Car Insurance for Good Drivers: Best Ways to Save on Auto Insurance Premiums for Safe Drivers

Name: Car Insurance for Good Drivers: Best Ways to Save on Auto Insurance Premiums for Safe Drivers
Item: Car Insurance for Good Drivers: Best Ways to Save on Auto Insurance Premiums for Safe Drivers
Author: Mark Fitzpatrick

Drivers with good driving histories often have an advantage when it comes to auto insurance — including cheaper premiums and qualifying for discounts. The most affordable car insurance for good drivers is State Farm, with premiums costing an average of $883 annually. While this is a good benchmark, you may be able to find cheaper premiums by shopping around.

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

Car Insurance Companies for Good Drivers
Car Insurance Companies That Reward Good Drivers
Other Ways to Save On Premiums for Good Drivers
Frequently Asked Questions

Key Takeaways

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

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

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.

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.

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.

Farmers

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

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.

Liberty Mutual

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

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.

National General

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

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.

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.

Selective

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

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.

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.

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.

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.

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.

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.

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

Driver With Speeding Ticket

Average Annual Premium

$1,236

Driver With No Violation

Average Annual Premium

$987

Annual savings for good drivers:$249 saved

This is 20% less expensive.

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.

What is the best car insurance for good drivers?

Based on our analysis, GEICO has the best auto insurance for good drivers. On average, they charge drivers with good histories $1,047 annually. For military drivers, however, USAA is the better option. They charge only $883 per year on average, but their policies are only available for those in military families.

Does car insurance reward good driving?

Yes! Auto insurers favor drivers with good records, as it indicates a reduced risk of getting into accidents.

How much is a good driver discount?

Good driving discounts can vary from provider to provider. Generally, however, car insurance for good drivers costs an average of $1,330 annually. In comparison, drivers with speeding tickets pay $347 more on average.

About Mark Fitzpatrick

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.