The best car insurance companies for safe driver discounts
Each company structures its good driver discount differently. Some require you to participate in their tracking telematics programs, some offer an accident-free bonus, and some reward you for passing a defensive driving course—or one company might offer all of the above.
Here are the major car insurance companies that offer safe driver discounts:
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| | Accident-free: Not disclosed
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| Drive Safe & Save (telematics)
| 10% sign-up bonus; 30% avg. savings
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| | SmartRide: 10% sign-up bonus; 40% avg. savings Safe driver: Not disclosed
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| Defensive driving discount
| Defensive driving: Varies
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| IntelleDrive (telematics)
| IntelleDrive: 10% sign-up bonus; 30% avg. savings
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| | RightTrack: 10% sign-up bonus; 30% avg. savings Safe driver: Not disclosed
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| Kemper Co-Pilot (telematics) Defensive driving discount
| Kemper Co-Pilot: 10% sign-up bonus Defensive driving: Not disclosed
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| DynamicDrive (telematics)
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Keep in mind that if you qualify, your savings and program name may not appear on your insurance policy until your next renewal.
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5 ways to be a good driver and maintain your safe driver discount
To keep your safe driver discount, you need to maintain good driving habits—but that can be a challenge within itself. Here are some of the top tips to help you keep your safe driver discount:
Prepare—and stay aware: Figure out your route before you get behind the wheel. While you're driving, scan the road 12–15 seconds ahead of you so you'll be aware of upcoming hazards, and always check your mirrors.
Go the speed limit: Driving too fast can not only increase your chance of getting into an accident, but it also increases the risk that an accident will be very serious.
Brake early and gently: Not only is harsh braking tough on your vehicle, but it can catch other drivers off guard and increase your chances of an accident.
Don't check your phone: Distracted driving is a leading cause of accidents. Use your device's hands-free features or wait until you're safely parked before you use your phone.
Limit other distractions in your vehicle: Eating, playing with the radio, and talking to passengers can all distract you while you're driving, which could increase your chances of being in an accident.
More ways to save on car insurance
Always shop for car insurance—even if you have a policy in place
The most important thing you can do to save money is find the cheapest rate on the market. It’s free to compare car insurance quotes from other companies, and it’s fast with a tool like Jerry
. See which company offers the lowest rate for your desired coverage, check its customer reviews, and then tap to switch and save.
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars 4.7/5 app rating | Trusted by 5M+ drivers Take a look at other car insurance discounts
There are several other types of savings opportunities available outside of safe driver discounts. Here are some of the most common car insurance discounts
: Good student: If you’re a full-time student enrolled in high school or college and maintain a B average, you may be able to save on car insurance.
Multi-policy: Drivers who have homeowner and auto insurance with the same provider can often earn discounts by bundling their policies.
Multi-vehicle: Households with more than one vehicle can put them under the same policy and may earn a discount.
Paid-in-full: If you pay your premium in full at the start of your policy term, you will usually save a certain amount on your premiums.
Consider increasing your deductible amount
If you have full coverage car insurance, increasing your policy deductible
can lower your monthly auto insurance premium. Your car insurance policy won’t lose any coverage but your insurance costs will go down—except the out-of-pocket payment. FAQ
Are safe driver discounts only for drivers with spotless records?
Many drivers with imperfect records will qualify for telematics programs, which can earn discounts and rewards for safe driving. Nonmoving violations may not disqualify you from safe driving discounts, either.
Can I put my Drive Safe beacon in my glove box?
To work properly, your beacon must be attached securely to a surface that doesn’t move when you drive. Try the door or the glovebox for most accurate results (and rewards).
How do I increase my Drive Safe & Save discount?
Keep a steady speed to earn a good discount. It’s also effective to drive less, which Drive Safe & Save tends to reward.
What is a good Drive Safe & Save score?
The range is between 0-100%, and 100% is the best possible score. If your score is between 80 and 90%, you’re doing very well. Keep minimizing your phone usage and drive conservatively to maintain your top scores.
How do I get a 30% discount with RightTrack?
All you have to do is enroll, get the app, and then keep it while you drive for at least 90 days to get the discount on your car insurance premium. RightTrack is only available in these states: AL, AR, AZ, CO, DC, DE, IA, ID, IL, IN, KS, LA, ME, MN, MO, MS, NH, NM, OH, OK, OR, TN, UT, VA and WV.
How long does the RightTrack discount last?
The RightTrack discount can last as long as your auto insurance policy, or as long as you don’t do anything to lose it.
What other rewards can you get for safe driving?
In addition to lower insurance rates, you could also get rewards from Jerry’s DriveShield
app, such as points you can trade in for movie tickets and delivery. Some companies provide other unique incentives like priority service and perks like roadside assistance. What are the regulations and privacy concerns regarding telematics?
Telematics programs must adhere to state regulations about data collection and rate setting. Look for policies that require informed consent to use tracking, anonymizing your data, deleting your data after a time, and statistical support for any rate hike decisions.