Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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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

UPDATED: Jul 19, 2021

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The Short of It

  • Safe driver auto insurance discounts vary from company to company
  • You can get a safe driving discount by remaining accident-free or taking a defensive driving course
  • Some telematics programs also offer discounts for safe driving habits

We all need auto insurance. It’s one of the constants of the universe. But since auto insurance coverage can be expensive, we’re constantly searching for ways to lower our rates. One such way to do that is with a safe driver auto insurance discount.

There are many ways that safe driving can lower your auto insurance rate. A few of the ways include avoiding accidents, telematics systems, and defensive driving courses. We’ll go over every one of these options so you can be informed.

Keep reading to learn what kinds of safe driver discounts there are, how to get a safe driver discount, and how much you can save. First, enter your ZIP code into our free comparison tool above to find affordable, safe driver auto insurance near you.

What kinds of auto insurance safe driving discounts are there?

There are several different kinds of auto insurance safe driving discounts offered by the top auto insurance companies.

The first and most obvious kind of safe driving discount comes from avoiding accidents. By simply avoiding accidents for a certain period, insurance companies will automatically provide you with a safe driving discount.

Second, there are safe driving auto insurance discounts for those with telematics installed in their cars or on their devices.

The telematics system monitors your driving behaviors such as braking and accelerating and determines a percentage discount based on how safely you drive. Participants in these programs can save anywhere between 5% and 30% on their rate.

Finally, you can enroll in and complete a defensive driving course (such as the AARP driver safety program) to earn a defensive driving course insurance discount. While these discounts aren’t huge, every little bit helps to lower your rate significantly.

Those who complete AARP’s driver safety course are entitled to a three-year AARP driver safety course insurance discount from certain states. Check with your insurance agent for more details.

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How can I get a safe driver auto insurance discount?

Wondering how to get a safe driver auto insurance discount? Well, as we mentioned earlier, if you are accident-free for about three years with your current provider, they will usually add a safe driving discount to your policy.

These discounts vary from company to company, but customers tend to save between 10% and 30% on their rate by stating accident-free. Therefore, it’s vital to compare safe driver auto insurance quotes to find the best discount.

If you have completed a defensive driving course or have been accident-free for three years and have not been given a discount, call your insurance provider and explain your situation. They’ll help you find out which deals you qualify for.

How much can I save with a safe driver auto insurance discount?

Discounts vary from company to company, so you’ll have to compare safe driver auto insurance rates from multiple companies to find the best deal.

Check out the table below to view the average annual auto insurance rates from top companies with a safe driver discount.

Average Annual Auto Insurance Rates with Safe Driver Discount
Top Auto Insurance CompaniesSafe Driver Auto Insurance DiscountAverage Annual Auto Insurance RatesAverage Annual Auto Insurance Rates After Safe Driver Discount is AppliedAverage Monthly Auto Insurance Rates After Safe Driver Discount is Applied
State Farm15%$3,268$2,778$232
American FamilyN/A$3,443$3,443$287
Liberty MutualN/A$6,096$6,096$508
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Now that you know how to get a safe driver auto insurance discount, start shopping for auto insurance today. Enter your ZIP code into our free comparison tool below to buy safe driver auto insurance from providers in your area.