Best Non-Smoker & Non-Drinker Auto Insurance Discounts in 2024 (Save up to 20% With These 10 Companies)
Find the best non-smoker and non-drinker auto insurance discounts to save up to 20% on your premium. While major insurers may not offer these discounts, smaller or regional companies often do. Compare rates, maintain a clean driving record, and explore multiple quotes to maximize your savings.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Sep 18, 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: Sep 18, 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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If you’re looking for the best non-smoker and non-drinker auto insurance discounts, it’s important to explore smaller or regional insurers. While national providers rarely offer these savings, you could lower your insurance rates by up to 20%.
By maintaining a clean driving record and providing proof of your non-smoking and non-drinking status, you could save on your premium. These discounts can add up, so be sure to compare rates from multiple companies to maximize your savings.
Keep an eye out for additional discounts that may further lower your costs. Enter your ZIP code to compare auto insurance quotes and find the best rates today.
Our Top 10 Picks: Best Non-Smoker & Non-Drinker Auto Insurance Discounts
| Discount | Rank | Savings Potential | Description |
|---|---|---|---|
| Healthy Lifestyle Discount | #1 | 20% | Non-smokers/non-drinkers qualify for significant savings |
| Safe Driver Discount | #2 | 15% | Maintain a clean driving record to earn lower premiums |
| Multi-Policy Discount | #3 | 15% | Bundle auto and home insurance for maximum discounts |
| Defensive Driving Course | #4 | 10% | Complete a defensive driving course to qualify for savings |
| Low Mileage Discount | #5 | 10% | Drive fewer miles to reduce your premium |
| Loyalty Discount | #6 | 10% | Save more by staying with the same insurer over time |
| Anti-Theft Device Discount | #7 | 10% | Install anti-theft devices to lower your insurance costs |
| Paperless Billing Discount | #8 | 5% | Go paperless to simplify billing & save on your premium |
| Automatic Payment Discount | #9 | 5% | Set up automatic payments to receive a small discount |
| New Vehicle Discount | #10 | 5% | Insure a new car to qualify for reduced rates |
- Save up to 20% with the best non-smoker and non-drinker auto insurance discounts
- Smaller or regional insurers offer exclusive non-smoker and non-drinker discounts
- Maintain a clean driving record to qualify for more savings on your premium
How to Qualify for Non-Smoker and Non-Drinker Auto Insurance Discounts
To qualify for non-smoker and non-drinker auto insurance discounts, you generally need to meet certain criteria set by the insurance company. While these auto insurance discounts aren’t common among large national insurers, many regional or smaller insurers may offer them. Here are some typical requirements:
Proof of Non-Smoking Status
When applying for a non-smoker discount, insurers often require a signed declaration that you do not smoke. This statement serves as a basic acknowledgment of your non-smoking status, but some companies may go further.
Certain insurers could request additional verification, such as a medical exam or a nicotine test, to confirm that you are indeed a non-smoker. In some cases, lifestyle questionnaires may be used to assess your habits and ensure the accuracy of your claim.
Proof of Non-Drinking Status
For the non-drinker discount, you may need to sign a similar declaration confirming that you do not consume alcohol. Some insurers, especially those offering more substantial discounts, may request more detailed proof, such as a medical test to verify alcohol levels or other indicators of non-drinking.
Questionnaires focused on your lifestyle habits may also be required to gauge your risk profile. These extra steps help the insurance company ensure that you qualify for the discount based on your behavior.
Driving Record
Your driving history is a crucial factor in qualifying for non-smoker and non-drinker discounts. Insurance companies will carefully review your record to ensure that it is free of alcohol-related offenses like DUIs or reckless driving.
A clean driving history not only boosts your eligibility for these discounts but also positions you as a low-risk driver, which could lead to additional savings on your policy. Any past violations could disqualify you from the discount or impact your overall insurance rates.
Policy Duration
Some insurers may stipulate that you maintain your non-smoking and non-drinking status for the entire length of your policy to keep your discount active. To ensure continued eligibility, they may conduct periodic checks, such as requiring updated declarations, medical tests, or how auto insurance companies check driving records at renewal.
Failing to meet these ongoing requirements could result in the loss of the discount or adjustments to your premium. It’s important to stay informed about your insurer’s specific terms to maintain your savings over time.
While non-smoker and non-drinker discounts aren’t universally offered, they can provide valuable savings with the right insurer. By meeting the necessary qualifications and maintaining a clean driving record, you can take advantage of these discounts and lower your auto insurance costs. Always compare multiple quotes to find the best deal.
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Why Some Insurance Companies Offer a Non-Smoker and Non-Drinker Discount
Several factors affect auto insurance rates, including driving history, age, and the vehicle itself. These factors combine to give the insurance company an idea of how much risk a driver presents. Two behaviors that can potentially result in dangerous driving conditions are smoking and drinking.
It’s illegal to drive drunk because alcohol can cause impaired judgment. It’s very difficult to get cheap car insurance after a DUI. Conversely, if you don’t drink at all, there is no risk of making a poor decision while getting behind the wheel impaired. This makes you a less risky driver to the insurance company.
| Insurance Company | Clean Record | One Ticket | One DUI | One Accident |
|---|---|---|---|---|
 | $180 | $240 | $190 | $250 |
 | $130 | $200 | $150 | $210 |
 | $170 | $230 | $180 | $240 |
 | $160 | $220 | $170 | $230 |
 | $140 | $210 | $155 | $220 |
When it comes to smoking, the biggest risk is distracted driving. Many smokers like to do so while driving, which poses a risk. It only takes a moment of taking your eyes off the road to cause an accident. For a smoker, this could occur while taking out and lighting a cigarette.
According to the Insurance Information Institute, distracted driving is the culprit in 8% of fatal car crashes, so it makes sense for some insurance companies to give non-smoking discounts.
Finding Insurance Discounts for Non-Smokers and Non-Drinkers
Major national insurance companies, such as Geico, State Farm, and Progressive, do not provide discounts for non-smokers or non-drinkers. To find a Progressive non-drinker discount or other insurance discount rates like this, you will need to explore options with smaller, local insurers.
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These insurers may offer specialized discounts, including those for non-smokers and non-drinkers, and could potentially offer an insurance type with the greatest coverage. Remember that insurance companies frequently do not list all available discounts on their homepage. Before committing to a policy, consider calling or using an online chat to inquire about any extra discounts.
Non-smoker and non-drinker discounts are small, but asking about all discounts and comparing options can lead to bigger savings. A tailored policy is more valuable than focusing on one discount.Brandon Frady Licensed Insurance Producer
There might be a non-drinker and non-smoker discount available that is not included among the company’s most popular insurance offers. This can help you get discount rates and find the best full coverage auto insurance. However, discounts shouldn’t be the only reason for choosing an insurance policy. Insurance companies offer discounts for a variety of reasons, so you’ll want to compare quotes to get the best rates possible.
Even if you come across a company providing a discount for non-smokers and non-drinkers, you might only see a reduction of 1% to 3% on your rates. While this can be a good start, it’s crucial to explore all available discounts to determine if the company offers the best car insurance coverage and the best type of insurance for your needs. Ensure you assess all options to find the best discount rates in insurance overall.
Lesser-Known Discounts for Non-Smokers and Non-Drinkers
Certain insurance providers might offer discounts for non-smokers and non-drinkers, but these discounts are generally not available with major national insurers. However, opting for a smaller regional or lesser-known national insurance company could yield discounts that aren’t available to smokers and drinkers.
When searching for the best rates, it’s essential to consider the three most important insurance types and explore options for the least expensive insurance coverage.
Your insurance policy decision shouldn’t solely hinge on one factor. Instead, explore various insurance companies and compare all available discount rates to secure the best rates for your policy. It’s crucial to consider the different types of discount rates offered and evaluate them against the most expensive type of insurance to ensure you get the best deal.
It’s possible — and perhaps even likely — that cheapest auto insurance companies won’t have a non-drinker or non-smoker discount.
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Explore Popular Progressive Non-Smoker and Non-Drinker Discounts
If you’re considering Progressive for your auto insurance, you’ll want to explore a comprehensive list of Progressive discounts to help lower your auto insurance premiums. Many ask, “Does Progressive have military discount options?”, and while this may vary, it’s worth inquiring. Additionally, enrolling in a Progressive insurance defensive driving course can help reduce costs.
It’s always good to confirm does Progressive offer defensive driving discounts for those who complete such courses. One of the key ways to save is through the Progressive continuous insurance discount, which rewards you for maintaining coverage without lapses. Wondering what discounts does Progressive offer for auto insurance beyond this?
You can look into options like the Progressive first responder discount and inquire more generally, what discounts does Progressive offer for a variety of drivers. If you’re looking for more savings, consider how to lower my car insurance with Progressive by leveraging options such as the Progressive defensive or good driving discount or Progressive discounts on rental cars if you’re renting vehicles regularly.
A Progressive quote is also a great starting point for exploring potential savings, and you might find some of the cheap auto insurance quotes competitive. Using their Progressive car insurance quote or Progressive auto quote tools can provide insights into how much you could save.
For students, there’s the student discount Progressive offers, while drivers with a clean record can benefit from the Progressive safe driver discount. Insuring multiple cars? You might also be eligible for the Progressive multi car discount, or for homeowners, the Progressive homeowners insurance discounts might provide additional savings through bundling.
Maximizing Your Auto Insurance Savings as a Non-Smoker and Non-Drinker
By seeking out regional insurers and maintaining a clean driving record, non-smokers and non-drinkers can unlock valuable auto insurance discounts. While these savings may not be widely advertised by major providers, exploring smaller companies can lead to premium reductions of up to 20%.
Make sure to compare multiple quotes with the best auto insurance companies, inquire about hidden discounts, and provide the necessary proof to take full advantage of these offers. Ultimately, a little research can go a long way in lowering your auto insurance costs while rewarding your healthy lifestyle. Start comparing quotes from the best companies in your state by entering your ZIP code into our free tool below.
Frequently Asked Questions
How can I qualify for a non-smoker and non-drinker auto insurance discount?
To qualify for this discount, you generally need to provide proof that you are a non-smoker and non-drinker. This can be done by signing a statement or questionnaire provided by your insurance company. Some companies may require additional verification, such as a medical examination or laboratory tests.
What is a non-smoker and non-drinker auto insurance discount?
A non-smoker and non-drinker auto insurance discount is a special offer provided by some companies, often included among the best auto insurance discounts for good drivers, rewarding individuals who do not smoke or consume alcohol. This discount typically lowers the premium on your auto insurance policy.
How much can I save with a non-smoker and non-drinker auto insurance discount?
The amount you can save with this discount varies depending on the insurance company and your specific policy. Generally, you can expect to receive a percentage discount off your premium, which can range from 5% to 15%. It’s best to check with your insurance provider to determine the exact savings you can expect.
Is the non-smoker and non-drinker auto insurance discount available with all insurance companies?
No, not all insurance companies offer this specific discount. It’s important to check with different insurance providers to see if they have this discount available and to compare rates and coverage options.
Can I still qualify for the non-smoker and non-drinker auto insurance discount if I quit smoking or drinking after purchasing my policy?
In most cases, yes. If you quit smoking or drinking after purchasing your policy, understanding your auto insurance policy is essential. You can contact your insurance provider and provide proof of your new non-smoker or non-drinker status. They may then apply the discount to your policy upon verification.
Will my non-smoker and non-drinker auto insurance discount continue indefinitely?
The duration of the discount can vary depending on the insurance company. Some companies may require periodic verification of your non-smoker and non-drinker status to continue receiving the discount. It’s important to review the terms and conditions of your policy or contact your insurance provider to understand the specific requirements.
What are hidden auto insurance discounts?
Hidden auto insurance discounts are lesser-known savings opportunities that are not always advertised by insurance companies. These can include discounts for having certain safety features in your vehicle, maintaining a good credit score, or being part of specific professional organizations. It’s important to ask your insurer directly about any hidden discounts you may qualify for.
How does the deductible savings bank work?
The deductible savings bank allows you to gradually reduce your auto insurance deductible over time by earning credit for safe driving. For every policy period you go without a claim, a certain amount is subtracted from your deductible. This can lead to significant savings in the event of an accident, as you’ll have a lower out-of-pocket expense.
What is small accident forgiveness?
Small accident forgiveness is a feature that allows you to avoid a rate increase after your first minor accident. As long as the accident meets certain conditions, like being below a specific dollar amount for damages, it won’t affect your premium or lead to a surcharge on your policy.
What is a one-time sign online discount?
A one-time sign online discount is a discount offered when you complete your insurance policy application or renewal entirely online. This discount typically applies only once but can help you save on your initial premium for using the digital option rather than speaking with an agent in person or over the phone. Enter your ZIP today using our free tool to get started on getting your auto insurance.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed 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.