Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jan 24, 2022

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At a Glance

  • The best auto insurance companies for safe drivers offer safe driver discounts and defensive driving courses
  • Operation Safe Driver inspired car insurance companies to start prioritizing and incentivizing safe driving habits
  • Safe drivers are individuals that have kept a clean driving record for at least three to five years

What are the best auto insurance companies for safe drivers? Generally speaking, companies that offer safe driver discounts and defensive driving courses will be more attractive to safe drivers. In this article, we will be providing an overview on the best auto insurance companies for safe drivers and how you can identify them easily.

The best car insurance companies for safe drivers should also have some of the best rates. Enter your ZIP code to receive a free car insurance quote today.

How to select the best auto insurance companies for safe drivers?

There are so many great options to choose from, which is why it can be challenging to find the best auto insurance for safe young drivers. As you continue to shop around for the best car insurance companies, you may notice that certain qualities or features may be more appealing to you than others.

Low Car Insurance Rates

When it comes to insurance rates, the cheapest car insurance for good drivers will always be an attractive option. Before you start shopping around for insurance, make sure you set a budget, so you can make sure the insurance you select will meet your financial expectations. 

Safe Driver Discounts and Savings

The best auto insurance company for safe drivers will typically have a safe driver program and or offer a safe driver discount. Depending on which car insurance company you select, you can save more money than you expected. The average safe driver can save around 10%-40% simply by enrolling in one of the defensive driver programs, or keeping your record clean for the required timeframe. Every car insurance company has their own time standards, which typically fluctuate between three to five years.   

CompanyPercentage of Savings
State FarmUp to 30%
NationwideUp to 10% percent
American Family InsuranceUp to 20%
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While the potential savings from a safe driver discount can seem exciting, the initial rate of your insurance plan must be considered to determine which company truly has the best auto insurance rates for safe drivers. If the initial rate is already low and just a small percentage of savings is applied, the discount applied is less significant than the final price you may end up paying.   

Availability in Your State

While some auto insurance companies may be offering great deals, it may be limited to specific states and areas. In order to select the best offer, it’s important to remember that you may not be eligible for attractive insurance rates that may be promoted in other states.  

IRC Membership

If you are in search of a quality car insurance company that listens to the voice of its customers and analyzes data to better understand its customer base, then you may want to select an insurance company that is part of the Insurance Research Council (IRC). The IRC is a nonprofit research organization dedicated to examining data and discovering trends that may impact its customers.  

According to the Institutes Insurance Research Council, the IRC conducts consumer research through:

  • Public opinion surveys (in-hone and by phone)
  • Analysis of insurance statistical experience
  • Closed claim studies 

American Family Insurance, Allstate, and State Farm are all well-known car insurance companies that are also members of the IRC. 

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What are the best auto insurance companies for safe drivers?

There are several auto insurance companies on the market. What separates them is the unique programs they have available for safe drivers.

1. Allstate is one of the best auto insurance companies for safe drivers

Drivewise is Allstate’s safe drivers program. It comes in the form of a mobile app and it monitors how you drive then it provides personalized feedback that can help you improve. If you sign up for this program, factors such as safe speed, safe stops, and driving during safe hours will be monitored and you can be rewarded with a discount on your car insurance rate simply for participating. 

For every six months that you remain on Allstate’s safe driver program, the amount you save on car insurance can increase.  

2. American Family Insurance is one of the best auto insurance companies for safe drivers

American Family Insurance, also known as AmFam, offers a Good Driver Discount to its members with a solid driving record. If you have not had any accidents, violations, or filed any claims within the last five years, you can enjoy a discounted car insurance rate.   

The company also offers the Teen Safe Driver Program for its young drivers. It monitors driving to detect and fix bad driving habits early. Even better, after a teen completes at least 3,000 miles or one year of the program, a discount of up to 10% can be applied to your account.    

3. GEICO is one of the best auto insurance companies for safe drivers

DriveEasy by GEICO is a defensive driving course that can monitor how you drive. Simply log in to the app, drive, and  it will provide you with a performance score. This score is considered and it will be factored into your car insurance discount. 

In addition, GEICO offers a Good Driver Discount to its members that have been accident-free for at least five years. 

4. Nationwide is one of the best auto insurance companies for safe drivers

When it comes to the best auto insurance company for safe drivers, Nationwide is on your side. The company offers a safe driver discount to cautious drivers that have at least five years of safe driving. 

SmartRide® is a program the company initiated for safe drivers to save on their car insurance costs. With SmartRide, Nationwide can monitor your driving behavior and measure it based on four factors:

  1. Miles driven
  2. Hard braking & acceleration
  3. Idle time
  4. Nighttime driving

Members automatically receive 15% off, simply for participating. In addition, they can receive up to 40% off once the program has been completed.  

5. State Farm is one of the best auto insurance companies for safe drivers

Drive Safe & Save is a program that State Farm initiated to reward its safe drivers. Members can enroll by texting SAVE to 78836. The app is powered by Bluetooth technology that will track and monitor how you drive. State Farm offers two different safe driver programs

  1. Drive Safe & Save (for standard vehicles) – If your vehicle does not have OnStar GPS equipment 
  2. Drive Safe & Save (for OnStar-enabled vehicles) – If your vehicle is already equipped with OnStar equipment 

By participating in the program, safe drivers can earn a discount of up to 30%. 

6. Travelers is one of the best auto insurance companies for safe drivers

Travelers offers a Safe Driver Discount to its drivers that have kept a clean driving record for at least four years. If you live in California, it’s important to know that even though Travelers car insurance may be available in your state, you will not be eligible for the Safe Driver Discount.  

The company also offers a Driver Training Discount. Members that have completed the program can enjoy a car insurance discount of up to 8%. 

7. USAA is one of the best auto insurance companies for safe drivers

USAA SafePilot is a safe driver program that USAA created to provide the best auto insurance rates for safe drivers. The program uses an app to monitor driving behavior and enrollment alone can knock up to 10% off your car insurance rate. Through this app, your trips are monitored and scored  At the end of the program, a great score can help safe drivers earn an additional discount of up to 30%. 

USAA is a great car insurance option for safe drivers, however, its safe driver savings may not be as widely available as some of the other options. USAA SafePilot is only available in the following states:

  • California
  • Connecticut
  • Delaware
  • Indiana
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Vermont
  • Wisconsin

If you are an international member, or if you are located in a U.S. territory, you are not eligible for the program.

Who are safe drivers?

According to a study conducted by Broadmoor Motors, two out of three American drivers consider their own driving ability, knowledge, and safe driving habits as higher than other drivers. Since driving can be subjective, this could make the definition of what it means to be a safe driver appear vague.  

To understand what a safe driver is, it’s important to learn about the program that catapulted safe driving into a priority bucket for car insurance companies.

Operation Safe Driver is an initiative developed in 2007 that aims to collectively reduce the amount of collisions, injuries, and accident fatalities through education. Through this initiative, high-risk driving behavior is corrected, and safe drivers are rewarded with perks from select auto insurance companies.

Safe drivers have a clean driving record containing no violations, or at-fault accidents. In addition, they navigate the road responsibly and according to traffic regulations and speed limits. Car insurance companies consider individuals that can keep their driving record clean for three years or more as safe drivers, which makes them eligible for special discounts.   

While there are some auto insurance companies that offer cash back for safe drivers, others develop incentives, like safe driver discounts and programs.   

What is a safe driver discount?

A safe driver discount decreases the cost of your average car insurance rate based on how well your driving performance is. This can be determined based on your driving record or equipment that can monitor your driving if you participate in a defensive driver’s course.

Some of the most common characteristics of a safe driver are:

Planning Ahead

For a driver, planning ahead can mean anything from looking ahead to make smart driving decisions faster to coordinating the perfect time to hit the road. Traffic can cause unexpected delays, which might give drivers the urge to speed to their destination. However, safe drivers are well aware of the danger this causes, so they take extra precautions to avoid falling into bad driving habits like these.  

Giving the Road Your Undivided Attention

Distracted driving is one of the leading causes of car accidents for young drivers. By zoning in on the road and ignoring common distractions, such as loud music, text messages from peers, or outside elements, it can help assure your safety and the safety of others.   

Adjusting to Weather

Hydroplaning is a silent culprit in many car accidents. Safe drivers check the weather in advance and either reschedule to drive on a day when the roads are clear, or they shift their driving habits to take extra precautions. According to Driving Tests, hydroplaning occurs at speeds of 35 miles per hour or faster. Knowing this can help you determine how fast you should be driving when the roads are slippery.    

Wearing Your Seatbelt

In the United States, all drivers must wear a seatbelt. Safe drivers abide by the law at all times and properly put on their seatbelts before getting on the road. All states, with the exception of New Hampshire, require drivers and front-seat passengers to wear a seatbelt.    

No Driving Under the Influence

One of the best actions a safe driver can take to be a responsible driver is to make sure they do not drive while under the influence. It is illegal in the United States to drive under the influence of alcohol or drugs and it can severely impair your driving abilities. Safe drivers know this. Every state has designated their own legal blood alcohol level (BAC), and safe drivers either abide by these strict regulations, or make the decision not to drive if their BAC is too high. 

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What is the cheapest car insurance for good drivers?

GEICO is the cheapest and it is one of the best car insurance companies for good drivers. Not only does it offer the lowest auto insurance for safe drivers, but it also has a great reputation for low rates and customer satisfaction. Since its rates are already some of the lowest in the market, adding a safe driving discount can only help you save more.  

Looking for the best auto insurance for safe drivers? Before making your decision, enter your ZIP code to receive a free car insurance quote today. 

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.