Compare car insurance for good drivers

Take your pick of providers with discounts and benefits for your safe driving.

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Your safe driving habits may qualify you for a variety of discounts from a provider of your choice — but consider those that offer more than just the cheapest rates.

How much does car insurance for good drivers cost?

The average annual car insurance rate across the board is about $1,300 per year with many good drivers factoring into that number. However, drivers with violations from a lapse in coverage or DUIs can see increased rates between 10% to 94%. So while you’re paying $1,300 or less per year, your riskier friends might be shelling out $1,430 to $2,522 per year.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Best for safe drivers: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support

Compare car insurance for good drivers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
All states except AK, HI, LA, MI, RI
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

Compare up to 4 providers

How can I save as a good driver?

Good drivers have multiple savings options to reward their efforts. Some include:

  • Safe driving discounts. Many insurers include multiple rewards for safe drivers — including an accident-free history, claims-free policy, no traffic violations, car safety features and driver safety courses.
  • Bundling. Save even more by bundling your insurance needs for a discount.
  • Disappearing deductible. Another form of safe driving discount, this rewards you by lowering your deductible each year or policy period that you’re accident free.
  • Stack your savings. Increase your savings by stacking safety discounts along with other easy-to-achieve savings like automatic payments or paperless statements.
  • Telematics. This usage-based car insurance policy uses a telematics device or app to track your mileage and safe driving habits.
  • Shop around. Safe drivers have more options for insurance providers, meaning you can typically choose the best value.
  • Less coverage. Your good driving may mean you can do with less types of protection than others — but reduce coverage options wisely.
  • Higher deductibles. Your record may allow you to take on a bit more responsibility, such as a $1,000 deductible versus a $500 option. However, your financial situation may also factor into this choice.

What kind of coverage should I get as a good driver?

Even as a good driver, consider a policy that still covers you for situations out of your control, such as other risky drivers on the road. Coverage you may need:

Property damage liability

Pay for damage to another person’s car or property during an accident you cause. This is required in most states.

Bodily injury liability

Cover medical costs for other people involved in your at-fault accident. This is required in many states.

Uninsured/underinsured motorist

Make sure you’re protected against uninsured drivers who aren’t as safe as you on the road.


Not all accidents are within your control—but you don’t have to take a hit. Cover your car for incidents like theft and weather damage.

Personal injury protection (PIP)

Pay for medical bills and income loss no matter who’s at fault in an accident. This coverage also works well if you don’t have adequate health insurance.

Loan or lease gap

If another risky driver totals your vehicle, you can still pay off your loan or lease.

Case study: Saving 20% for safe driving

Andrew is shopping around for insurance and can choose almost any provider because of his accident-free driving record. After comparing multiple providers, he settles on a policy at a below-average rate of $1,100 per year.

After applying the 10% safe driver discount and getting another 10% for signing up for his insurer’s safe driving program, Andrew can enjoy a premium of $880 a year. He may get up to 40% off as he continues driving with the app or telematics device.

What should I watch out for as a good driver?

As a good driver, you can have peace of mind about your insurance most of the time. But be aware of a few situations in which you may not be getting the best value:

  • Cheap insurance. A provider who offers the cheapest rate may still not be the best option for you. Consider the provider’s claims process and customer experience first.
  • Comparing quotes. Consider comparing several providers for the best rate with the highest coverage.
  • First accident. Any accident will bump up your premium, but some providers offer first-accident forgiveness as a discount or add-on coverage to help.
  • Driving record errors. Mistakes on your record are rare, but not unheard of. Your record should showcase the safe driving history you’ve worked hard for.

How do I prove that I’m a good driver?

During the quoting process, an insurer looks at your motor vehicle report (MVR) provided by your local department of motor vehicles. Nothing more is required on your part. But you can access the report to make sure it’s up to date and error free by going to your DMV or by asking your insurance agent for the details.

Bottom line

As a good driver, you have the freedom to choose a car insurance provider with the best rates and coverage for you. However, you still have to meet state minimum requirements for coverage — so you can’t forgo insurance because of your safe driving.

Common questions about car insurance for safe drivers

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