If you’re a safe and conscientious driver, you should definitely be rewarded for playing by the rules and helping keep yourself and others on the road safe. That’s why we’ve put together this listing of the top 3 auto insurance companies for good drivers.

While nearly every major auto insurer offers some kind of discount for safe drivers, some are considered better than others. Of course, what your premiums are and the discounts you are eligible for will vary, depending on your driving history, what you drive, your age and marital status, how far and for what purpose you drive, your credit history and other factors.

  • USAA – Current and honorably discharged members of the U.S. Armed Forces and their families already know about USAA, and how much of a great deal they can get with this company’s full line of insurance products. But if you’re a good driver, you can save even more. Just be sure that you maintain a good driving record for more than five years. The Premier Driver Discount for good drivers is not available in Hawaii, North Carolina and New York. Other discounts on top of good driver discount from USAA include multiple products, loyal member, family discount, discount for vehicles three years old or newer, low annual mileage, multiple vehicles, and more. Go on their website or call 1-800-531-USAA (8722).
  • Allstate – Their slogan is, “You’re in good hands with Allstate,” and the variety and number of discounts Allstate offers to good drivers proves it. The Premier Plus discount rewards the safest drivers, those who have been licensed for three continuous years and haven’t had any accidents or violations in the past five years (may vary by state). There’s also Premier discount for no accidents/violations for the past three years. Allstate’s website says that safe drivers can save 45 percent or more on their car insurance. There is also multiple policy discount, multi-car discount, vehicle equipment discounts (passive restraints, anti-theft devices, anti-lock brakes), early signing, good student, and more. Go online for a quote or call 1-866-621-6900.
  • State Farm – Check out the discounts available to eligible good drivers by state offered by State Farm auto insurance. In California, for example, State Farm offers a California good driver discount, as well as a State Farm Drive Safe & Save program. Other discounts that may apply to good drivers include multiple automobiles discount, multiple line discount, vehicle safety discount, loyalty discount, and more. State Farm auto insurance discounts in Texas include good driver discount, Drive Safe & Save program, Steer Clear Safe Driver discount, vehicle safety discount, multiple line and multiple policy discount, loyalty discount, and more. Go to the State Farm website to check out how you can save.

Remember, if you are a good driver, you can probably save money on your annual premiums from these top 3 auto insurance companies for good drivers. If you have had an at-fault accident or tickets in your recent past, work on maintaining a good driving record so that you can benefit in the future from valuable discounts for good drivers.

In addition, good drivers who are already insured but haven’t yet taken advantage of available good driver discounts should definitely look into obtaining this money-saving benefit.

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