How much is a Good Driver Discount?

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

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.

Enter your zip code above to get FREE car insurance quotes today!

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.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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.

Enter your zip code below to get FREE car insurance quotes today!

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption