What Is a Safe Driver Discount?

Safe driver discounts reward drivers with a clean driving record and no claims with a lower insurance premium.
Written by Jessica Barrett
Edited by Kathleen Flear
Safe driving discounts can take many forms but generally reward you with a lower
car insurance
premium for having a clean driving record and no insurance claims.
  • Safe driver discounts reward you with discounted auto insurance rates for maintaining a clean driving record and not filing any claims.
  • Discounts vary depending on the provider, so ask about eligibility requirements when
    shopping for car insurance
  • Many companies automatically apply safe driver discounts to your insurance policy once you qualify.

Safe driver discounts can vary widely

Safe driver discounts take different forms depending on your insurance company. Some insurers even offer several types of safe driver discounts. Here are the most common:
  • Violation-free: Maintaining a record free of any tickets or other moving violations for three or more years can get you a violation-free discount.
  • Accident-free: Going three or more years without an accident will result in lower premiums. Some companies offer accident forgiveness for your first at-fault accident.
  • Good driver: Some companies lump everything together and discount rates for defensive drivers who don’t have any accidents, tickets, or other traffic violations on their record in the last 3-5 years.
  • Telematics: Signing up for your company’s usage-based insurance program often results in an immediate discount, plus the potential for greater discounts if you display good driving habits.

Most car insurance companies offer safe driver discounts

Here’s how some of the most popular insurance providers break down safe driver auto insurance discounts.
Savings for safe driving habits with
Progressive Snapshot
State Farm
Good driver + no accidents + telematics
No moving violations or accidents in the past 3 years
Further savings for maintaining an accident-free record
Savings for safe driving habits with
Drive Safe & Save
No accidents + telematics
Safe Driving bonus program reduces rate every 6 months without an accident
Savings for safe driving habits with
Good driver + telematics
No driving-related accidents, violations, or major comprehensive claims in the household
Savings for safe driving habits with IntelliDrive
No accidents + telematics
No accidents in the past 5 years
Savings for safe driving habits with
Liberty Mutual
No violations + no claims + telematics
No moving violations on your driving record
No claims on your driving history
Savings for safe driving with RightTrack

A safe driver discount can save you up to 30% or more

Your savings will vary depending on many factors, but generally speaking, a safe driver discount will save you between 20% and 30% on your car insurance rates.
  • Drivers who maintain a clean record typically see premiums up to 30% lower than those with violations
  • Some companies offer instant savings—often 5% to 10%—just for enrolling in a telematics program
  • In some cases, displaying poor driving habits tracked through the mobile app can cause your rates to increase—check with your insurance company to see if this is possible
  • Savings typically max out at 40%
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Policyholders who meet the state’s definition of a good driver are legally entitled to a 20% insurance discount. You must have:
  • Continuously held a license for 3 years
  • 1 or fewer points on your driving record
  • Not been to traffic school more than once
  • No at-fault accidents resulting in injury or death
  • No DUI-related convictions in the past 10 years
Safe driver discounts vary by company and many other factors. In general, being a safe driver can save you an average of 20% to 25% on your insurance premium.
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