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.

Company	Discount(s)	Description
Progressive	Telematics	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
Allstate	No accidents + telematics	Safe Driving bonus program reduces rate every 6 months without an accident Savings for safe driving habits with Drivewise
Travelers	Good driver + telematics	No driving-related accidents, violations, or major comprehensive claims in the household Savings for safe driving habits with IntelliDrive
GEICO	No accidents + telematics	No accidents in the past 5 years Savings for safe driving habits with DriveEasy
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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FAQs

How do you get a California good driver discount?

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

How much is the safe driver discount?

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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