Safe Driver Discount

You've probably seen safe driver discounts on commercials, but maybe you don't know what a safe driver discount is or whether you could save on your auto insurance. A safe driver discount is available to drivers who meet a few different criteria. If you're over 25 and haven't had any traffic violations or claims in at least three years, you may be eligible. Some auto insurance companies require drivers to have completed a defensive driving course before they are eligible for a safe driver discount. Reach out to your insurance agent to ask how to get a discount, and read on to learn about safe driver discounts in general and the specifics of different companies offerings.

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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 ...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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 Rachael Brennan

UPDATED: Jul 19, 2021

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Do you qualify for a Safe Driver discount? If you don’t have any tickets on your record within the last few years, the odds are pretty good that you do. And this is definitely a discount that you should ask your insurance company about since safe drivers can save as much as 50% off their monthly car insurance premium!

Safe driver discounts are one of many car insurance discounts that you should be aware that you can use to save on your insurance rates. If you need to find the cheapest rates, you can use our FREE rate comparison tool to get started.

Get A Safe Driver Discount And Turn Your Safe Driving into Big Savings on Your Policy

Auto insurance providers calculate their rates based on risk. The equation for evaluating risk (a motorist’s likelihood of filing a claim in the future) is greatly dependent on an individual’s driving information. Motorists who have a clean track record can easily obtain reduced premiums. For most insurance companies, this is known as a safe driver discount.

Benefits of Safe Driver DiscountsLegend: Good Driver Discount Multiple Driving Violations CaliforniaFloridaIllinoisNew YorkTexas 255075100125150175200225$64$98$128$227$30$56$86$152$85$177

The majority of insurance agencies provide preferred risk discounts for individuals that remain accident-free though it may also hinge upon your driving history. It is essential to steer clear of collisions, but the truth is you must also keep away from speeding and reckless driving citations, DUI, or DWI arrests, along with other infractions that could sully your driving history.

How Driving Violations Affect Car Insurance RatesLegend: Minor Speeding Ticket Reckless Driving/DUI Conviction At-Fault Accident Several Citations on Your Record A Clean Driving Record FloridaTexasIllinoisCaliforniaNew York 306090120150180210240270300$159$225$199$320$126$114$160$136$276$105$42$49$52$75$34$91$164$101$170$64$107$153$95$321$93

The sum you can save and the way you may be considered eligible may differ from company to company. As an illustration, a number of motorists may be entitled to this discount after 36 months and may max out following 5 successive years of safe driving. Other programs may give you a discount for each and every year of safe driving. In any event, overall discounts generally reach their peak between 20-50 percent. Enter your postal code to see if you qualify for a safe driver insurance plan.

Many Years of Safe DrivingLegend: Safe Driver Rate After 36 Months After 72 Months FloridaTexasIllinoisCaliforniaNew York 153045607590105120135150$159$127$93$114$92$73$42$33$21$91$73$46$107$84$51

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Do you Qualify For a Good Driver Discount?

A good driver discount becomes applicable if all of the following circumstances listed below are met. Good Drivers generally possess an official title in the auto insurance industry known as “preferred risk drivers”. The desired profile of a preferred risk driver is:

  • Someone older than 25 with more than five years driving experience
  • Having a spotless Driving Record free of collisions, citations, and moving violations for at least the past 36 months (three years or more)
  • Great Credit with a higher than average credit score for your particular zip code
  • Good Citizens, or drivers who have not been convicted for any vehicle-related crimes during their driving history
  • Defensive Driver Education – This varies from company to company, but can help shave points off your record

Even if your driving history comes with a checkered past, there’s still hope. The longer you go without putting any new violations on your record, the easier it will be to obtain safe driving discounts. Also, the less serious your violations are (and the less frequently they involve alcohol, according to the NHTSA), the better off you will be.

Whatever your age, credit score, or profession may be, you will receive serious benefits if you happen to be a safe driver. A clean driving record will lead to a lower car insurance premium and safe driver insurance will save you tons of money in the long run.

Another way to save is to compare rates regularly. You can search for quotes with our FREE comparison tool here.

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