Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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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.

Here's what you need to know...

  • Your smoking and drinking habits can influence your auto insurance rates in multiple ways as well as your overall safety behind the wheel
  • Drivers who do not smoke or drink may qualify for a substantial discount through some car insurance companies
  • Both smoking and drinking are potentially dangerous behaviors that could increase the risk of a car accident in different ways
  • Companies like Allstate offer non-smoker/non-drinker car insurance discounts

Many people are aware that drinking and smoking are unhealthy behaviors in different ways, but you may not be aware that they can affect your car insurance expenses.

Your car insurance premium is one of the most significant costs associated with driving, and you want to save money on car insurance in any way possible.

When you participate in risky behaviors, you may also be more likely to be in an accident and have to pay a deductible on your car insurance policy.

By learning more about how drinking and smoking can affect your insurance expenses, you may be motivated to make a few lifestyle changes related to your drinking and smoking activities or to start shopping for lower rates on your coverage today.

Compare car insurance quotes to see how much you could save by switching providers. Enter your ZIP code into our free rate comparison tool above to get started.

Understanding Which Factors Affect Your Car Insurance Rates

When you shop around for car insurance rates, different auto providers will ask for more information about your driving record.

If you have a driving under the influence charge or another similar alcohol-related charge on your driving record, you could be denied coverage or be subject to very high rates.

However, alcohol is only one risk factor that car insurance companies look for when determining your insurance rates.

Age, gender, and your zip code are also commonly reviewed when you shop around for new car insurance quotes. Some insurance providers will even ask if you smoke regularly or when the last time was when you last smoked.

This factor could also affect your rates, and avoidance of this behavior may qualify you for a money-saving discount. It could also decrease the likelihood of being in an accident and having to pay your deductible.

How Drinking and Smoking Affect Insurance Rates

Drinking is known to impair your ability to behind the wheel, and smoking is viewed as a distracted behavior because it can take your hands off of the wheel as well as your eyes and attention away from the activity of operating your vehicle.

Distracted driving is a common cause of car accidents.

If you participate in these risky behaviors, your rates may be higher with some insurance companies. Likewise, if you are not a drinker or a smoker, you may benefit from qualifying for lower rates on car insurance.

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Saving Money Through a Car Insurance Discount

Many car insurance companies review smoking and drinking habits when determining your car insurance rates, and some offer an additional discount to help you save money on car insurance if you are not a drinker or a smoker.

This discount is not available through all car insurance providers.

If you believe that you may qualify for it because of your lifestyle habits and behaviors, it makes sense to shop for new rates with a provider that offers a related discount.

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Finding a Provider that Offers a Money-Saving Discount

There are many auto insurance providers that you can choose to get a quote from, but you may want to find a provider that offers competitive pricing for the coverage you need. More than that, you may want to take advantage of a possible discount for not drinking or smoking.

A smart idea is to start searching online for providers that offer this discount. Remember that each provider typically lists discounts on their website, but you may need to make a direct inquiry by calling companies that do not publish this information online.

Before you reach out to any providers, carefully consider the amount of insurance that you want to request a quote for. You will be able to more easily compare rates when you request the same level of coverage from each provider.

Review your state and lender requirements for car insurance first. Then, determine if you would benefit by purchasing any additional coverage through your policy.

How to Find the Right Insurance Company

Your next step is to find a reputable auto insurance company. You may already have a list of providers that offer a non-drinker, non-smoker discount, but you need to research the overall reputation of these providers as well as their financial strength.

After all, while you want to save money on car insurance through your non-drinker and non-smoker discount, you also want to work with a reliable and trusted provider.

The internet is a great resource to use when you want to find the most established and reputable providers to reach out to for a quote.

In addition to looking at financing ratings websites, you can also read consumer reviews for each of the top providers that you are thinking about working with.

Look for Other Safe Driving Discounts

Remember that a non-drinker, non-smoker discount is just one of many money-saving discounts that auto insurance companies provide.

In fact, there are several dozen discounts available in the industry, but not every insurance company offers every discount. More than that, the requirements for obtaining discounts may be different from provider to provider.

If you want to save as much money as possible, you need to review quotes and take into account savings from as many discounts as possible. A few of the other discounts that you may find through different car insurance companies are:

  • A safe driver or no-claims discount
  • A military discount
  • A family legacy discount
  • A safety equipment discount
  • A discount for full-time students
  • A senior or retiree discount
  • An infrequent driver discount

Whether you qualify for these or any other discounts through some providers, ensure that you focus your attention on all relevant points before you make a final buying decision.

Preparing for the Future

If you are currently a drinker or a smoker, you may not qualify for a nondrinker or non-smoker discount today. However, you could potentially improve your lifestyle over the course of the next few weeks.

Then, you can shop around for new car insurance rates a few months from now to determine if your improved lifestyle qualifies you for better rates on your auto coverage.

Compare auto insurance quotes today to find the coverage that’s right for you. Enter your ZIP code below to begin.