How much is a Good Driver Discount?

How much a good driver discount is depends on your car insurance company. Because good drivers qualify for the "preferred risk" category, a good driver discount can save you up to 20 percent off your premiums. Even if you don't have a flawless driving record, you can still find affordable coverage when you comparison shop online. Enter your ZIP code below to get free and cheap auto insurance quotes online.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Dec 2, 2020

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In a nutshell...

  • Good drivers fall into a “preferred risk” category
  • Factors such as the type of car insured and how the vehicle will be used play a big role in car insurance rates
  • Parking tickets do not impact you being a good driver, only moving violations

The good driver discount is one of the most common car insurance discounts and can often save people up to 20 percent or more on car insurance premiums but who is a good driver?

Drivers convicted of driving under the influence have a long history of car accidents, reckless traffic citations or under an SR-22 form filing requirement are an obviously higher risk than drivers with a clean driving record.

But what about young drivers with no car accidents or mature drivers who merely never had car insurance for a couple of years?

To understand the good driver discount, you should realize what a good driver is according to car insurance companies.

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Who is a good driver?

Good drivers fall into a “preferred risk” category by car insurance companies and do have a formal profile most auto insurers use.

The key characteristics of a good driver profile will meet all of these factors:

  • Aged 25 or over and licensed for at least 5 years
  • A clean driving record for at least three years:  this means no accidents or moving violations for at least 36 months
  • Good credit:  good credit score above the national average
  • Good citizen: drivers without a conviction for vehicle-related crimes
  • Defensive driver course: although this discount may only be applied if the course is on the approved list of courses by the car insurance company

If your profile contains all five of these items, then you will have access to the best car insurance rates.

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About The Good Driver Discount

Car insurance premiums are based on the risk of you filing a future claim, and if you fall into the preferred risk level, then car insurance companies will extend a discount that can be up to 20 percent or more in some cases.

If you have a high-risk profile, however, you may see much higher premiums or denied insurance altogether.

How much is the good driver discount?

Your car insurance premiums are based primarily on the type of car insured, your driving record and how much the vehicle will be used.

Other factors include where you live, how many drivers are in the household and others.

It’s important to note that if you lose this “preferred risk” status however it will be hard to switch car insurance companies and get anything less than standard car insurance rates.

Try to keep a good driving record and comply with traffic laws at all times.

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