Safety Group

$1,852

Chubb

$1,836

Kemper

$1,810

National General

$1,751

Hartford

$1,743

Western National

$1,702

Acuity

$1,631

Farmers

$1,554

AAA

$1,547

Country Financial

$1,426

Alfa

$1,408

Progressive

$1,396

Westfield

$1,384

CSAA

$1,344

Grange Insurance

$1,304

Grinnell Mutual

$1,292

Allstate

$1,288

Travelers

$1,259

West Bend Mutual

$1,224

Nationwide

$1,211

GEICO

$1,202

Plymouth Rock Assurance

$1,187

Amica Mutual

$1,179

American Family

$1,154

Auto-Owners Insurance Co

$1,146

State Farm

$1,142

NJM

$1,140

Arbella

$1,134

Vermont Mutual

$1,095

Cincinnati Insurance

$1,065

Erie

$1,030

North Carolina Farm Bureau

$1,017

Texas Farm Bureau

$957

USAA

$899

American National P&C

$701

PEMCO

$699

The General

$4,010

MAPFRE

$3,792

Hanover

$3,787

Farm Bureau Ins of MI

$2,077

Shelter

$2,025

Mercury

$1,968

Chubb

$1,928

Direct General Insurance

$1,920

Safety Group

$1,881

Western National

$1,865

Kemper

$1,807

Hartford

$1,797

National General

$1,733

Acuity

$1,703

AAA

$1,682

Farmers

$1,600

Alfa

$1,543

Country Financial

$1,481

Progressive

$1,466

Grinnell Mutual

$1,444

Grange Insurance

$1,403

CSAA

$1,377

Westfield

$1,354

Allstate

$1,332

Travelers

$1,295

Nationwide

$1,248

GEICO

$1,228

State Farm

$1,209

Auto-Owners Insurance Co

$1,205

West Bend Mutual

$1,194

NJM

$1,190

Amica Mutual

$1,176

Cincinnati Insurance

$1,157

Arbella

$1,138

American Family

$1,137

Vermont Mutual

$1,134

Erie

$1,091

Plymouth Rock Assurance

$1,072

Texas Farm Bureau

$1,032

North Carolina Farm Bureau

$943

USAA

$893

American National P&C

$770

PEMCO

$729

The General

$2,558

Hanover

$2,221

MAPFRE

$1,704

Direct General Insurance

$1,398

Shelter

$1,089

Hartford

$1,041

Farm Bureau Ins of MI

$1,034

Chubb

$1,028

Mercury

$1,007

Safety Group

$985

Kemper

$932

National General

$909

Farmers

$891

AAA

$845

Alfa

$787

Allstate

$784

NJM

$773

CSAA

$763

Progressive

$757

Country Financial

$753

Acuity

$727

GEICO

$691

Grange Insurance

$684

Travelers

$679

Arbella

$678

Amica Mutual

$673

Nationwide

$644

American Family

$644

State Farm

$629

Western National

$606

Erie

$556

Plymouth Rock Assurance

$552

North Carolina Farm Bureau

$551

West Bend Mutual

$549

Westfield

$544

Auto-Owners Insurance Co

$530

Texas Farm Bureau

$525

Cincinnati Insurance

$505

Vermont Mutual

$481

Grinnell Mutual

$460

USAA

$431

PEMCO

$382

American National P&C

$342

The General

$4,227

MAPFRE

$3,805

Hanover

$3,735

Farm Bureau Ins of MI

$2,155

Shelter

$2,138

Direct General Insurance

$2,061

Western National

$2,050

Chubb

$2,028

Kemper

$1,936

Mercury

$1,932

Safety Group

$1,917

National General

$1,912

Hartford

$1,879

AAA

$1,747

Acuity

$1,704

Alfa

$1,674

Grinnell Mutual

$1,581

Farmers

$1,561

Country Financial

$1,518

Progressive

$1,508

Westfield

$1,482

CSAA

$1,437

Grange Insurance

$1,431

Allstate

$1,378

Nationwide

$1,331

NJM

$1,274

Travelers

$1,261

Arbella

$1,239

GEICO

$1,230

Auto-Owners Insurance Co

$1,228

Cincinnati Insurance

$1,205

Amica Mutual

$1,181

Erie

$1,169

West Bend Mutual

$1,168

State Farm

$1,163

Vermont Mutual

$1,157

Plymouth Rock Assurance

$1,137

American Family

$1,122

Texas Farm Bureau

$1,031

USAA

$935

North Carolina Farm Bureau

$891

American National P&C

$798

PEMCO

$755

The General

$3,704

MAPFRE

$3,611

Hanover

$3,568

Farm Bureau Ins of MI

$1,985

Direct General Insurance

$1,908

Chubb

$1,761

Kemper

$1,730

Mercury

$1,713

Safety Group

$1,662

Shelter

$1,658

Hartford

$1,638

National General

$1,624

Western National

$1,595

Acuity

$1,477

AAA

$1,410

Alfa

$1,408

Farmers

$1,391

Country Financial

$1,313

Westfield

$1,304

Progressive

$1,283

CSAA

$1,255

Grinnell Mutual

$1,213

Allstate

$1,202

Grange Insurance

$1,180

Travelers

$1,147

West Bend Mutual

$1,118

NJM

$1,114

Plymouth Rock Assurance

$1,111

Nationwide

$1,110

GEICO

$1,098

Amica Mutual

$1,085

Arbella

$1,076

American Family

$1,060

Auto-Owners Insurance Co

$1,044

State Farm

$1,032

Cincinnati Insurance

$996

Erie

$973

North Carolina Farm Bureau

$960

Vermont Mutual

$957

Texas Farm Bureau

$858

USAA

$842

American National P&C

$652

PEMCO

$640

The General

$4,010

MAPFRE

$3,611

Hanover

$3,512

Farm Bureau Ins of MI

$1,985

Direct General Insurance

$1,920

Chubb

$1,853

Shelter

$1,821

Mercury

$1,793

Western National

$1,758

Kemper

$1,728

Hartford

$1,692

Safety Group

$1,691

National General

$1,606

Acuity

$1,550

AAA

$1,545

Alfa

$1,543

Farmers

$1,437

Country Financial

$1,369

Grinnell Mutual

$1,364

Progressive

$1,353

CSAA

$1,288

Grange Insurance

$1,280

Westfield

$1,273

Allstate

$1,247

Travelers

$1,183

NJM

$1,163

Nationwide

$1,146

GEICO

$1,123

Auto-Owners Insurance Co

$1,103

State Farm

$1,099

West Bend Mutual

$1,089

Cincinnati Insurance

$1,088

Amica Mutual

$1,082

Arbella

$1,081

American Family

$1,042

Erie

$1,034

Plymouth Rock Assurance

$996

Vermont Mutual

$996

Texas Farm Bureau

$932

North Carolina Farm Bureau

$886

USAA

$836

American National P&C

$721

PEMCO

$670

MoneyGeek’s analysis on the best cheap car insurance for good drivers uses a sample profile of a 40-year-old male with no violations looking for a full coverage policy with 100/300/100 liability limits and a $1,000 deductible.

Insurance Rates

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Car Insurance Companies That Reward Good Drivers

Many major companies reward good drivers. Typically, companies offer discounts if you stay accident- or claim-free for a long period. The longer, the better the discount. That said, it’s better to consider providers that offer good driver auto insurance when choosing between policies if you have a perfect driving record.

1

Allstate

If you have an excellent driving record, Allstate offers $100 off your deductible when you sign up, with an additional $100 each year you drive accident-free up to a limit of $500.

2

Farmers

Farmers offer good drivers a car insurance discount in select states.

3

GEICO

Drivers with a perfect driving record who have insurance with GEICO may qualify for a discount if they remain accident-free for at least five years.

4

Liberty Mutual

Liberty Mutual offers safe driver discounts, whether you remain claims-free or accident-free. However, this may not apply in all states.

5

Mercury

Mercury may offer a good driver insurance discount if you or any driver on your policy remains accident- and violation-free for a certain period of time.

6

National General

National General offers a safe driver discount if you attend a defensive driving course. This is only available in certain states.

7

Nationwide

If you remain violation-free and have no accidents for at least five years, Nationwide will offer a discount. Even if you are just accident-free, you may get a separate discount.

8

Progressive

Progressive’s car insurance rewards good driving if you have no accident or violation for at least three years — which is a lower threshold compared to other providers.

9

Selective

You can receive a loss-free discount if you have not had a personal auto insurance loss over a certain period of time.

10

Shelter

Remaining accident and violation-free for at least three years can get you a safe driver discount at Shelter. This applies even if you switch to Shelter from another company. If you are a loyal Shelter policyholder, this discount may increase.

11

State Farm

If you’ve been insured by State Farm for at least three years and have no chargeable violation, you can get a discount. They also reward new customers who have been accident-free and violation-free for at least three years.

12

Travelers

At Travelers, you can get a good driver discount if you have no history of accidents, violations or major comprehensive claims for at least three years.

13

USAA

USAA requires that you maintain a good driving record for at least five years before they offer a safe driving discount.

Other Ways to Save on Premiums for Good Drivers

If you have a perfect driving record, there are more ways to save on auto insurance premiums beyond getting a good driver discount. For instance, you can combine multiple safe or good driving discounts, increase your deductible or opt for usage-based car insurance.

  • discount icon

    Find Other Discounts

    There are plenty of other car insurance discounts you can pair with good driving. For instance, if you bundle different policies or take a safe driving course, you may get a discount.

  • cashCard icon

    Increase Deductibles

    By increasing your deductible, you can easily reduce your monthly premium. Your deductible is how much you need to pay out-of-pocket when you file a claim.

  • find icon

    Telematics-Based Car Insurance

    Good drivers might benefit from telematics-based car insurance. This determines your premiums based on your driving and usage. For instance, when you drive safely, your insurance premiums are lower.

What Is a Good Driver and How Much Is a Good Driver Discount?

A good driver is an individual who has had no violations, claims or bad driving record. They are drivers who actively participate in defensive driving and may even take courses to stay updated on traffic regulations. Providers reward good driving since it reduces the risk of the driver getting into an accident.

Good drivers pay $987 on average per year for auto insurance — $249 less than drivers who have been caught with a speeding ticket.

Good Driver With No Violation vs. Driver With Speeding Ticket

boyThinking
Driver With Speeding Ticket

Average Annual Premium

$1,236
man
Driver With No Violation

Average Annual Premium

$987
Annual savings for good drivers:$249 saved

This is 20% less expensive.

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MONEYGEEK EXPERT TIP

If you have a teen on your policy or haven’t driven for long, insurers may view your policy as risky, given the higher chances of getting into an accident. You may be able to reduce your premiums by taking a defensive driving course.

Frequently Asked Questions

If you’re curious whether car insurers reward good driving, MoneyGeek answered a few commonly asked questions below.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.