Best Auto Insurance for Good Drivers in 2024 (Top 10 Companies Ranked)
Amica Mutual, Progressive, and Geico have the best auto insurance for good drivers. Young drivers without accidents can find low rates with Geico for $40 per month. Progressive has the biggest safe driver discount of 30% for good drivers. Compare our top companies to find the best auto insurance for good drivers.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 21, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsAmica Mutual, Progressive, and Geico have the best auto insurance for good drivers because they offer generous good driver car insurance discounts and solid UBI programs.
While several companies offer good auto insurance discounts for good drivers, Amica takes our top spot for its excellent customer service, coverage options, and dividend payouts.
Our Top 10 Company Picks: Best Auto Insurance for Good Drivers
| Company | Rank | Good Driver Discount | Multi-Policy Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | 10% - 20% | Package Options | Amica |
 | #2 | 12% - 20% | 5%- 15% | Customizable Premiums | Progressive |
 | #3 | 10% - 30% | 8% -, 25% | Affordability Option | Geico |
 | #4 | 10%- 25% | 7% - 20% | Young Drivers | State Farm |
 | #5 | 10% - 30% | 5% - 25% | Worker Discounts | Farmers |
 | #6 | 15% - 25% | 10% - 22% | Flexible Policies | Nationwide |
 | #7 | 20% | 12% - 20% | Usage-Based | Allstate |
 | #8 | 10% - 28% | 6% - 18% | Military Members | USAA |
 | #9 | 20% - 25% | 15% - 20% | Comprehensive Coverage | Erie |
 | #10 | 15% - 20% | 10% | Senior Drivers | The Hartford |
Explore your options for the best auto insurance for good drivers below. Then, compare rates to find the cheapest coverage by entering your ZIP code into our free comparison tool above.
- Most companies offer a discount for safe drivers with clean records
- Good drivers can save up to 30% on their insurance, but savings vary by company
- Amica Mutual and Progressive offer the best auto insurance for good drivers
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#1 – Amica Mutual: Top Overall Pick
Pros
- Safe Driver Discounts: Among its many discounts, Amica Mutual offers savings of up to 25% for safe drivers. Learn more about your discount options in our review of Amica auto insurance.
- Competitive Rates: While it’s not usually the cheapest option, Amica Mutual usually offers affordable car insurance rates.
- Dividend Payouts: As a mutual company, Amica offers dividend payouts to eligible policyholders when it does financially well.
Cons
- Higher Rates for Bad Credit: Although Amica Mutual’s rates are usually competitive, you’ll probably find lower prices at another company if your credit score is low.
- Limited Availability: Residents of Hawaii will need to look somewhere else for their insurance because Amica Mutual doesn’t sell there. You’ll also need to check with a representative, as some coverage types aren’t available everywhere.
#2 – Progressive: Best for Usage-Based Insurance Savings
Pros
- Name Your Price tool: The Name Your Price tool allows you to enter your monthly budget to see what type of coverage Progressive can offer you.
- Snapshot: Snapshot is Progressive’s usage-based insurance program that monitors your driving behaviors. Snapshot is a great option for safe drivers looking for cheap usage-based auto insurance.
- Ample Discounts: Progressive offers a variety of discounts to help you save. Aside from a safe driver auto insurance discount, Progressive offers savings for good students and paying for your policy in full.
Cons
- Rates Increase Unexpectedly: Many customers report that their rates increased after their first policy period, even if they had no accidents or speeding tickets.
- Low Customer Loyalty: Despite being affordable, Progressive struggles to maintain customer loyalty. Our complete Progressive review goes over Progressive’s efforts to improve its customer loyalty in more detail.
#3 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico is often one of the cheapest car insurance companies, no matter where you live. Learn how Geico keeps its rates low in our Geico auto insurance review.
- Convenient Online Tools: If you’re looking for a digital insurance experience, Geico might be your best choice. Geico offers some of the best auto insurance for safe drivers by providing robust digital tools.
- Excellent Discounts: It’s easy to save with Geico’s discount options. From defensive driving discounts to savings for remaining claims free, there are plenty of ways for safe drivers to save.
Cons
- Billing Issues: Most customers are satisfied with their Geico policies, but some report issues with the billing department.
- Discount Availability Varies: While Geico offers plenty of discounts, you’ll have to check what’s available in your state.
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#4 – State Farm: Best Safe Driver Discount
Pros
- Safe Driver Discount: Most companies offer a discount for being a safe driver, but State Farm offers one of the largest. Save up to 30% by remaining accident and traffic-violation-free.
- Drive Safe and Save Program: State Farm offers some of the best auto insurance for new drivers with the Drive Safe and Save UBI program.
- Extensive Network of Agents: State Farm focuses on selling insurance through local agents, so it’s easy to find help when you need it.
Cons
- Rates Can Be High: State Farm shines as an option for good driver auto insurance, but rates are not always the cheapest option.
- Claims Processing Can Be Slow: Some State Farm customers report that the claims process is occasionally slow.
#5 – Farmers: Best Discount Availability
Pros
- Huge Selection of Discounts: Farmers offers a whopping 23 ways to save, including auto insurance discounts for good drivers. Read our review of Farmers insurance to see more discount opportunities.
- Signal App: Save up to 30% on your policy by signing up and downloading Farmers’ Signal app. The Signal app tracks your driving habits, including hard braking and speeding.
- Strong Financial Stability: Farmers has a rating of A from A.M. Best, which means you won’t have to worry about your claims going unpaid.
Cons
- Average Claims Satisfaction: Although it generally gets good reviews, Farmers has average claims satisfaction ratings.
- Lacks Online Options: Farmers Insurance lacks some of the online options for managing your policy compared with some of its competitors.
#6 – Nationwide: Best for Deductible Savings
Pros
- SmartRide: Nationwide offers savings of up to 40% to safe drivers who sign up for the SmartRide program. See if SmartRide is the right UBI program for you in our Nationwide auto insurance review.
- Vanishing Deductible Program: The Vanishing Deductible program is an excellent option for the best auto insurance for low-risk drivers. You’ll save $100 on your deductible every year you don’t file a claim, up to $500.
- Wide Range of Coverage Options: Nationwide offers a variety of coverage options so you can customize your policy. Popular options include roadside assistance, gap, and rideshare insurance.
Cons
- Limited Local Agents: Finding an agent can be difficult in certain areas, meaning it can be a challenge to find face-to-face help.
- Average Rates: Nationwide is usually affordable, but you’ll see much higher rates if you have a DUI. However, Nationwide is one of the best auto insurance companies for women and men with clean driving records.
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#7 – Allstate: Best Safe Driver Cash Rewards
Pros
- Drivewise and Milewise: Save up to 40% with Allstate’s UBI program, Drivewise. Allstate also offers some of the best auto insurance for low-mileage drivers with its program, Milewise.
- Safe Driver Bonus Program: Allstate is one of the few auto insurance companies that offer cash back to safe drivers through its Safe Driver Bonus program.
- Full Coverage Options: Allstate offers a variety of customization options aside from basic coverage. Explore your coverage options in our review of Allstate auto insurance.
Cons
- Higher Rates: Unfortunately, Allstate is not one of the cheapest auto insurance companies. It tends to be one of the most expensive options, no matter which state you live in.
- Limited Online Options: Despite being one of the largest insurance providers in the country, you’ll have to speak with an agent to purchase an Allstate policy.
#8 – USAA: Best for Military Families
Pros
- Military-Specific Discounts and Programs: USAA offers special incentives and insurance options for military members and their families.
- Safe Driver Savings: From defensive driving insurance discounts to savings for safe drivers, USAA has plenty of ways to save on your coverage.
- Affordable Rates: No matter where you live, USAA almost always has the cheapest insurance for good drivers. See how USAA keeps its rates so low in our USAA auto insurance review.
Cons
- Membership Requirements: Not everyone can purchase coverage from USAA. Only active or retired military members and their families are eligible for coverage.
- No Gap Insurance: USAA offers a variety of coverage options, but it does not currently sell gap insurance.
#9 – Erie Insurance: Best for Personalized Service
Pros
- Low Rates: Erie has some of the best auto insurance for young drivers in particular by offering affordable coverage.
- Excellent Customer Service: Part of the reason Erie offers such excellent good driver car insurance is by maintaining excellent customer service ratings.
- Generous Discounts: While it doesn’t have as many as other providers, Erie has a solid list of discounts to help drivers save.
Cons
- Limited Availability: Erie Insurance only sells car insurance in 12 states. See if you can purchase a policy in your state in our Erie auto insurance review.
- Few Online Tools: Erie offers a more traditional insurance experience by relying on local agents instead of digital tools.
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#10 – The Hartford: Best Coverage for Older Drivers
Pros
- Solid Discounts: Wondering how to get a defensive driver discount? The Hartford offers plenty of savings for safe drivers.
- Specialized Coverage for Older Drivers: The Hartford sells insurance for everyone, but it specializes in coverage for older drivers. Learn how The Hartford and AARP work together in our The Hartford auto insurance review.
- Excellent Customer Service: The Hartford has a reputation for excellence in customer service.
Cons
- Higher Rates Than Some Competitors: While it’s not the most expensive car insurance option, The Hartford typically isn’t the cheapest either.
- Average Claims Satisfaction: When it comes to the claims resolution process, The Hartford only has average satisfaction ratings.
How Driving Record Impacts Auto Insurance Rates
There are several factors that affect auto insurance rates, but one of the most important is your driving record. Having an at-fault accident on your record can increase your rates dramatically, as seen in the table below.
Auto Insurance Monthly Rates by Age, Gender & Driving Record
| Age & Gender | Clean Record | One Accident | At-Fault Accident |
|---|---|---|---|
| 16-Year-Old Female | $566 | $695 | $817 |
| 16-Year-Old Male | $618 | $759 | $893 |
| 20-Year-Old Female | $213 | $262 | $308 |
| 20-Year-Old Male | $233 | $285 | $335 |
| 30-Year-Old Female | $128 | $157 | $185 |
| 30-Year-Old Male | $139 | $170 | $200 |
| 40-Year-Old Female | $119 | $146 | $172 |
| 40-Year-Old Male | $119 | $146 | $172 |
| 50-Year-Old Female | $111 | $135 | $159 |
| 50-Year-Old Male | $110 | $135 | $159 |
As you can see, rates change significantly after an accident or traffic violation. Understanding your claims history can help you find the most affordable coverage, which you can do by learning how to check your auto insurance claims history.
Although rates increase when you have marks on your driving record, you won't pay higher prices forever. Most accidents and traffic violations fall off your record after a year or more, depending on where you live.Brandon Frady Licensed Insurance Producer
Your driving record is another reason why it’s vital to compare quotes with multiple companies. Insurance companies use different formulas when deciding how much to charge for coverage. Although they all tend to look at the same factors, companies place a different emphasis on each factor. Comparing quotes from different companies is the only way to ensure you’re getting the lowest rates for your unique circumstances.
List of Safe Driver Auto Insurance Discounts
When you’re trying to figure out how to get a good driver auto insurance discount, you might be surprised by your options. Most companies offer more than just a safe driver discount – check below to explore your options.
Usage-Based Auto Insurance Discounts by Provider
| Insurance Discount | Potential Savings |
|---|---|
| Accident-Free | 15% |
| Claim-Free | 20% |
| Continuous Coverage | 10% |
| Defensive Driver | 15% |
| Drivers Education | 10% |
| Passive Restraint | 10% |
| Safe Driver | 20% |
| Usage-Based | 30% |
Although there are a ton of options for safe drivers, not every discount will be available at every company. Make sure to check with a representative or read the company reviews above to see which discounts are available.
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More Ways to Save Money on Good Driver Auto Insurance
Discounts are a great place to start for safe drivers to save on their insurance, but it’s not the only opportunity you have. You can also sign up for a usage-based insurance (UBI) program.
UBI programs use a tracking device to monitor your driving habits, like speeding, hard braking, and the time of day you drive. The better your drive, the more you typically save. For example, you can save up to 40% with Allstate’s Drivewise. You can learn more about how to save with Allstate’s UBI program in our Allstate Drivewise review.
However, UBI programs vary by company. Check below to see the maximum UBI discount offered by some of the top insurance companies.
Top Company UBI Discounts for Good Drivers
| Insurance Company | UBI Program | Maximum Discount |
|---|---|---|
| AAA | AAA Drive | 25% |
| Allstate | Drivewise | 40% |
| Amica | StreetSmart | 20% |
| Erie | YourTurn | $10 every 2 weeks |
| Farmers | Signal | 15% |
| Geico | DriveEasy | 25% |
| Liberty Mutual | RightTrack | 30% |
| Mapfre | SmartMotion | 20% |
| Metromile | Metromile | 47% |
| Nationwide | SmartRide | 40% |
| Progressive | Snapshot | 30% |
| Root Insurance | Root Insurance | 30% |
| Safeco | RightTrack | 30% |
| State Farm | Drive Safe & Save | 30% |
| StateAuto | Safety 360 | 10% |
| The Hartford | TrueLane | 25% |
| Travelers | IntelliDrive | 20% |
| USAA | SafePilot | 30% |
Signing up for a UBI program is a great way to save on your insurance, but you should make sure it’s the right fit before you enroll. You’ll only earn a discount by practicing safe driving habits, and in some cases, you can see your rates increase if you’re not safe enough.
How to Lower Auto Insurance Rates After a Claim
While it’s always helpful to know what a good auto insurance score is or tricks to keep your rates down, there are a few foolproof ways to lower your coverage prices after filing a claim. If you need to lower your rates, try the following:
- Lower your coverage. While it’ll leave your vehicle at risk, you can lower your coverage to lower your rates.
- Increase your deductible. Your deductible is the portion you pay when you file a claim. If you choose a larger deductible, your monthly rates will be lower.
- Find other discounts. Safe driver discounts aren’t the only way to save. Most companies offer savings for a variety of reasons.
- Compare rates. One of the easiest ways to save is to compare rates with as many companies as possible.
Comparing quotes is essential to finding affordable rates:
Auto Insurance for Good Drivers: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $50 | $120 |
| Amica | $55 | $125 |
| Erie | $45 | $110 |
| Farmers | $60 | $130 |
| Geico | $40 | $100 |
| Nationwide | $48 | $115 |
| Progressive | $42 | $105 |
| State Farm | $48 | $115 |
| The Hartford | $52 | $125 |
| USAA | $45 | $110 |
You can use our comparison tool to get quick quotes from multiple companies at once by entering your ZIP code below.
Of course, keeping your driving record clean is another simple way to keep your rates low. See how auto insurance companies check driving records here to learn how it might impact your rates.
Bottom Line on the Best Auto Insurance for Good Drivers
Whether you take a defensive driver course online or maintain a clean driving record, there are plenty of ways to get a safe driver discount.
Our top picks for the best auto insurance for good drivers are Amica Mutual, Progressive, and State Farm.
Read More: Cheap Auto Insurance for a Bad Driving Record
However, you should always compare rates with as many companies as possible. Enter your ZIP code below into our free comparison tool to see what you might pay in your area.
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Frequently Asked Questions
Which company has the best auto insurance rates for good drivers?
The amount you pay for insurance depends on a variety of factors, but we find that Amica Mutual has the best auto insurance for good drivers.
Which is the most popular auto insurance company for good drivers?
Amica Mutual is a popular choice for good drivers because it pays dividends to eligible policyholders. Another popular choice is Progressive, particularly for its budgeting tools. You can check personalized quotes by entering your ZIP code into our free comparison tool above.
What is a good credit score for auto insurance?
A good credit score for auto insurance is anything higher than 670. For the lowest rates, you’ll need 740. If your score is lower, you can find affordable coverage with the best auto insurance companies for drivers with bad credit.
Which insurance company has the highest customer satisfaction?
Companies that enjoy high levels of customer satisfaction include Amica Mutual, Progressive, and USAA.
Which is cheaper for good drivers, Geico or Progressive?
Geico tends to be the cheaper option for car insurance in most states, but make sure to compare rates. Depending on where you live and what type of driver you are, Progressive might be the cheaper choice.
What makes auto insurance expensive?
Many factors impact your insurance rates, but one of the most important is your driving record. Having at-fault accidents, speeding tickets, or DUIs will dramatically increase your rates. However, the cost of coverage is always worth it because driving without insurance can have serious consequences.
Is Allstate or Geico more expensive for safe drivers?
Allstate is usually more expensive for safe drivers as it has some of the highest rates on the market. On the other hand, Geico is usually one of the cheapest options.
Which is better for good drivers, Liberty Mutual or Progressive?
Progressive offers better auto insurance for good drivers because it has excellent discounts, affordable rates, budgeting tools, and ample coverage options.
What is the cheapest full coverage auto insurance for good drivers?
The cheapest full coverage auto insurance depends on a variety of factors, but USAA, Geico, and Progressive tend to be the cheapest overall options. You can find the cheapest rates specific to you by entering your ZIP code into our free comparison tool above.
Does credit score affect auto insurance for good drivers?
Unless you live in one of the states that prohibits the practice, your credit score plays an important role in your insurance rates. The lower your score is, the more you’ll pay for insurance.
How do safe driver discounts work?
Every company is different, but safe driver discounts typically reward drivers after they’ve spent a specific amount of time without filing a claim or getting into an accident.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.