Best Auto Insurance Companies for Good Drivers (2021)

The best auto insurance companies for good drivers will vary by driver, but good drivers will find cheaper auto insurance rates and earn more discounts. Save up to 30% on your auto insurance rates with a good driver discount. Drivers with tickets, accidents, and DUIs will face much higher auto insurance rates in addition to fines. To find the best auto insurance companies for good drivers, take into consideration rates and discounts to get the best deal.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 31, 2021

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Things to Remember

  • Good drivers receive lower auto insurance rates than drivers with tickets, accidents, or DUIs on their driving record
  • Auto insurance companies offer lower rates to good drivers since the risk of an accident is lower
  • Car insurance discounts such as a good driver discount can save good drivers even more money

If you are a good driver, you can find some of the cheapest rates auto insurance rates out there. In fact, the best auto insurance companies out there offer you low rates and great discounts if you have a clean driving record.

However, rates vary from driver to driver and company to company, so finding the best auto insurance companies for good drivers may look different for everyone.

Shop around and compare rates and discounts to find the best coverage with the lowest rates for you.

Enter your ZIP code to compare free quotes from the best auto insurance companies for good drivers in your area.

What are the best auto insurance companies for good drivers?

Each auto insurance company will charge drivers different rates, but all of them want to know if you are a good driver.

There are many factors that affect auto insurance rates, but you’re driving record is the biggest one.

Drivers with accidents or tickets are much riskier to insure. This causes car insurance companies to charge those drivers higher rates.

You might be surprised to see just how much top auto insurance companies raise rates based on your driving record.

This table shows you the average annual auto insurance rates for drivers based on their driving record.

Average Annual Auto Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One DUI
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
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Drivers with a clean driving record pay considerably less than drivers with tickets, accidents, or DUIs. If you have multiple infractions, your auto insurance rates will skyrocket.

Some auto insurance companies have programs like accident forgiveness that will help drivers with their first claim. These programs are a great way to keep rates low but keep in mind they are only good once.

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What auto insurance discounts are available for good drivers?

Auto insurance companies want to encourage and reward drivers who are careful when they are behind the wheel. In addition to low rates, good drivers can take advantage of multiple car insurance discounts to save even more money.

Auto insurance companies offer a variety of discounts just for good drivers. This table shows you those discounts that target drivers with a clean driving history or safe drivers. If the amount of the discount is known, it’s listed.

Auto Insurance Discounts for Good Drivers by Company
CompanyClaim Free Discount Available (%)Defensive Driver Discount Available (%)Driving Device/App Discount Available (%)Good/Safe Driver Discount Available (%)
21st CenturyXXX20%
American FamilyXXXX
Ameriprise (Connect)XXN/AX
Country FinancialXXN/AX
Liberty MutualXX30%X
Safe AutoXXN/AX
State FarmX10-15%XX
The GeneralXXN/AX
The HanoverXXN/AN/A
The HartfordXXXX
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Each company will offer different auto insurance discount amounts. For example, you can save 22% with a GEICO good driver discount or up to 30% with a good driver discount from Travelers.

There are other hidden auto insurance discounts for good drivers as well.

In addition to good driver discounts, you can get a discount for participating in a telematics program. Your auto insurance company uses a device or app to monitor your driving and then issues you a discount based on how well you do.

Besides getting an additional auto insurance discount, the Insurance Information Institute reports that drivers who participate in a telematics program become even better drivers from the immediate feedback given.

However, there are differences between programs. Some companies offer you a discount for the life of your policy, while others require your driving to be monitored continually to keep the discount.

Some companies will also raise your rates if you are found to be driving poorly. Be sure to review the telematics program offered by your auto insurance company thoroughly before signing up.

Take advantage of all of the discounts you are offered by being a good driver. You can bundle these discounts to save even more money as a safe driver.

What other ways can drivers save money on auto insurance?

In addition to keeping a clean driving record and taking advantage of telematics programs, there are other ways drivers can save.

Car insurance companies offer more discounts than just for good driving. A multitude of discounts exists that have nothing to do with your driving.

This table shows you a list of auto insurance discounts from the top companies in the country. There are bound to be multiple discounts that can benefit every driver.

Auto Insurance Discounts By Company
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device / AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging / StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New Customer / New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingN/A$30$233
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Passive Restraint4020x40
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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Drivers can also raise deductibles and lower coverage amounts to save money on auto insurance. Beware because these moves might save you money, but you will be left paying more for damages in an accident.

The Best Auto Insurance Companies for Good Drivers: The Bottom Line

The best auto insurance companies for good drivers will vary depending on each individual driver. Take advantage of discounts aimed at good drivers to get even lower auto insurance rates.

Compare quotes from multiple companies to find the cheapest car insurance for good drivers. Take into account discounts, telematics programs, and accident forgiveness when deciding if a company is right for you.

Enter your ZIP code to compare rates from the best auto insurance companies for good drivers near you for free.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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