Best Car Insurance for Good Drivers

While good drivers pay less for car insurance, you still can find even more discounts

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. What discounts should I look for?
  3. What are some other ways to save?
  4. 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:


Car insurance rates for good drivers

Company Premium
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.





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.


Company Estimated Savings
Progressive's SnapShot Average of $130
Allstate's Drivewise Average of 10-25%
State Farm's Drive Safe & Save Up to 15%
Esurance's DriveSense Varies
Nationwide's SmartRide Up to 40%
Liberty Mutual's RightTrack Average 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.


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Additional resources


If you’re looking for more information on car insurance, see our other articles here:





Method to Our Madness: how we do it


Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

Finally, some rate data may vary slightly throughout report based on rounding.


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