GEICO Safe Driver Discount: How much can you save?
The GEICO safe driver discount includes a good driver discount, a defensive driving course discount, and the GEICO DriveEasy program. You can save up to 26% with a good driver discount, 15% by taking a defensive driving course, and 15% by signing up for DriveEasy (and up to an additional 25% over time). There are state-specific rules for these discounts, so you’ll need to work with GEICO to determine which GEICO safe driver discounts are available in your state and whether you qualify.
- Geico offers three safe driver discounts: a defensive driver course discount, a good driver discount, and a Geico DriveEasy app
- Savings of between 5% and 26% are available for each reduction
- Geico doesn’t offer all three safe driver discounts in every state, so it’s essential to work with the company to find out what is available and how to qualify
When you’re shopping for auto insurance, we know that finding affordable coverage and saving on your rates are important. Car insurance discounts are one way to save on rates, and you could save up to 26% with Geico safe driver discounts. Read this article to learn everything you need to know about Geico safe driver discounts. This includes whether there is a Geico safe driver discount app, how to get affordable Geico safe driver discount auto insurance, average Geico safe driver discount auto insurance rates, and more.
Before we discuss the Geico safe driver discount details, why not determine how much you can save by comparison shopping for coverage? Enter your ZIP code into the tool on this page to obtain free quotes from companies in your area and compare today.
What is a Geico safe driver discount, and will it save you money?
There isn’t a single Geico safe driver discount. Instead, there are a few different discounts Geico offers that fall into the safe driver discount category. Specifically, the defensive driving course discount, the good driver discount, and Geico DriveEasy are all safe driver discounts offered by the company.
You could save a significant amount on your rates with these reductions:
- The defensive driving course could save you between 5% and 15% on your rates
- The good driver discount could save you up to 26% on your policy
- With the DriveEasy discount, you’ll save 15% for signing up and up to an additional 25% depending on how you drive
Keep reading for more details on these discounts, how to qualify, where you can buy Geico safe driver discount auto insurance, etcetera.
Do they offer a defensive driving course discount?
As noted earlier, Geico safe driver discount auto insurance quotes reflect up to 15% off your rates with a defensive driving course. So, what is a defensive driving course? Defensive driving courses provide additional training to drivers to help reduce accidents. You’ll need to take an approved defensive driving course (either online or in person) to qualify for a defensive driving course discount.
The National Safety Council (NSC) offers the most commonly considered approved defensive driving courses, and Geico typically accepts NSC courses for discount qualification. However, Geico currently doesn’t provide defensive driving discounts in the following states:
- Hawaii
- Massachusetts
- Michigan
- North Carolina
- Oklahoma
- Vermont
Where defensive driving discounts are available, the discount generally only applies if you take the defensive driver course voluntarily (rather than as the result of a court order or other legal obligation). In some states, an online course won’t be sufficient, as you’ll need classroom time as well. In other states, there may also be an age requirement to qualify. Ensure that you speak with your local Geico office or agent to confirm the specifics in your area.
Is there a good driver discount?
Geico offers discounts to good drivers. The Geico good driver discount could save you up to 26% on your rates.
To qualify for this deduction, you’ll need to have a clean driving record with no accidents for the past five years.
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What is Geico DriveEasy?
Geico DriveEasy is a usage-based app offered through Geico that tracks your driving behavior. Geico uses the tracked data to personalize your rates and adjust them based on your driving habits. With Geico DriveEasy, you’ll receive a 15% reduction for signing up, and you’ll be able to save up to 25% on your rates, depending on how you drive.
Any Geico-insured driver can sign up for DriveEasy. However, Geico DriveEasy isn’t available everywhere yet. Review the table below to find out if you can sign up for Geico DriveEasy in your state.
| State | Geico DriveEasy Is Available |
|---|---|
| Alaska | No |
| Alabama | Yes |
| Arkansas | No |
| Arizona | Yes |
| California | No |
| Colorado | Yes |
| Connecticut | Yes |
| District of Columbia | Yes |
| Delaware | No |
| Florida | Yes |
| Georgia | No |
| Hawaii | No |
| Iowa | Yes |
| Idaho | Yes |
| Illinois | Yes |
| Indiana | No |
| Kansas | No |
| Kentucky | Yes |
| Louisiana | Yes |
| Maine | No |
| Maryland | Yes |
| Massachusetts | No |
| Michigan | No |
| Minnesota | No |
| Missouri | No |
| Mississippi | No |
| Montana | No |
| North Carolina | Yes |
| North Dakota | No |
| Nebraska | No |
| New Hampshire | No |
| New Jersey | Yes |
| New Mexico | Yes |
| Nevada | Yes |
| New York | No |
| Ohio | Yes |
| Oklahoma | Yes |
| Oregon | Yes |
| Pennsylvania | Yes |
| Rhode Island | No |
| South Carolina | No |
| South Dakota | No |
| Tennessee | Yes |
| Texas | Yes |
| Utah | Yes |
| Virginia | Yes |
| Vermont | No |
| Washington | No |
| West Virginia | No |
| Wisconsin | Yes |
| Wyoming | No |
While programs like Geico DriveEasy can save you money, there are privacy concerns related to data tracking. As a result, the Insurance Information Institute reports that an increasing number of states are enacting laws requiring insurance companies to be more transparent about the collected data, how it’s stored, and what else the companies may do with it.
Are there any hidden Geico discounts?
While we’ve mentioned some of the discounts that you might expect from auto insurance companies like Geico, there are other, less obvious (though not necessarily hidden) reductions for which you may qualify. Here are some additional discounts that Geico offers:
- Distant student – applies if a driver on your policy is a college student and attending school at least 100 miles away from your residence
- Federal employee – applies to current and retired federal employees, saving you up to 8% on rates
- Further education – applies if you have a four-year degree or higher
- Good student – applies to students who maintain at least a 3.0 grade point average, saving you up to 25% on rates
- Homeowner – applies if you own your home
- Affiliation – applies if you’re affiliated with certain groups (you can work with Geico to find out which groups are associated with this discount)
- Occupation – applies if you have certain kinds of jobs (you can work with Geico to find out which careers are associated with this discount)
- Students/Alumni – applies if you attend or graduated from certain schools (you can work with Geico to find out which schools are associated with this discount)
Contact Geico to discover what you may qualify for and how much you can save.
Read more:
Geico Safe Driver Discount: The Bottom Line
A few different discounts fall into the Geico safe driver discount, including the defensive driver course discount, the good driver discount, and Geico DriveEasy. You can save between 5% and 26% on each of these reductions.
Be sure to speak with your local Geico office or agent to determine if there are any specific requirements you need to meet in order to qualify for these deductions in your state.
Now that we’ve covered the details on Geico safe driver discounts, are you ready to save on your coverage? Aside from discounts, the best way to do that is to shop around for insurance. You can get started right now by entering your ZIP code into our tool to obtain free quotes from top companies.
Frequently Asked Questions: Geico Safe Driver Discount
If you’re still wondering about Geico safe driver discounts, read these frequently asked questions for more information.
#1 – If you own your home, can you get an additional discount?
The short answer is yes. Owning your home can affect your rates in a few ways. We noted earlier that being a homeowner could get you a discount. In addition, as a homeowner, you may be perceived as more responsible, meaning your base rate could be lower. Finally, If you have both home and auto insurance from Geico, you’ll qualify for a bundling discount, which will further lower your rates.
#2 – How can you save an extra 10% on your rates?
If you qualify for a multi-policy bundling discount, you can save an extra 10% on your rates.
#3 – What kind of coverage can you purchase from Geico?
Geico sells standard auto insurance coverage as well as the following:
- Homeowners insurance
- Condo insurance
- Renters insurance
- Commercial auto insurance
- Motorcycle insurance
- ATV insurance
- RV insurance
- Boat insurance
With all of these coverage options, a bundling discount is another way to save with Geico.