Best Car Insurance for Good Drivers

Good drivers pay less for car insurance. Let's explore the discounts you'll receive with a clean driving history.

Location pin icon
Your information is secure.

Best Car Insurance for Good Drivers


No matter what car insurance companies you’re looking at, being a good driver can save you a lot of money on your premium. Because of your good driving and claims history, you’re the ideal candidate for an insurance company. Still, you’re probably paying more for auto insurance than you might like. Let’s break down the best cheap car insurance companies for good drivers and some other ways to save.


Understanding car insurance for good drivers
  1. What’s the cheapest company for good drivers?
  2. Best companies for good drivers
  3. Discounts for good drivers by company
  4. What are some other ways to save?
  5. Get quotes for good drivers




What’s the best car insurance company for good drivers?


Even if you’re a good driver, your premium will very among car insurance companies. Because they use different algorithms to determine your premium, there will always be some leeway. So, in order to determine which company has the cheapest car insurance quote, we created one user profile and examined it across the US. Here are the car insurance rates:


CHEAPEST RATES FOR DRIVERS WITH NO ACCIDENTS
CompanyPremium
Allstate$786
Geico$709
Farmers$677
Liberty Mutual$736
Nationwide$644
Progressive$729
State Farm$748
USAA$734

As you can see, Nationwide is the cheapest car insurance for good drivers. However, the term "good driver" can vary from company to company, so use our data as a reference point and compare as many companies as possible for the best price. Do that here with us.




Compare over 200 insurance companies at once!

Location pin icon
Your information is secure.



Best companies for good drivers


Although saving money is important, in the event of a claim you need a good car insurance company by your side. In order to find the best companies for good drivers for 2019, we looked at their financial strength, JD power ratings, and overall customer safication. While an in-depth analysis can be found here, below a brief summary of top-rated companies.


BEST OVERALL CAR INSURANCE PROVIDERS FOR 2019
Overall RankCustomer RatingJ.D. Power RankingFinancial Strength
1. UPCA++5Superior
2. Auto-OwnersA+5Superior
3. ErieA+5Superior
4. AmicaA+4Superior
5. NationwideA+4Superior
6. 21st CenturyA+3Excellent
7. AlliedA+3Superior
8. AllstateA+3Superior
9. CountryA+3Superior
10. FarmersA+3Excellent
11. First NationalA+3Excellent
12. PeerlessA+3Excellent
13. ProgressiveA+3Superior
14. SAFECOA+3Excellent
15. State FarmA++3Superior




What discounts should you look for?


No matter how great of a driver you are, you’re probably paying more than you might want for your car insurance. So, using the car insurance companies we mentioned above, let’s explore some possible discount options you could qualify for.



Allstate

Allstate has a couple of options for safe drivers but only one option in which you do not have to purchase an upgrade package for. Known as their "Allstate Rewards" program, safe drivers can earn points for good driving habits and can redeem them for commercial items such as designer products, gifts cards, and more.



Geico

If you’ve been accident-free for 5 years, Geico offers you an Accident-Free Good Driver discount. According to their website, this could amount to 26% in savings. They also offer a discount on your medical payments and personal injury protection coverages. These coverages, which are required in some states, cover medical costs after an accident for you and your passengers. This discount is also available if you have never been ticketed for driving without a seatbelt. This discount can reduce the premium on your medical coverage of PIP by 15%.



Farmers

Farmers offers a “Safe Driver Discount,” but doesn’t specify much else. If you’re interested in a safe driving discount and you’re a Farmers customer, speak with your agent about your options.



Liberty Mutual

Liberty Mutual offers a discount through their RightTrack program only. This type of program, which we will discuss in more detail below, is considered a part of usage-based insurance. Through RightTrack with Liberty Mutual, safe drivers are expected to save up to 30% based solely on the way you drive.



Nationwide

Like Geico, Nationwide rewards drivers who have been accident-free for 5 years with a 10% safe driving discount. In order to qualify, you must not have any accidents or major violations on your driver profile. However, it’s a little unclear what falls into the category of major violations. So, if you’re a Nationwide customer, it’s best to ask a customer service representative for more details.



Progressive

Like Liberty Mutual, Progressive’s safe driver savings option is in the form of a usage-based insurance policy. While it can vary based on many factors, Progressive advertises you could save $130 every 6 months.



State Farm

State Farm offers an Accident-Free Discount if you’ve been insured with State Farm for 3 years and have not had a chargeable incident. This phrase, “chargeable incident” refers to claims, violations, or tickets that would increase your premium. So, things like parking tickets would not affect this but speeding tickets, DUI convictions, or claims would have an affect on your premium.



USAA

USAA offers a discount for drivers who have had 5 years of accident-free driving. For more details, speak with your USAA agent.





What are some other ways to save?


As we stated, just because you’re a good driver doesn't mean your insurance premiums are affordable. If you’re looking for additional ways to save as a good driver, we have some suggestions for you.


Consider telematics

Telematics, or usage-based insurance, are plug-in devices that monitor the way you drive in order to more accurately calculate your premium. Your insurance premiums are a reflection of the kind of risk you will present to your insurance company and by monitoring the way you drive, they have a better idea of who you really are behind the wheel. Here are some advertised discounts.


CompanyEstimated Savings
Progressive's SnapShotAverage of $130
Allstate's DrivewiseAverage of 10-25%
State Farm's Drive Safe & SaveUp to 15%
Esurance's DriveSenseVaries
Nationwide's SmartRideUp to 40%
Liberty Mutual's RightTrackAverage of 5-30%

While there are some state regulations that might prohibit you from participating, telematics are great ways to save as a good driver. By monitoring your breaking, speeds, and other driving habits, they’re a better representation of how you drive.

You should consider, however, that sometimes telematics can increase your insurance premiums. If you have someone on your policy who might drive recklessly but does not have a bad driving record, this could actually cause your insurance premiums to increase. For example, if you have teen drivers on your policy. 



Be smart with your claims

By being smart with your claims, you’re basically continuing with a practice you’ve already established. Meaning, you probably consider yourself a good driver because you do not have any claims or violations on your insurance history. Still, if you do get into a situation where you’re thinking about filing a claim after an accident, consider our suggestions before you potentially lose any good driving discounts.


  1. Get an estimate for the repairs
  2. Use our State of Insurance analysis to see how much an at-fault accident raises insurance rates in your state. Your rate will be impacted by this premium increase for 3 years.
  3. If the percentage increase for filing a claim plus your deductible is greater than the out of pocket expenses (dollar value of step 1), you’re probably better off not filing a claim.

The logic behind these steps is simple: most car insurance companies will rate you for at-fault accidents for 3 years. So, if you’re thinking about filing a claim, you need to consider the long-term effect this will have on your premium. Here are some average rate increases you can expect for an accident.



Be smart with your coverage

Being smart with your coverage refers to the unfortunate truth that vehicles lose value over time and thus no longer need the same coverage as newer vehicles. By coverage, we aren’t referring to your state required liability insurance but your collision and comprehensive coverages. These coverages are optional but are generally a good idea if you have a nice vehicle. If, however, you have an older model, you might be paying for coverage you don’t need.

While there is an exact science to this determination, most insurance experts recommend reevaluating your “full coverage” needs if your vehicle is worth less than $4,000. You can determine the value of your vehicle through NADA and Kelley Blue Book.



Shop around

It’s important to consider the broadness of a “good driver.” There are many rating factors that make up your driving profile, things that are and are not related to how you drive. The only true way to determine if you’re getting the absolute best rate for you is to get as many car insurance quotes as possible. Do that here with us.



Compare over 200 insurance companies at once!

Location pin icon
Your information is secure.




Recent Questions:

Best Car Insurance for Good Drivers

Can my girlfriend and I save money on insurance if we bundle our vehicles together?

She has a truck, van, and motorcycle. I have a truck and a motorcycle. Each of us only drives our ...


How would insurance work for drivers hauling a trailer they don’t own?

The state organization owns the trailer, which we haul from a home base about a quarter-mile from the prison to ...


Do I need new car insurance after separation with jointly titled vehicles?

I’m nearing finalizing my divorce. Agent states I have to get a new auto policy because the cars are garaged ...


Can I insure two vehicles with the damage coverage under one policy?

I have two vehicles, a car and a truck. How do I insure both with the minimum liability.Without having to ...


Additional Resources:

Best Car Insurance for Good Drivers

Chevron left icon
Introducing the Insurability Score: Your Insurance Risk Decoder
Introducing the Insurability Score: Your Insurance Risk Decoder
Oct 24, 2017

Today, The Zebra debuted the Insurability Score™, a personalized calculation which reveals to drivers what is affecting their insurance risk,...

Does Your Credit Score Affect Your Car Insurance Rate?
Does Your Credit Score Affect Your Car Insurance Rate?
Jul 19, 2017

You know you need good credit to take out a loan, a mortgage, or your friend with expensive taste. But...

What Are Your Options When Your Car Lease Ends?
What Are Your Options When Your Car Lease Ends?
Jul 17, 2017

Of course there are many reasons you might want to lease your car. Perhaps you like the idea of driving...

Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Do Keyless Ignitions Actually Put Your Car – and Your Life – at Higher Risk?
Do Keyless Ignitions Actually Put Your Car – and Your Life – at Higher Risk?
Dec 14, 2017

No broken windows. No lengthy process of wedging the door open. No hotwiring, no alarm, no concerned passerby dialing 911....

When Can You Let Your Friend Drive Your Car (and When Shouldn’t You)?
When Can You Let Your Friend Drive Your Car (and When Shouldn’t You)?
Jul 26, 2017

It’s not uncommon for your friend to share your clothes, your skillet, or your favorite movie. And for those types...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

How Do Car Insurance Companies Determine Rates?
How Do Car Insurance Companies Determine Rates?
Jun 15, 2017

If you’re one of the 250 million drivers in the United States, you’re required by law to have car insurance....

Can Your Bank Force You to Get Car Insurance?
Can Your Bank Force You to Get Car Insurance?
Aug 03, 2017

Wells Fargo is now finding themselves in hot water over the recent reports that they charged over 570,000 customers for...

CLUE Report: Why Does it Matter for Your Home and Auto Insurance?
CLUE Report: Why Does it Matter for Your Home and Auto Insurance?
Jun 06, 2017

When searching for an insurance policy, it’s important for consumers to do their due diligence and compare quotes before choosing...

Car Warranty vs. Insurance: Which You Need and When
Car Warranty vs. Insurance: Which You Need and When
Sep 07, 2017

Anyone who has ever owned a “lemon” (a car that’s a dud) knows how stressful and costly car repairs can...

Religious Exemptions for Car Insurance: Are They Legal?
Religious Exemptions for Car Insurance: Are They Legal?
Aug 09, 2017

In nearly every conceivable scenario, if you’re driving around in a motor vehicle, there is no reason why you should...

6 Reasons to Leave Your Car Insurance Company
6 Reasons to Leave Your Car Insurance Company
May 05, 2017

You might be familiar with a few scenarios that could make your auto insurance rates change: You bought a new...

What I Learned After Totaling My Car 450 Miles from Home
What I Learned After Totaling My Car 450 Miles from Home
Jan 03, 2018

This past May, I took a road trip from Rhode Island to West Virginia to attend a friend’s wedding. Despite...

5 Tips to Consider Before Financing Your Car
5 Tips to Consider Before Financing Your Car
Apr 21, 2017

Buying a new (or new-to-you) car can be an overwhelming process. First, you need to research all your options to...

What is the State of Auto Insurance in 2018?
What is the State of Auto Insurance in 2018?
Feb 06, 2018

Well, we’ve done it again. We’ve gone and gotten super curious about how car insurance is impacting the 250 million...

6 Things to Know Before You Get Car Insurance
6 Things to Know Before You Get Car Insurance
Oct 04, 2017

Let’s get one thing out there. No one is especially psyched to get car insurance. You get it because it’s...

Car Insurance for Seniors
Car Insurance for Seniors
May 26, 2017

Some senior stats for you: By 2030, one in five Americans will be over 65. The first of the baby...

7 Car Rental Mistakes That Could Cost You
7 Car Rental Mistakes That Could Cost You
Apr 11, 2017

Rental cars offer tremendous convenience. Whether you need a vehicle to help you explore a vacation destination or get you...

What Happens if You Crash a Zipcar?
What Happens if You Crash a Zipcar?
Jan 09, 2018

Car sharing services like Zipcar and Car2Go allow city dwellers to forego car ownership without losing all of the perks....

How to File a Car Insurance Claim: Steps, Timing, and Costs to Expect
How to File a Car Insurance Claim: Steps, Timing, and Costs to Expect
Dec 01, 2017

You get in an accident or your car is pummeled with hail. You need to figure out how to get...

Does Your Car Insurance Policy Cover Flooding?
Does Your Car Insurance Policy Cover Flooding?
Aug 07, 2017

If you don’t live in a flood plain, making sure your car insurance covers flood damage might be low on...

Chevron right icon