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: May 24, 2020

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Here's what you need to know...

  • The safe driver discount is one of the more common auto insurance discounts offered by providers
  • Because of different qualifications for the discount, you may qualify for it with some providers and not with others
  • Improving your driving safety habits may help you to qualify for this discount in the future
  • Some drivers have gotten up to a 45% discount for safe driving with Allstate
  • Some providers offer more than two dozen unique discounts, so drivers can save a substantial amount of money by comparing the coverage options available


Buying car insurance is a necessity for most drivers, and this is because coverage is required by law in most states. However, the cost of an insurance premium can be burdensome on some budgets, and you may be looking for great ways to save money on this expense. Many insurance providers offer a wide range of discounts to drivers, and the safe driver discount is one of the more common discounts that you may find as you shop around and compare coverage options.

Many insurance providers offer a wide range of discounts to drivers, and the safe driver discount is one of the more common discounts that you may find as you shop around and compare coverage options.

At first glance, the safe driver discount may appear to be self-explanatory. However, there are various forms of this discount that each have unique requirements for different providers. By learning more about the options, you may be able to more easily find a great rate on your auto insurance policy.

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Table of Contents

Understanding the Safe Driver Discount

The safe driver discount is a financial incentive that some providers give drivers to encourage good driving behavior and to reward those who stay out of trouble on the road. The insurance discount is provided by most providers in some fashion, but the actual requirements to qualify for the discount varies from provider to provider.

Therefore, you may qualify for the discount with some providers and not with others, and you may need to shop around in order to find a provider whose discount you qualify for.

Determining How the Discount Saves You Money

You may be wondering how the safe driver discount can save you money on your premium. This discount, as is the case with most auto insurance discounts, results in an immediate reduction of your premium.

Whether you pay your premium in full or on a monthly basis, you will notice savings with each payment you make.

Some providers issue a flat rate discount for safe driving, and others have a percentage-based discount.

The unique differences regarding how the qualification is calculated to create different levels of savings for drivers to enjoy. If you want to maximize the savings available from this discount, you will need to spend time exploring the terms of the discount with various leading providers.

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Exploring the Qualifications for the Safe Driver Discount

The safe driver discount may be called other names by different providers, and this may signal a unique qualification requirement for the discount. For example, some providers offer a claims-free discount if you do not have any accidents on your driving record within the last few years.

In some cases, these providers may issue the discount to save you money even if you have a traffic violation on your driving history. Some providers may take into consideration accidents and traffic violations when issuing this discount.

To qualify for some discounts, you may need to have a spotless record, but other providers may offer more leniency and overlook one or two issues on your record. In the event your driving or claims history changes, you may no longer qualify for this discount, and you may notice that your premium increases as a result.

An alternative to the safe driver discount is the discount for taking a defensive driving course. Some auto insurance providers may offer a substantial discount to drivers who have recently taken this course, but you may need to take it again every year or two in order to continue enjoying the savings on your premium.

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Improving Your Driving Behavior

For some drivers, it can seem challenging to establish a safe driving record and a claims-free status, but other drivers have an unblemished record for years or even decades. While some accidents may be unavoidable, the reality is that you can take numerous steps to improve your driving behavior.

By doing so, you may be able to eliminate traffic violations and reduce the number and severity of accidents. These are a few excellent driving tips to follow:

  • Avoid distracted driving behavior, such as talking on a cell phone or eating while driving.
  • When possible, avoid driving when road conditions are bad. You can plan your trips ahead of time to stay off of the roads while conditions or bad.
  • Always obey the posted speed limit signs by driving at or below the posted limit. Give yourself plenty of time to get to your destination so that you are not motivated to speed.
  • Wear your seatbelt, and ensure that everyone in the car is properly secured before driving.
  • Avoid driving when you are feeling emotional or upset.
  • Keep your vehicle properly maintained at all times.
  • Take a defensive driving course.

Finding Providers Who Offer the Safe Driver Discount

Even if you have an accident or traffic violation on your current record, you may still qualify for the safe driver discount with some providers. You will need to shop around to learn more about the unique qualifications and requirements each driver has for this requirement in order to find the provider who offers the best rate when this and other discounts are taken into account.

Determining the Best Providers to Buy Coverage From

Because so many car insurance providers offer this discount in various forms, you may not have time or energy to request rates from all of them. A smart idea is to pick the top few providers who offer this rate.

You can easily research a provider’s financial strength through online research, and you can also read consumer reviews to learn more about their customer satisfaction rating. Use the Internet to quickly and easily request quotes from these providers.

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Getting the Best Deal on Car Insurance

Remember that the safe driver discount is only one of several discounts available to help drivers save money on their premiums. In fact, some car insurance providers offer one or two dozen different discounts, and the combined savings available to drivers who qualify for multiple discounts can be significant.

While it is important to shop around to find providers who offer this discount, you should also pay attention to other discounts available if you want to get the best deal on your coverage. Make sure to use our FREE insurance comparison tool below to compare rates for today!