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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Sep 29, 2021

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The Short of It

  • Most car insurance companies offer rewards to drivers who don’t get tickets or get into accidents
  • Common car insurance discounts for safe driving include car insurance refunds, car insurance deductible rewards, and defensive driving discounts
  • You could earn up to 30% for safe driving habits with certain companies

If you’ve been driving without any incidents, you might wonder if there are any auto insurance companies that give rewards for no accidents. Car insurance coverages can be cheaper with the right discounts.

Figuring out which companies have the discounts you need can be tough. We’ll help highlight common car insurance discounts for good drivers, how to save on insurance, and more.

Soon, you’ll know about plenty of auto insurance companies that give rewards for no accidents. Until then, enter your ZIP code to get instant quotes from top car insurance companies near you.

Auto Insurance Discounts for Good Drivers

There are many auto insurance discounts available, with some being more substantial than others. Discount car insurance can be available by having specific features on your vehicle or for being associated with a school or business.

While these are great, you can’t always control which business decides to employ you or which school you attend. You can, however, make good decisions while driving to eventually earn a discount with the right company.

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There are a handful of car insurance rewards for good drivers depending on which insurance company you’re with. The Insurance Information Institute recommends stacking discounts to save the most money.

Which auto insurance companies offer discounts for safe driving?

The most common discount for safe driving is available after you’ve taken a defensive driving course. In short, you’ll spend a day or two reviewing safe driving practices and are rewarded with a discount of up to 20% off.

Be aware, there are many defensive driving courses online that won’t qualify you for the defensive driver’s discount, so be sure your insurance company approves the course beforehand.

Some car insurance companies that offer a defensive driving discount are included in the table below.

Driver's Education Discounts by Car Insurance Company
Insurance CompanyDriver's Ed Discount (%)
21st Century-
American Family-
Country Financial10%
Liberty Mutual10%
Safe Auto10%
State Farm15%
The General8%
The Hanover5%
The Hartford3%
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While the defensive driver discount is likely the most common, it isn’t the only discount available for good drivers. Some car insurance companies offer discounts for good driving performance which can be measured by a device on your vehicle.

For example, State Farm offers a Drive Safe and Save incentive to car insurance policyholders. If your driving habits are consistently safe, you’ll be eligible for up to a 30% discount.

Similarly, Liberty Mutual has a RightTrack program that offers the same potential discount for good driving habits. Both companies look at distance, acceleration, and braking, amongst other things.

Allstate offers a more unique discount for safe driving. As a policyholder, you could be eligible for a safe driver’s bonus refund. In short, if you have no infractions or accidents at the end of your policy term, you’ll earn a car insurance refund.

Allstate also allows drivers to choose deductible rewards for safe driving. You can earn $100 off your collision deductible each year you drive without any incidents.

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Auto Insurance Rewards for No Accidents: The Bottom Line

Overall, there are very few car insurance companies that don’t give rewards for no accidents. You’ll want to ask your car insurance provider what types of discounts they offer to learn more.

We hope you enjoyed learning more about auto insurance companies that give rewards for no accidents. Before you go, be sure to enter your ZIP code for free quotes from top insurers near you.