Best Car Insurance for Good Drivers (2026)
Drivers with clean records can save an average of 10%–40% with good driver discounts from GEICO, Nationwide, State Farm, USAA, and other major insurers.
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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John LeachLicensed P&C Agent, Chief Copy Editor
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John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Table of contents
If you have a clean driving record, you’re in a great spot to save on car insurance. Your safe driving will qualify you for lower rates than high-risk drivers pay.[1] And many companies offer good driver discounts that can cut your premiums even more.
You can save further by combining discounts with telematics programs, bundling policies, and other offers. This guide explains the best car insurance options for good drivers, what makes you eligible, how much you can save, and how to get the most out of your good driving rewards.
Quick Facts
Certain insurers offer stand-alone safe driver discounts of up to 30% for accident-free policyholders.
Drivers with clean records pay hundreds less per year than drivers with tickets or at-fault accidents.
Telematics programs can pile additional savings on top of a good driver discount.
Cheapest car insurance for good drivers
The rates shown below are average monthly quotes for full coverage, including collision and comprehensive insurance, for safe drivers with clean records and average or better credit. Good driver discounts and other savings can further lower these rates.
In our sample, Country Financial offers the lowest full-coverage price for good drivers.
The below national rates are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $88 |
| Country Financial | $90 |
| NJM | $97 |
| USAA | $104 |
| State Farm | $109 |
| Erie | $126 |
| Mile Auto | $131 |
| Safeco | $137 |
| Allstate | $149 |
| GEICO | $149 |
| Progressive | $155 |
| Root | $157 |
| American Family | $160 |
| Mercury | $165 |
| Direct Auto | $166 |
| Elephant | $173 |
| National General | $173 |
| Commonwealth Casualty | $179 |
| Nationwide | $189 |
| Travelers | $194 |
| AssuranceAmerica | $206 |
| Plymouth Rock | $207 |
| Bristol West | $207 |
| CSAA | $208 |
| Liberty Mutual | $209 |
| The General | $212 |
| GAINSCO | $214 |
| Clearcover | $215 |
| Farmers | $216 |
| Anchor | $219 |
| Chubb | $224 |
| Dairyland | $234 |
| Shelter | $241 |
| The Hartford | $253 |
| 21st Century | $254 |
| State Auto | $290 |
| Amica | $449 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How much does car insurance cost for good drivers?
People with a clean driving record consistently pay less for car insurance than drivers with incidents. On average, good drivers save 20% to 35% compared to drivers with recent violations.
Even a single speeding ticket can raise your rates, and a driving under the influence (DUI) conviction or having to file an SR-22 certificate can further increase costs. Drivers with clean records pay less each month for both liability and full coverage — especially if they qualify for good driver discounts.
The following table compares the average cost of car insurance for clean drivers versus people with incidents on their driving records.
Driving Record | Average Liability-Only Quote | Average Full-Coverage Quote | % Difference vs. Clean Driving Record |
|---|---|---|---|
| Clean driving record | $99 | $174 | N/A |
| Has incident | $120 | $210 | +21% |
| Has speeding ticket | $128 | $225 | +29% |
| Has at-fault accident | $132 | $232 | +33% |
| Has DUI/DWI | $146 | $257 | +48% |
| Has SR-22 | $124 | $218 | +25% |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Cheap Car Insurance for Good Drivers
Rates start as low as $88/mo. for full coverage
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How credit affects insurance rates for good drivers
Insurance companies use credit-based insurance scores to predict how likely you may be to file a claim. Insurers use these scores to evaluate risk and charge policyholders rates that closely align with that risk.[2]
Even if you drive safely, poor credit can make your car insurance more expensive. A good driver with low credit may pay more than someone with good credit but a less-than-perfect driving record.
The cheapest car insurance rates go to drivers with both a clean record and strong credit. Improving your credit and staying accident-free are two of the most effective ways to lower your car insurance costs over time.[2]
Best car insurance companies for good drivers
Here’s a closer look at some of Insurify’s top picks for insurers that reward good drivers. We looked at rates, discounts, financial strength, and customer satisfaction to find the best car insurance for good drivers.
Auto-Owners: Best for cheap rates
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
4.3
Best choiceBased on 331 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 150 Auto-Owners reviews
James
Verified Review
Does not take care of business. People they send for damage repair are way off base on their pricing
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Twitty
Verified Review
Good company, just the rates are too expensive
Reviewed in Florida on April 4, 2026
Uneventful.
Darryl
Verified Review
Insurance Shopping
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has been around for more than a century and offers a wide range of discounts and some of the most affordable rates — especially for good drivers. The company has great scores from third-party reviewers, like the National Association of Insurance Commissioners (NAIC), J.D. Power, and AM Best. It doesn’t offer as many discounts as its competitors, but you can save by bundling, making on-time payments, or having certain safety features, like airbags.
Pros
Lower rates than the national average
Offers gap coverage
Multiple types of policies
Cons
Available in only 26 states
Negative customer reviews
Available only through independent insurance agents
Travelers: Best for telematics
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $194/mo |
4.6
Best choiceBased on 1,407 verified driver reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Based on analysis of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Based on analysis of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Showing recent national reviews - See all 589 Travelers reviews
Monica
Verified Review
Expensive Travelers
Reviewed in Arizona on April 22, 2026
I'm with Travelers and they are just too expensive for the coverage.
Susan
Verified Review
Find another insurance company
Reviewed in Oklahoma on April 22, 2026
My tip would be to find a different car insurance company. Travelers is not that great for what I am paying. The app only shows I have one policy, but I have two cars insured. I have tried to fix that, but it still says one car. I need my ID cards mailed to me, but that never happens. So I called, and they said they would mail them, and I should receive them in 7 to 10 days. They never arrived, so I called back and still have not received them.
Jack
Verified Review
Excellent but expensive.
Reviewed in Florida on April 21, 2026
The company is excellent in most ways. Unfortunately, the premiums are exorbitant.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers is available in most of the U.S. and offers drivers many ways to save, particularly for good driving. Travelers Intellidrive, an optional telematics program that records driving habits, can help you save up to 30%. Plus, you can get discounts for driver training, safe driving, bundling policies, early quotes, homeownership, being a good student, and more.
Pros
Lots of discounts for safe driving
Scores well for financial strength with AM Best
Offers many types of insurance products
Cons
High number of complaints
Below-average J.D. Power claim satisfaction rating
Telematics program not available in all states
State Farm: Best for customer satisfaction
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
4.0
Best choiceBased on 17,303 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing recent national reviews - See all 7,420 State Farm reviews
Candice
Verified Review
Bad Communication, No Real Care for the Customer
Reviewed in South Carolina on April 22, 2026
Horrible experience with claims. Every step was delayed by 2 to 3 days. They allowed my vehicle to stay at a tow yard until the very last day that storage fees would be covered, and the only reason I was able to catch it was because I called them myself. My claims representative told me it would only take two to three days for her to get back to me, but it actually took her a little over a week, and I had to call her myself to hear anything. My claims representative also didn’t send me everything I needed to receive my settlement and never tried to follow up with me. I had to call her, and then she tried to make it seem like I never sent it on my end when it was actually her fault. I’m very frustrated and disappointed with this whole experience. I understand there can be delays in the process, but please don’t tell me something’s going to be done by a certain time if you already know there’s going to be a delay. As soon as this claim is processed, I will be getting new car insurance.
Isaac
Verified Review
Cost
Reviewed in Georgia on April 22, 2026
Get the best price you can.
Jacqueline
Verified Review
Unhappy Customer
Reviewed in New York on April 22, 2026
Unfortunately, State Farm raised my monthly premium twice with no real explanation.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest auto and home insurance company in the U.S. by market share, and it consistently scores high for customer and claims satisfaction with J.D. Power. State Farm has competitive rates and many types of discounts for good drivers, including its Drive Safe & Save program and Steer Clear (for drivers younger than 25), which can help you save up to 30% on your premiums.
Pros
Long-standing history in auto insurance
Competitive rates
Widely available (all states except Massachusetts and Rhode Island)
Cons
Low customer satisfaction ratings
No gap insurance
Not as many discounts as competitors
GEICO: Best for discounts
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
3.9
A solid optionBased on 17,544 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Showing recent national reviews - See all 7,639 GEICO reviews
Herbert
Verified Review
I'm just saying
Reviewed in Maryland on April 22, 2026
No issues other than I feel I'm being overcharged. I think every year without a claim or violation should be rewarded with a discount on the premium.
Harendra
Verified Review
Auto Insurance Review
Reviewed in Virginia on April 22, 2026
The price is high, and the service is not very good.
Brenda
Verified Review
I will never say a good word or use Homesite or Geico again
Reviewed in Massachusetts on April 22, 2026
Horrible customer service and no resolution to them understanding my checking account was hacked and they didn't receive the automatic payment where all my accounts were affected and had to change my billing information. Called a few times and got all kinds of conflicting bills. The girl who first helped me was very nice and told me she was reluctant to take a payment over the phone from me. She reported, "I'm afraid that they won't get it right!" This company disrespected my words and chose not to try and understand the truth. I would like to know a supervisor I could talk to even though I will never use them again. They charge three times as much as other agencies, no thanks.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers more discounts than some of its competitors, including a good driver discount that can help safe drivers save up to 22% when they go five years without an accident. The company also offers discounts that reward loyalty, safety features, and affiliations, like 12% off for federal employees and 15% off for military members. GEICO usually completes the claim process in just 48 hours, making it one of the fastest turnaround times in the industry.
Pros
Fast claim processing
Numerous discounts
24/7 customer service
Cons
Rideshare and gap insurance not available
Doesn’t offer life insurance bundling
Limited agent network
Nationwide: Best for credibility
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $189/mo |
4.2
Best choiceBased on 970 verified driver reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Showing recent national reviews - See all 516 Nationwide reviews
William
Verified Review
Excellent
Reviewed in Pennsylvania on April 19, 2026
Too expensive and they farm you out to other insurance companies.
Brian
Verified Review
Not happy anymore with this company
Reviewed in Pennsylvania on March 28, 2026
The rates are not that good; they go up every other month with no notification. When you call about it, they say, "It is what it is." With auto-pay, we set the date, but they may take it a week early or a week later, but it's normally earlier than the date we set. This really sucks since I have had insurance through them since I was 17 years old, and I am now 61. Their rates keep going up with no notification.
Cassidy
Verified Review
Don't use this company
Reviewed in Nevada on March 26, 2026
My car is 6 years old. I have no claims and no tickets, and my insurance has increased 200% in the past 6 years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide has been around for almost a century and is one of the largest insurance companies by market share. The company offers many types of discounts for good drivers, including its SmartRide program, defensive driving discount, accident forgiveness, and vanishing deductible.
Pros
Credible name in the industry
Many available discounts
Wide range of optional coverages
Cons
Customer reviews could be better
Not available in every state
Some features and discounts not available in certain states
Good driver insurance discounts by company
Most insurance companies offer good driver or safe driver car insurance discounts, but eligibility requirements and savings vary by company. Some insurers require you to go three years without an accident, while others look at your driving habits through telematics.
Since every company has its own definition of a “good driver,” it’s smart to compare quotes to find the best deal. You can also combine these discounts with other car insurance savings.[3]
Insurance Company | Discount Name | Savings Amount | Eligibility Period | Telematics Required? |
|---|---|---|---|---|
| Farmers | Safe driver | Unspecified | Three years without an accident | With Signal by Farmers app |
| GEICO | DriveEasy | Up to 22% | One year without an accident | Yes |
| Progressive | Snapshot | $260 per year, on average | N/A | Yes |
| Liberty Mutual | RightTrack | Up to 30% | N/A | Yes |
| State Farm | Drive Safe & Save | Up to 30% | Three years without an accident or moving violation | Yes |
| Travelers | Safe Driver Discount | 9%-18% | Three to five years without an accident | With IntelliDrive |
| USAA | USAA SafePilot | 10%-30% | No | Yes |
Does accident forgiveness protect your good driver discount?
Accident forgiveness can prevent your premium from increasing after your first at-fault accident, but it doesn’t always preserve your good driver discount. Some insurers still remove safe driver savings after a claim.
If you’re in this situation, ask your insurer how forgiveness affects eligibility, and compare quotes. Another insurer may price your policy more favorably after one incident.
What qualifies you as a good driver?
A “good driver” is usually someone with no at-fault accidents, no moving violations such as speeding tickets, and no DUI or DWI convictions in the last three to five years. Some insurers also check your claims history and how often you have minor incidents. Others reward steady, safe driving tracked by telematics programs that measure things like speed, braking, and mileage.
Eligibility varies by insurance company, so one insurer may consider you accident-free after three years, while another requires five.
California car insurance is unique in that state law requires a good driver discount for qualifying drivers, which affects pricing statewide.[4]
How to maximize your good driver savings
Most insurers offer a variety of ways to save money on your auto insurance premiums, and combining different programs can earn you significant savings.
Enroll in a telematics or usage-based program
Telematics programs track safe driving and mileage through a mobile app or device. Programs like Progressive Snapshot, Nationwide SmartRide/SmartMiles, and Allstate Drivewise reward cautious driving habits with lower insurance costs. For low-mileage, safe drivers, pay-per-mile and usage-based plans can greatly reduce premiums.
Take a defensive driving course
Many insurance companies give discounts of 5% to 10% if you finish an approved defensive driving course. These courses usually cost $20 to $50, take a few hours to complete online, and are valid for two to three years. Eligibility can depend on your age or recent violations, but even safe drivers can get ongoing discounts and brush up on their driving skills.[5]
Bundle policies and stack discounts
Bundling auto insurance with renters, homeowners, or umbrella coverage can unlock multi-policy savings. Good drivers can also stack safe driver discounts with low-mileage, multi-car, paperless-billing, and anti-theft discounts.
Review all available car insurance discounts annually to ensure you’re not leaving savings on the table.
Compare quotes from multiple companies
Even if you have a clean record, insurance prices can be very different from one company to another. Compare car insurance quotes from at least three to five companies to help you find the best deal for good drivers in your state.
Each insurer looks at your driving record, credit, location, and car risk in its own way, so the cheapest choice now might not be the cheapest next year.
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Good driver insurance rates by state
Good driver insurance rates vary by state because of different minimum coverage requirements, population density, accident frequency, and vehicle vandalism and theft rates. In California, insurers must offer a good driver discount by law, but in other states, companies set their own discount rules.
Here’s how much full-coverage car insurance costs for good drivers in every state and Washington, D.C.
The below national rates are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT.
State | Average Monthly Quote: Full Coverage |
|---|---|
| New Hampshire | $82 |
| Wyoming | $91 |
| Alaska | $105 |
| Idaho | $109 |
| Iowa | $111 |
| North Dakota | $114 |
| North Carolina | $115 |
| Ohio | $117 |
| Hawaii | $119 |
| Wisconsin | $124 |
| Indiana | $128 |
| Tennessee | $131 |
| Nebraska | $133 |
| Montana | $138 |
| New Mexico | $139 |
| Maine | $140 |
| Alabama | $141 |
| Massachusetts | $144 |
| Utah | $147 |
| West Virginia | $147 |
| Vermont | $151 |
| South Dakota | $152 |
| Kansas | $152 |
| Arkansas | $155 |
| Illinois | $158 |
| Pennsylvania | $159 |
| Oregon | $159 |
| Arizona | $161 |
| Oklahoma | $172 |
| Missouri | $179 |
| Mississippi | $179 |
| Washington | $181 |
| Minnesota | $184 |
| Kentucky | $188 |
| California | $197 |
| Virginia | $199 |
| Texas | $207 |
| Louisiana | $209 |
| Connecticut | $210 |
| Colorado | $219 |
| Michigan | $226 |
| Florida | $231 |
| Nevada | $248 |
| Delaware | $252 |
| South Carolina | $254 |
| New Jersey | $257 |
| Georgia | $261 |
| New York | $264 |
| Washington D.C. | $298 |
| Maryland | $299 |
| Rhode Island | $303 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Good driver car insurance FAQs
Here are some quick answers to common questions about good driver insurance, who qualifies, and how much safe drivers can save with a clean record.
How much can a good driver discount save you?
A good driver discount can lower your car insurance premiums by 10%–40%. The exact amount depends on the company’s rules, who qualifies, and if you combine discounts with telematics or bundling.
What is the cheapest car insurance for drivers with a clean record?
Liability-only car insurance is generally the cheapest type of policy. Country Financial, Auto-Owners, and USAA have the cheapest car insurance rates, according to Insurify data.
But the cheapest car insurance for good drivers depends on your state and personal details. Regional insurance companies and usage-based plans often offer lower prices than big national companies for drivers with clean records.
When do you qualify again for a good driving discount after a ticket or accident?
Most insurance companies require three to five years without incidents to regain good driver status, but the exact time frame depends on the company and your state.
How long do you need a clean record to qualify for a safe driver discount?
You usually need three to five years of incident-free driving to qualify, and the rules are stricter if you have a major violation, like a DUI.
Can a single ticket disqualify you from a good-driver discount?
Yes. One speeding ticket can temporarily make you ineligible, but minor violations usually disappear from your record after about three years.
Does accident forgiveness protect your good driver discount?
Not always. Accident forgiveness might stop your rates from going up, but you could still lose your safe driver discount, depending on the company’s rules.
Is a good driver discount the same as a safe driver discount?
Typically, yes. Good driver insurance and safe driver discounts usually mean the same thing. They both reward you for keeping a clean driving record.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
- Insurance Information Institute. "Good Driver Discounts."
- California Senate. "Proposition 103: What is it and why do we care?."
- AAA Foundation. "Good Driver Discounts."
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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