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: Apr 9, 2020

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The lowdown...

  • Many car insurance companies offer discounts for drivers that remain accident and incident-free
  • Some insurance companies also offer accident-free discounts, which places more weight on not causing a car accident
  • If your car insurance company doesn’t have a good driver discount, you can look for a different company and policy with the help of a comprehensive auto insurance comparison tool

When is the last time you were in a car accident? If it’s been longer than three years, you may be eligible for a good driver discount on your auto insurance.

If your current insurance carrier doesn’t offer good driver discounts, or won’t give you the discount, you can always use our auto insurance comparison tool to find a less expensive insurance policy that offers discounts to good drivers.

What is a good driver discount?


A good driver discount, in its most basic form, is a discount for remaining accident and incident-free.

The discount is linked to how long it’s been since you got your last speeding ticket or minor driving violation and/or your last car accident.

Most insurance companies will offer the discount after 36 months of good driving.

In addition to the good driver discount, you may have heard of the accident-free discount.

The accident-free discount is similar to the good driver discount, except it only takes into consideration the number of collisions you have been involved in and how long it’s been since your last collision.

This discount typically starts after 36 months.

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Do all states and insurance companies offer a good driver discount?

The good driver discount will depend on your state’s rules and regulations regarding car insurance and car insurance discounts.

Thankfully, most states provide their residents with comprehensive car insurance guides that explain the different types of auto insurance as well as various discounts and ways to save money. These states include:

How much can I expect to save with the good driver discount if I am eligible?


According to Consumer Watchdog, you can expect to save as much as 20 percent on your car insurance premiums with a good driver discount.

For an individual that pays $600 every six months, the discount would save them a total of $120, or $20 per month.

In general, you must have the following prerequisites:

  • held a valid driver’s license and car insurance for the last three years
  • not have caused any accidents or been the at-fault driver in a car accident
  • not have been pulled over for driving recklessly or while under the influence of any type of medications or illicit substance

How do I apply for the good driver discount?

Once you’ve determined that you are eligible, all you have to do is call your current insurance agent and ask if they can add the discount to your current car insurance policy.

They will check your driving history and the length of time you’ve been a driver. If the carrier offers the discount and you are determined to be eligible by your agent, you should get the discount.

In some instances, you may not be eligible for the discount, or the insurance carrier may not offer the discount. When this happens, it is best to start shopping around for another insurance carrier and a different policy.

A comparison tool has the ability to sort through your information and all the available car insurance policies in your local area.

Once the best policies have been found, the results will be displayed for you. Then, all you have to do is read through each policy to determine if it meets your needs and if the carrier offers good driver discounts.

Then, choose and purchase your policy. It’s fast and free. Enter your  zip code right here to begin.