How to Get a Non-Smoker and Non-Drinker Discount

You can save 3% on your auto insurance with a non-smoker and non-drinker discount. However, 21st Century is the only auto insurance company with a non-smoker and non-drinker discount, and it’s only available in Idaho. Smoking and drinking can lead to distracted driving and DUIs, causing your auto insurance rates to increase. Even if you can’t find auto insurance with a non-smoker and non-drinker discount, you can bundle other discounts to keep rates low.

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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 11, 2021

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Things to Remember

  • A non-smoker and non-drinker discount can save you 3% on auto insurance
  • Only 21st Century offers the discount and only in Idaho
  • Distracted driving and DUIs can cause your auto insurance rates to skyrocket

Car insurance discounts can really save you money. One discount you might not know about is a non-smoker and non-drinker discount.

Although you can save 3% on your auto insurance with a non-smoker and non-drinker discount, it’s only offered by 21st Century to drivers in Idaho.

While you can’t just buy auto insurance with a non-smoker and non-drinker discount, you can get great rates and a multitude of discounts no matter where you are. Shop around and compare quotes to see which company offers you the lowest rates and the most auto insurance discounts.

Even if you can’t get a non-smoker discount or a non-drinker discount, you can still find cheap auto insurance. Enter your ZIP code now to compare free quotes from auto insurance companies in your area.

Where can I get a non-smoker and non-drinker discount on auto insurance?

A non-smoker and non-drinker discount is just like it sounds. If you don’t smoke or drink, you can save money on your car insurance.

Drivers who drink and smoke are statistically more likely to cost the insurance company money, whether through tickets, accidents, or DUIs. Insurance companies offer this type of discount to reward safe drivers.

You can save 3% on your auto insurance rates with a non-smoker and non-drinker discount, but it’s hard to find.

The only top auto insurance company with a non-smoker and non-drinker discount is 21st Century, and you can only get the discount if you live in Idaho.

Read our 21st Century auto insurance review to learn more about the company.

It should be noted that some smaller car insurance companies may offer a non-smoker and non-drinker discount, but this will vary by insurance company and state insurance laws.

Although you can’t get auto insurance quotes with a non-smoker and non-drinker discount everywhere, you can save money by taking advantage of other discounts.

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How do smoking and drinking affect auto insurance rates?

It’s not surprising that your driving record is just one of the factors that affect auto insurance rates. Drivers with accidents, tickets, and DUIs will pay a much higher car insurance rate than drivers who have a clean record.

Smoking and drinking are risky behaviors even if you aren’t driving. But when you throw a car into the mix, you run a much higher risk of distracted driving or DUIs.

Smoking can be considered distracted driving by insurance companies like 21st Century. According to the CDC, around 2,800 people were killed from distracted driving in 2018, and DUIs kill another 29 people on average every day.

This table shows you just how much your driving record affects your auto insurance rates:

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
Allstate$3,819.90$4,987.68$4,483.51$6,260.73
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Farmers$3,460.60$4,518.73$4,079.01$4,718.75
GEICO$2,145.96$3,192.77$2,645.43$4,875.87
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
Nationwide$2,746.18$3,396.95$3,113.68$4,543.20
Progressive$3,393.09$4,777.04$4,002.28$3,969.65
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
Travelers$3,447.69$4,289.74$4,260.80$5,741.40
USAA$1,933.68$2,516.24$2,193.25$3,506.03
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While an accident can raise your rates by about $90 a month, a DUI can cost you around an extra $150 a month. This doesn’t include the fines, tickets, and court fees you will have to pay.

In addition to auto insurance, smoking and drinking cause numerous health concerns. Each year around 500,000 people die from smoking, and 95,000 people die from excessive drinking.

Not smoking and drinking will not only save you money on auto insurance, but it will also keep you healthier and safer.

What are more ways to save on auto insurance?

While a clean driving record will keep car insurance rates low, adding discounts can really increase those savings.

Most insurance companies offer a variety of discounts, so there’s something for everyone. Keep in mind that not all companies offer the same discounts or the same discount amounts, so shop around with multiple carriers before you buy.

This table shows you available auto insurance discounts from some of the best companies out there. If the amount of the discount is known, it is listed.

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/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device / AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging / StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership / GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer / New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless / Auto BillingxxxN/Ax$30x$233
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Chances are you qualify for more than one of these discounts. Bundle all of the discounts together and you are eligible to save even more.

In addition to discounts, drivers can save money by raising deductibles, lowering coverage, and removing extras like roadside assistance or rental car coverage.

Non-Smoker and Non-Drinker Discount: The Bottom Line

You can get a 3% non-smoker and non-drinker discount on car insurance but only from 21st Century and only in Idaho.

Even if you can’t find affordable auto insurance with a non-smoker and non-drinker discount, you can still save money by taking advantage of other car insurance discounts.

Shop around to see who can offer you the lowest rates with the best auto insurance discounts. Start here. Enter your ZIP code below to compare free auto insurance quotes from companies in your area today.

Free Auto Insurance Comparison

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

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