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 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

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.

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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

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.

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

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

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

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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