Best Auto Insurance for Good Drivers in 2025 (Top 10 Companies Ranked)

Amica Mutual, Progressive, and Geico have the best auto insurance for good drivers because they offer generous good driver car insurance discounts and solid UBI programs.

While several companies offer great auto insurance discounts for good drivers, Amica takes our top spot for its excellent customer service, coverage options, and dividend payouts.

Our Top 10 Picks: Best Auto Insurance for Good Drivers

Explore your options for the best auto insurance for good drivers below. Then, compare rates to find the cheapest coverage by entering your ZIP code into our free comparison tool above.

#1 – Amica Mutual: Top Overall Pick

Pros

• Safe Driver Discounts: Among its many discounts, Amica Mutual offers savings of up to 25% for safe drivers. Learn more about your discount options in our review of Amica auto insurance.
• Competitive Rates: While it’s not usually the cheapest option, Amica Mutual still offers affordable car insurance rates.
• Dividend Payouts: As a mutual company, Amica offers dividend payouts to eligible policyholders when it does financially well.

Cons

• Higher Rates for Bad Credit: Although Amica Mutual’s rates are usually competitive, you’ll probably find lower prices at another company if your credit score is low.
• Limited Availability: Residents of Hawaii will need to look elsewhere for insurance because Amica Mutual doesn’t sell there. You’ll also need to check with a representative.

#2 – Progressive: Best for Usage-Based Insurance Savings

Pros

• Name Your Price tool: The Name Your Price tool allows you to enter your monthly budget and see what type of coverage Progressive offers.
• Snapshot: Snapshot is Progressive’s usage-based insurance program that monitors your driving behaviors. Snapshot is a great option for safe drivers looking for cheap usage-based auto insurance.
• Ample Discounts: Progressive offers a variety of discounts to help you save. Aside from a safe driver auto insurance discount, Progressive offers savings for good students and pays for your policy in full.

Cons

• Rates Increase Unexpectedly: Many customers report that their rates increased after their first policy period, even if they had no accidents or speeding tickets.
• Low Customer Loyalty: Progressive struggles to maintain customer loyalty despite being affordable. Our Progressive auto insurance review goes over the company’s efforts to improve its customer loyalty.

#3 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Geico is often one of the cheapest car insurance companies, no matter where you live. Learn how Geico keeps its rates low in our Geico auto insurance review.
• Convenient Online Tools: If you’re looking for a digital insurance experience, Geico might be your best choice. Geico offers some of the best auto insurance for safe drivers by providing robust digital tools.
• Excellent Discounts: It’s easy to save with Geico’s discount options. From defensive driving discounts to savings for remaining claims free, there are plenty of ways for safe drivers to save.

Cons

• Billing Issues: Most customers are satisfied with their Geico policies, but some report issues with the billing department.
• Discount Availability Varies: While Geico offers plenty of discounts, you’ll have to check what’s available in your state.

#4 – State Farm: Best Safe Driver Discount

Pros

• Safe Driver Discount: Most companies offer a discount for being a safe driver, but State Farm offers one of the largest. Save up to 30% by remaining accident and traffic-violation-free.
• Drive Safe and Save Program: State Farm offers some of the best auto insurance for new drivers with the Drive Safe and Save UBI program.
• Extensive Network of Agents: State Farm focuses on selling insurance through local agents, so it’s easy to find help when you need it.

Cons

• Rates Can Be High: State Farm shines as an option for good driver auto insurance, but rates are not always the cheapest option.
• Claims Processing Can Be Slow: Some State Farm customers report that the claims process is occasionally slow.

#5 – Farmers: Best Discount Availability

Pros

• Huge Selection of Discounts: Farmers offers a whopping 23 ways to save, including auto insurance discounts for good drivers. Read our review of Farmers auto insurance to see more discount opportunities.
• Signal App: Save up to 30% on your policy by signing up and downloading Farmers’ Signal app. The Signal app tracks your driving habits, including hard braking and speeding.
• Strong Financial Stability: Farmers has a rating of A from A.M. Best, which means you won’t have to worry about your claims going unpaid.

Cons

• Average Claims Satisfaction: Although it generally gets good reviews, Farmers has average claims satisfaction ratings.
• Lacks Online Options: Farmers Insurance lacks some of the online options for managing your policy compared with some of its competitors.

#6 – Nationwide: Best for Deductible Savings

Pros

• SmartRide: Nationwide offers savings of up to 40% to safe drivers who sign up for the SmartRide program. See if SmartRide is the right UBI program for you in our Nationwide auto insurance review.
• Vanishing Deductible Program: The Vanishing Deductible program is an excellent option for the best auto insurance for low-risk drivers. You’ll save $100 on your deductible every year you don’t file a claim, up to $500.
• Wide Range of Coverage Options: Nationwide offers a variety of coverage options so you can customize your policy. Popular options include roadside assistance, gap, and rideshare insurance.

Cons

• Limited Local Agents: Finding an agent can be difficult in certain areas, meaning it can be a challenge to find face-to-face help.
• Average Rates: Nationwide is usually affordable, but you’ll see much higher rates if you have a DUI. However, Nationwide is one of the best auto insurance companies for women and men with clean driving records.

#7 – Allstate: Best Safe Driver Cash Rewards

Pros

• Drivewise and Milewise: Save up to 40% with Allstate’s UBI program, Drivewise. Allstate also offers some of the best auto insurance for low-mileage drivers with its program, Milewise.
• Safe Driver Bonus Program: Allstate is one of the few auto insurance companies that offer cash back to safe drivers through its Safe Driver Bonus program.
• Full Coverage Options: Allstate offers a variety of customization options aside from basic coverage. Explore your coverage options in our review of Allstate auto insurance.

Cons

• Higher Rates: Unfortunately, Allstate is not one of the cheapest auto insurance companies. It tends to be one of the most expensive options, no matter which state you live in.
• Limited Online Options: Despite being one of the largest insurance providers in the country, you’ll have to speak with an agent to purchase an Allstate policy.

#8 – USAA: Best for Military Families

Pros

• Military-Specific Discounts and Programs: USAA offers special incentives and insurance options for military members and their families.
• Safe Driver Savings: From defensive driving insurance discounts to savings for safe drivers, USAA has plenty of ways to save on your coverage.
• Affordable Rates: No matter where you live, USAA almost always has the cheapest insurance for good drivers. See how USAA keeps its rates so low in our USAA auto insurance review.

Cons

• Membership Requirements: Not everyone can purchase coverage from USAA. Only active or retired military members and their families are eligible for coverage.
• No Gap Insurance: USAA offers a variety of coverage options, but it does not currently sell gap insurance.

#9 – Erie Insurance: Best for Personalized Service

Pros

• Low Rates: Erie offers affordable auto insurance, particularly for young drivers.
• Excellent Customer Service: Part of the reason Erie offers such excellent good driver car insurance is by maintaining excellent customer service ratings.
• Generous Discounts: While it doesn’t have as many as other providers, Erie has a solid list of discounts to help drivers save.

Cons

• Limited Availability: Erie Insurance only sells car insurance in 12 states. See if you can purchase a policy in your state in our Erie auto insurance review.
• Few Online Tools: Erie offers a more traditional insurance experience by relying on local agents instead of digital tools.

#10 – The Hartford: Best Coverage for Older Drivers

Pros

• Solid Discounts: Wondering how to get a defensive driver discount? The Hartford offers plenty of savings for safe drivers.
• Specialized Coverage for Older Drivers: The Hartford sells insurance for everyone, but it specializes in coverage for older drivers. Learn how The Hartford and AARP work together in our The Hartford auto insurance review.
• Excellent Customer Service: The Hartford has a reputation for excellence in customer service.

Cons

• Higher Rates Than Some Competitors: While it’s not the most expensive car insurance option, The Hartford typically isn’t the cheapest either.
• Average Claims Satisfaction: When it comes to the claims resolution process, The Hartford only has average satisfaction ratings.

Impact of Driving Record on Auto Insurance Rates

There are several factors that affect auto insurance rates, but one of the most important is your driving record. Having an at-fault accident on your record can increase your rates dramatically, as seen in the table below.

Auto Insurance Monthly Rates by Age, Gender & Driving Record

As you can see, rates change significantly after an accident or traffic violation. Understanding your claims history can help you find the most affordable coverage, which you can do by learning how to check your auto insurance claims history.

Your driving record is another reason why it’s vital to compare quotes with multiple companies. Insurance companies use different formulas when deciding how much to charge for coverage.

Although they all tend to look at the same factors, companies place a different emphasis on each factor. Comparing quotes from different companies is the only way to ensure you’re getting the lowest rates for your unique circumstances.

Additionally, Having a clean driving record can help lower your auto insurance rates. According to the Compliant Driver’s Program Insurance reviews and complaints, you might get discounts for being a safe driver.

Many people find that insurance for Compliant Drivers Programs offers affordable rates, and they get the best car insurance with Compliant Driver’s Program deals.

How Your Driving Record Impacts Your Auto Insurance Premiums

Your driving record plays a big role in how much you pay for auto insurance. Companies like Safe Auto and Amica look at your history to determine your rates. If you have a clean driving record, you may pay less. Some insurance providers offer discounts through programs like Good Driver Mutuality for safe drivers.

However, if you’ve had accidents or violations, you might be considered a rated driver for auto insurance, which could increase your rates. If you’re a safe driver, you might qualify for the best-rated car insurance, which offers better coverage at lower prices.

On the other hand, if you’re looking for the best auto insurance for bad drivers, your premiums will likely be higher. Programs like Compliant Driver’s Program insurance in Florida can help reduce rates for safe drivers, and some companies offer car insurance without checking driving records, but these options may come with fewer benefits.

Read more: Best Auto Insurance Discounts for Good Drivers

What Makes Auto Insurance “Good Driver-Friendly”

Auto insurance is “good driver-friendly” when it offers discounts and better coverage for safe drivers. Companies that provide the best car insurance usually lower your rates if you have a clean driving record.

Programs like the Compliant Driver’s Program insurance in Texas reward drivers who follow traffic rules with better rates. Some auto insurance providers that don’t check driving records allow drivers with less-than-perfect histories to still get coverage. If you’re a responsible driver, you can find the best car insurance for good drivers, which offers lower premiums and extra perks.

The Compliant Driver’s Program car insurance cost tends to be cheaper for those who have a good driving record. Insurance coverage with a Compliant Driver’s Program often includes comprehensive and collision coverage at affordable rates.

You can also look at a list of Compliant Driver’s Program car insurance to compare different options. Ultimately, the goal is to find the best vehicle insurance that rewards safe driving.

Read more: 10 Best Auto Insurance Companies for High-Risk Drivers

Factors That Affect Insurance Rates for Good Drivers

Good drivers can sometimes pay less for car insurance. However, several things affect how much you pay for your policy. Knowing these factors will help you find better deals and the right coverage.

Here are the main things that affect car insurance rates for good drivers:

• Type of Insurance Program: Car insurance with a Compliant Driver’s Program gives discounts for safe driving, which can lower your insurance costs.
• Choosing the Right Program: A list of insurance with a Compliant Driver’s Program helps you compare different options and find the best choice for safe drivers.
• Reputation of the Insurance Provider: If you choose a good company like Progressive Insurance, you’ll likely get better rates and discounts for safe driving.
• Discounts for Clean Driving Records: If your driving record is clean, you can get lower rates through the Compliant Drivers’ Program.
• Reviews From Safe Drivers: Checking safe driver reviews can help you find the cheapest auto insurance for good drivers.

By considering these factors, you can find the best insurance that rewards your good driving and helps lower your premiums.

Read more: High-Risk Auto Insurance

Other Tips to Save on Auto Insurance for Good Drivers

Discounts are a great place to start for safe drivers to save on their insurance, but it’s not the only opportunity you have. You can also sign up for a usage-based insurance (UBI) program.

Top Company UBI Discounts for Good Drivers

UBI programs use a tracking device to monitor your driving habits, like speeding, hard braking, and the time of day you drive. The better your drive, the more you typically save. For example, you can save up to 40% with Allstate’s Drivewise. You can learn more about how to save with Allstate’s UBI program in our Allstate Drivewise review.

However, UBI programs vary by company. Check below to see the maximum UBI discount offered by some of the top insurance companies.

Signing up for a UBI program is a great way to save on your insurance, but you should make sure it’s the right fit before you enroll. You’ll only earn a discount by practicing safe driving habits, and in some cases, you can see your rates increase if you’re not safe enough.

Effective Ways to Lower Auto Insurance Rates After a Claim

While it’s always helpful to know what a good auto insurance score is or tricks to keep your rates down, there are a few foolproof ways to lower your coverage prices after filing a claim. If you need to lower your rates, try the following:

• Lower Your Coverage: While it’ll leave your vehicle at risk, you can lower your coverage to lower your rates.
• Increase Your Deductible: Your deductible is the portion you pay when you file a claim. If you choose a larger deductible, your monthly rates will be lower.
• Find Other Discounts: Safe driver discounts aren’t the only way to save. Most companies offer savings for a variety of reasons.
• Compare Rates: One of the easiest ways to save is to compare rates with as many companies as possible.

Comparing quotes is essential to finding affordable rates:

Auto Insurance Monthly Rates for Good Drivers by Provider & Coverage Level

Of course, keeping your driving record clean is another simple way to keep your rates low. See how auto insurance companies check driving records here to learn how it might impact your rates.

List of Safe Driver Auto Insurance Discounts

When you’re trying to figure out how to get a good driver auto insurance discount, you might be surprised by your options. Most companies offer more than just a safe driver discount – check below to explore your options.

Usage-Based Auto Insurance Discounts by Provider

Although there are a ton of options for safe drivers, not every discount will be available at every company. Make sure to check with a representative or read the company reviews above to see which discounts are available.

Moreover, Safe driver auto insurance discounts can help you save money. If you’re interested in these discounts, you can look up the best Compliant Driver’s Program insurance reviews, which show programs that reward safe driving.

Auto insurance for the Compliant Driver’s Program offers discounts for drivers who follow the rules, making it a great option. The Compliant Driver’s Program insurance cost may vary, but it’s generally affordable for those with a clean driving record. For new drivers, the best insurance options can help lower rates.

Safe drivers can get discounts, and Good Driver Mutuality reviews highlight companies with even better rates. Programs like the Compliant Driver’s Program also offer cheap insurance for good drivers and lower insurance rates for new drivers.

Saving on Car Insurance for Good Drivers With the Right Programs

If you have a clean driving record, you can save a lot on car insurance with a good driver discount by picking the right company. Amica Mutual, Progressive, and Geico are great choices, offering big discounts and solid coverage for those who qualify for the said discount.

Many safe drivers look into insurance for compliant drivers to find better rates. You may also check Compliant Driver’s Program insurance reviews to see if a program fits your needs. If you’re wondering, “Is the Compliant Driver’s Program insurance legitimate?” checking Reddit discussions about Compliant Drivers Program Insurance can help.

The best Compliant Driver’s Program insurance rewards those with safe driving habits, lowering costs. Compare rates to see which company gives you the best deal.

If you maintain a good record, discounts will add up, making good driver insurance an easy way to save. Always compare quotes to make sure you get the best price for your coverage.

Read More: Cheap Auto Insurance for a Bad Driving Record

However, you should always compare rates with as many companies as possible. Enter your ZIP code below into our free comparison tool to see what you might pay in your area.