Non-Smoker and Non-Drinker Discount: How Much Can You Save?

Of the national auto insurance providers, only 21st Century offers a non-smoker and non-drinker discount. In fact, you can only buy non-smoker and non-drinker discount auto insurance from 21st Century if you live in Idaho. Idaho residents can expect their non-smoker and non-drinker discount auto insurance rates to be 3% cheaper than average. Local agencies in your region may also offer this savings opportunity to drivers.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 20, 2021

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Can't-Miss Facts

  • Of the major auto insurance providers, only 21st Century offers non-smoker and non-drinker discounts
  • This discount is only available to Idaho residents
  • Local agencies in your area might also provide this savings opportunity to drivers

Of the national providers, only 21st Century auto insurance company offers a non-smoker and non-drinker discount.

Keep reading to learn how to buy non-smoker and non-drinker discount auto insurance and find out how much you can save.

After learning about non-smoker and non-drinker discount auto insurance rates, remember to enter your ZIP code into our free tool above to receive quotes from the best companies near you.

What companies offer a non-smoker and non-drinker auto insurance discount?

If you live a substance-free life, you might be eligible for a discount on your auto insurance.

Currently, there’s only one major non-smoker and non-drinker discount auto insurance company: 21st Century.

So while there’s no State Farm or Progressive non-drinker discount, there may be local companies in your area that also offer a substance-free rate reduction to drivers.

On average, customers save about 3% on their annual rates with this discount.

Unfortunately, only Idaho auto insurance policies can qualify for this savings opportunity.

No matter what state you live in, you can secure the cheapest possible auto insurance prices by comparing quotes from multiple companies online.

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What is a non-smoker and non-drinker auto insurance discount?

The non-smoker and non-drinker discounts from 21st Century provide drivers in Idaho with a 3% rate reduction for making responsible choices that directly minimize their accident risk on the roads.

Why do only Idaho drivers qualify for these savings? Auto insurance laws and regulations vary from state to state, so discount availability varies by region.

Statistically, substance use causes thousands of accidents on the roads each year. According to the National Highway Traffic Safety Administration (NHTSA), 28 people are killed daily in preventable drunk-driving accidents.

Getting just one DUI increases your auto insurance costs by nearly 20%. In addition, a second infraction can lead to your insurance provider dropping your coverage in some states.

Tobacco use is also associated with many dangers. Data from the Centers for Disease Control and Prevention (CDC) shows that of the 34.1 million adults in America who smoke cigarettes, more than 16 million people live with smoking-related diseases.

Therefore, choosing to smoke or drink is viewed as risky behavior in the eyes of insurance companies.

However, rate reductions for lifestyle choices like this are more common when purchasing life insurance than auto insurance.

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

If you’re already a 21st Century customer living in Idaho and you don’t smoke or drink, inform your agent so you can earn the non-smoker and non-drinker auto insurance discount.

Fortunately, every provider offers dozens of different auto insurance discounts to drivers, with varying levels of savings and unique eligibility rules.

Some similar but more common discounts include:

Be sure to compare rates from different companies online and always ask about other discounts you can earn.

Now that you’re an expert on affordable non-smoker and non-drinker discount auto insurance, enter your ZIP code into our free rate tool below to receive quotes from reputable insurance providers near you.

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