Best Car Insurance Company for Good Drivers (2024)

Good drivers with a clean driving record can take advantage of the cheapest car insurance rates available. In fact, the best insurance companies for will offer you multiple discounts as well as low rates if your record, credit score, driving habits, and other factors allow you to qualify.

The best car insurance companies for good drivers will vary for each person, since rates offered from company to company will differ. Overall, auto insurance costs and for responsible navigators on the road are significantly less than they are for high-risk-drivers. 

Shop around and compare quotes to find the cheapest car insurance for good drivers along with common and hidden auto insurance discounts based on your driving record.

Enter your ZIP code to compare quotes from the best car insurance companies for good drivers in your area for free.

What are the best car insurance companies for good drivers?

Your driving record is one of the most significant factors that can affect your car insurance rates. Auto insurers want to know how much of a risk it will be to insure you.

Drivers with a history of causing accidents, tickets, or things like a traffic violation will be seen as much more likely to cost the insurance company money and will get higher rates.

This table shows you the average annual auto insurance rates for drivers based on driving history. It might surprise you to see just how much bad driving can have a wide range of affect your rates.

Average Monthly Car Insurance Rates by Driving Record

USAA and GEICO offer the cheapest rates for good drivers. However, USAA only offers coverage to members of the military, veterans, and their families.

No matter the auto insurance company, bad drivers with accidents, tickets, or DUIs will pay much higher auto insurance rates than drivers with a clean driving history. 

If you have multiple dings on your driving record, those high rates will skyrocket.

You might want to look for a car insurance company that offers accident forgiveness for drivers with an otherwise clear record. However, accident forgiveness is only good once, and then your rates will go up if you get in another accident.

What car insurance discounts are available for good drivers?

Although not all car insurance discounts are based on your driving record, some of the highest discounts provided by the largest insurers are.

This table shows you common types of auto insurance discounts for good drivers. The discount amount is listed if it is known.

Car Insurance Discounts Available for Good Drivers

Read more:

• The Hanover Insurance Group Review & Complaints: Auto, Home & Business Insurance
• Defensive Driver Car Insurance Discount

Just like rates, discount amounts will vary. For example, a GEICO good driver discount will save you 22%, but a Travelers good driver discount will save you 30%.

Another way to save is to participate in a telematics program. These programs use a device or app to monitor your driving and issue you a discount based on how well you do.

Telematics can make you an even better driver in addition to saving you money.

According to the Insurance Information Institute, telematics improves driving skills because it offers you immediate feedback and points out areas for improvement.

However, not all of these programs are created equal. Some monitor your driving for a short while and then offer you a discount for the life of your auto insurance policy.

Other programs require continual monitoring of your driving and adjust your insurance discount amount often. Some car insurance companies will even raise your rates if you score poorly.

What other ways can drivers save money on car insurance?

Car insurance companies also offer discounts that don’t revolve around your driving history. You can also earn discounts based on your policy and the safety features in your vehicle.

This table shows you the common car insurance discounts offered by the top companies that you may be eligible for.

Car Insurance Discounts by Company

Discount Name
Adaptive Cruise Control	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Adaptive Headlights	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Anti-lock Brakes	10%	✓	✓	5%	5%	5%	✓	5%
Anti-Theft	10%	✓		23%	20%	25%	✓	15%
Claim Free	35%	✓	✓	26%	✓	10%	✓	15%	23%	12%
Continuous Coverage		✓	✓		✓	✓	✓	✓	15%	✓
Daytime Running Lights	2%		✓	3%	5%	5%	✓	✓
Defensive Driver	10%	10%	✓	✓	10%	5%	10%	5%	10%	3%
Distant Student	35%	✓	✓	✓	✓	10%	✓		7%
Driver's Ed	10%	✓	✓	✓	10%	✓	10%	15%	8%	3%
Driving Device/App	20%	40%	✓	✓	30%	40%	20%	50%	30%	5%
Early Signing	10%	✓	✓	✓	✓	8%	✓	✓	10%	12%
Electronic Stability Control	2%	✓	✓	✓	5%		✓	✓	✓	✓
Emergency Deployment	✓	✓	✓	25%	✓	✓		✓	✓	✓
Engaged Couple	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Family Legacy	✓	✓	✓	✓	✓	✓	✓	✓	✓	10%
Family Plan	✓	✓	✓	✓	✓	25%	✓	✓	✓	✓
Farm Vehicle	10%	✓	✓		✓	✓		✓	✓	✓
Fast 5	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Federal Employee	✓	✓		12%	10%	✓		✓	✓	✓
Forward Collision Warning	✓	✓	✓	✓	5%		✓	✓	✓	✓
Full Payment	10%	✓	✓		$50	✓	✓	✓	8%	✓
Further Education	✓	✓			10%	15%		✓		✓
Garaging/Storing	✓	✓	✓		✓	✓	✓	✓		90%
Good Credit			✓	✓	✓		✓		✓	✓
Good Student	20%	✓		15%	23%	10%	✓	25%	8%	3%
Green Vehicle	10%	✓	5%	✓	10%	✓	✓	✓	10%	✓
Homeowner	✓	✓	✓		✓	5%	✓	3%	5%	✓
Lane Departure Warning	✓	✓	✓	✓		✓	✓	✓	✓	✓
Life Insurance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Low Mileage		✓		✓			✓	30%
Loyalty	✓	✓	✓	✓	✓	5%	✓	✓	✓
Married	✓	✓	✓	✓			✓		✓
Membership/Group	✓	✓	✓		10%	7%		✓		✓
Military		✓	✓	15%	4%	✓			✓
Military Garaging	✓	✓	✓	✓	✓	✓	✓	✓	✓	15%
Multiple Drivers	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Multiple Policies	10%	29%	✓	10%	20%	10%	12%	17%	13%
Multiple Vehicles		✓	✓	25%	10%	20%	10%	20%	8%
New Address	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Customer/New Plan	✓	✓	✓	✓		✓	✓	✓	✓	✓
New Graduate	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
New Vehicle	30%	✓	✓	15%	✓			40%	10%	12%
Newly Licensed	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Newlyweds	✓	✓	✓	✓	5%	✓	✓	✓	✓	✓
Non-Smoker/Non-Drinker	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occasional Operator	✓	✓	✓	✓	✓	✓	✓	✓	✓
Occupation		✓			10%	15%	✓	✓		✓
On-Time Payments	5%	✓		✓	✓	✓	✓	✓	15%	✓
Online Shopper	✓	✓	✓	✓	✓	✓	7%	✓	✓	✓
Paperless Documents	10%	✓		✓	✓	5%	$50	✓	✓	✓
Paperless/Auto Billing	5%	✓		✓	✓	$30	✓	$20	3%	3%
Passive Restraint	30%	30%		40%		20%	✓	40%
Recent Retirees	✓	✓	✓	✓	4%	✓	✓	✓	✓	✓
Renter	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Roadside Assistance	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Safe Driver	45%	✓		15%	✓	35%	31%	15%	23%	12%
Seat Belt Use	✓	✓	✓	15%	✓	✓		✓	✓	✓
Senior Driver	10%	✓		✓	✓	✓	✓	✓	✓
Stable Residence	✓	✓	✓	✓	✓		✓	✓	✓	✓
Students & Alumni	✓	✓	✓		10%	7%		✓	✓	✓
Switching Provider	✓			✓	10%	✓		✓	✓	✓
Utility Vehicle	15%	✓	✓		✓	✓		✓	✓	✓
Vehicle Recovery	10%	✓	✓	15%	35%	25%	✓	5%
VIN Etching	✓	✓	✓	✓	5%		✓	✓
Volunteer	✓	✓	✓	✓	✓	✓	✓	✓	✓	✓
Young Driver	✓	✓	✓	✓		✓	✓	✓	✓	$75

Most auto insurance companies will even allow you to bundle your discounts to save the most money on your auto insurance coverage. If you have multiple cars on your policy, you can ask about a multi-vehicle discount. If your record is clean, you can ask an insurance agent about a safe driving discount. If you have a teen of driving age with good grades, they may qualify for a student discount.

Drivers can also lower coverage limits and raise deductibles to reduce rates. Developing safe driving habits is one of the best ways to lower your rates and help you qualify for more insurance savings.

Case Studies: Good Driver Car Insurance

Case Study 1: John’s Clean Driving Record

John is a responsible driver with a clean driving record. He has never been involved in an accident, received any tickets, or committed any traffic violations. As a result, he is eligible for the best car insurance rates available for good drivers.

By comparing quotes from various insurance companies, John was able to find the most affordable car insurance policy that offered him significant discounts based on his clean record.

Case Study 2: Sarah’s Accident Forgiveness

Sarah is a good driver with a clean driving record, except for one accident she had a few years ago. Despite the accident, Sarah was still able to find a car insurance company that offered accident forgiveness for drivers with an otherwise clear record. With this feature, Sarah’s rates remained low despite the past incident, providing her with peace of mind and continued savings.

Case Study 3: Mark’s Telematics Program

Mark wanted to further improve his driving skills while saving money on his car insurance. He enrolled in a telematics program offered by his insurance company. The program monitored Mark’s driving habits and provided him with feedback to help him become an even better driver. As a result of his safe driving behavior, Mark received a substantial discount on his car insurance premiums.

Case Study 4: Emma’s Policy Bundle

Emma has a clean driving record and multiple vehicles to insure. To maximize her savings, Emma took advantage of a multi-vehicle discount offered by her car insurance company. By bundling all her vehicles under one policy, Emma was able to enjoy lower rates for each vehicle and simplify her insurance management.

The Best Car Insurance Companies for Good Drivers: The Bottom Line

The best auto insurance companies for good drivers will vary, but USAA and GEICO offer the cheapest rates in general.

Shop around and compare rates, discounts, auto policies, and programs offered before you buy cheap car insurance with a good driving record. 

If you have a great driving record, enter your ZIP code now to compare rates from the best car insurance companies for good drivers near you for free.