Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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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 Auto Insurance Agent

UPDATED: Nov 17, 2021

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The Lowdown

  • Some of the best auto insurance companies for safe drivers include USAA, GEICO, and State Farm
  • Safe drivers pay less for auto insurance than drivers with even minor infractions on their record
  • Safe drivers can save money with safe driver discounts or using telematics or a usage-based insurance (UBI) program to track driving habits

Auto insurance can be expensive, even for safe drivers who get cheaper rates. That’s why you need to search for the most affordable auto insurance rates. 

To make it easier to buy auto insurance for safe drivers, we’ve listed some of the best auto insurance companies for safe drivers with affordable rates, excellent customer service, and additional savings opportunities.

Enter your ZIP code into our free quote comparison tool above to find an auto insurance company for safe drivers near you.

What are the best auto insurance companies for safe drivers?

Safe drivers are likely to find cheap auto insurance, especially compared to drivers with infractions on their driving record. However, some companies provide both cheap auto insurance and a policy with extras and options, too.

Below is a list of some of the best auto insurance companies for safe drivers:


USAA is known for providing affordable auto insurance for military members, veterans, and their family members. It has excellent customer service and a solid financial reputation.

USAA also provides discounts for drivers who have a clean driving record for at least five years.


GEICO is a popular auto insurance company with consistently affordable rates and a lot of discounts that allow for even more savings. So if you’re a safe driver but find yourself with a speeding ticket, GEICO is likely to offer cheaper rates than other companies.

If you have been accident-free for at least five years, you can get up to 26% off with GEICO’s Accident-Free Good Driver discount.

State Farm

State Farm‘s auto insurance rates for safe drivers are highly affordable. It also provides an extensive agent network to give you a personal contact when you need help with your policy.

State Farm’s accident-free discount requires you to be a customer for at least three years without claims, violations, speeding tickets, or other incidents that may increase your rates.


Nationwide offers affordable auto insurance for safe drivers and plenty of options to personalize your coverage. 

Nationwide’s usage-based insurance (UBI) and pay-per-mile programs allow you to get personalized coverage and rates based on your driving habits. So if you’re a safe driver but don’t have the best credit, you may still find cheaper rates with Nationwide.


Progressive provides reliable customer service and customizable policies. Its Name Your Price tool allows you to view policy options within your budget, and you can easily manage your policy online.

If you use Progressive’s usage-based insurance (UBI) program, you could save up to $130 every six months for safe driving.

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How much does auto insurance for safe drivers cost?

Let’s first look at the average rates for auto insurance by state:

Average Annual Auto Insurance Rates by State
StatesAverage Annual
Auto Insurance Rates
Average Annual
Collision Auto
Insurance Rates
Average Annual Liability Auto
Insurance Rates
Average Annual Full Coverage Auto
Insurance Rates
District of Columbia$233.24$468.67$628.09$1,330.73
New Hampshire$131.35$381.86$393.24$1,382.79
New Jersey$172.57$276.98$865.55$937.59
New Mexico$171.12$385.02$462.21$1,360.66
New York$136.08$293.59$784.98$789.09
North Carolina$231.04$244.09$357.59$773.30
North Dakota$121.61$269.84$282.55$788.56
Rhode Island$180.94$265.07$720.06$973.10
South Carolina$258.11$208.58$497.50$766.91
South Dakota$116.53$282.96$289.04$1,257.13
West Virginia$204.28$329.67$501.44$1,025.78
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While the table above can give you an idea of what you might pay for auto insurance, your driving record can make a big difference in your rates. The table below shows some sample rates by driving record:

Average Annual Auto Insurance Rates Based on Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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As you can see, a person with a clean driving record pays less for car insurance than drivers with even minor driving infractions.

What factors affect auto insurance rates?

While your driving record is a significant factor, other things can affect your rates just as much. For example, your location and the auto insurance company you choose..

Based on whether your neighborhood is at high-risk for auto theft, or if your insurance company calculates rates differently from another, your rates may go up or down.

Your age and gender can also affect your rates in most states. For example, men pay more for auto insurance, especially younger male drivers. The insurance company you choose will assess your risk level based on these demographics.

Another big factor is the vehicle you drive. If your car is brand new, you may have to pay more to insure it than if you purchase a moderately-valued vehicle.

In addition, if you finance your car, you will likely be required to buy full coverage, which will raise your rates.

What is a safe driver discount?

In general, drivers with a track record of driving safely earn a a safe driver discount. However, each auto insurance company has its own rules for how to earn the discount.

Many auto insurance companies require a clean driving record for a certain amount of time, usually three to five years. A clean driving record means  you don’t file any claims, have any accidents, or any infractions at all.

While the average discount amount is 10%, a safe driver program will likely earn you an even more significant percentage off your rates.

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How can safe drivers save on auto insurance?

Aside from a safe driver discount, auto insurance companies provide plenty of other discounts. For example, you can lower your rates by being a good student, paying your bill on time or in full, or bundling your auto insurance with other coverages.

Most auto insurance companies also give discounts to drivers who take a defensive driving class. You can also earn discounts by using telematics or a usage-based insurance (UBI) program.

These technologies track your driving to rate your driving habits. Many companies give a discount for signing up and then an additional discount based on your driving habits.

If can afford to pay higher out-of-pocket expenses, you may also want to consider increasing your deductible to decrease your rates.

Now that you’ve learned all about how to save as a safe driver, you can buy auto insurance with confidence.

The best way to get reasonable rates on auto insurance is to compare rates from multiple companies. Enter your ZIP code into our free quote comparison tool below to get auto insurance quotes for safe drivers.