Best Car Insurance for Good Drivers (2024)

Auto-Owners, Travelers, and State Farm have some of the lowest rates and best customer service for drivers with good records.

Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated November 21, 2024

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Cheapest recent rates

Insurify’s drivers have found rates ranging from $34/mo. to $119/mo. in the last few days

*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you’re a good driver, good news: You’ll probably spend a lot less on car insurance than most people. The best car insurance companies often reward drivers with accident- and claims-free histories with the lowest rates they offer. Many companies also offer apps or telematics-based devices that track your driving so you can prove your skills to your insurer in exchange for lower rates.[1]

Here’s what you should know about the best car insurance for good drivers.

Quick Facts
  • Many auto insurance companies offer discounts specifically for people with good driving records.

  • COUNTRY Financial offers the cheapest car insurance for good drivers, at an average of $16 per month.

  • Even with a good driving record, comparing quotes from multiple insurers is the best way to find a policy that meets your budget and needs.

Cheapest car insurance companies for good drivers

If you have a good driving record, you’ll want to check out COUNTRY Financial for cheap car insurance. This company’s average full-coverage policy costs $38 per month. Here are some other insurers that offer cheap car insurance for good drivers.

The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT
Insurance Company
Average Quote: Liability Only
Average Quote: Full Coverage
COUNTRY Financial$16$38
NJM$29$53
Auto-Owners$34$73
USAA$45$99
Erie$50$93
GEICO$54$119
State Farm$54$119
Mile Auto$56$95
Root$60$103
Allstate$61$133
Metromile$63$113
American Family$73$161
Mercury$82$162
Safeco$82$143
Nationwide$83$182
CSAA$84$128
National General$86$171
Travelers$89$191
Dairyland$91$236
State Auto$93$198
The Hartford$95$171
Direct Auto$97$187
Progressive$98$152
Clearcover$102$183
Commonwealth Casualty$110$293
Chubb$110$232
Farmers$110$241
Shelter$111$210
The General$112$231
21st Century$112$238
Foremost$117$266
Bristol West$118$255
Elephant$124$200
GAINSCO$125$279
Amica$151$279
Liberty Mutual$159$258
AssuranceAmerica$163$271
Infinity$181$255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance for good drivers

Here’s a closer look at some of Insurify’s top picks for insurers that reward good drivers. We looked at rates, discounts, financial strength, and customer satisfaction to find the best car insurance for good drivers.

Auto-Owners: Best for cheap rates

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$34/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$73/mo
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)

Debra

November 3, 2024

Verified Review

Excellent

They keep raising prices.

Scotty

November 2, 2024

Verified Review

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.

Dana

October 31, 2024

Verified Review

Average

Ask many questions to cover all aspects of the policy.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners has been around for more than a century and offers a wide range of discounts and some of the most affordable rates — especially for good drivers. The company has great scores from third-party reviewers, like the National Association of Insurance Commissioners (NAIC), J.D. Power, and AM Best. It doesn’t offer as many discounts as its competitors, but you can save by bundling, making on-time payments, or having certain safety features, like airbags.

Pros
  • Lower rates than the national average

  • Offers gap coverage

  • Multiple types of policies

Cons
  • Available in only 26 states

  • Negative customer reviews

  • Only available through independent insurance agents

Travelers: Best for telematics

User Reviews
4.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$191/mo
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)

Nancy

November 18, 2024

Verified Review

Checking for Better Rate

Really good.

Jim

November 12, 2024

Verified Review

Typical

They were fair but within a month, they raised their premium by over $50.

Kenneth

November 5, 2024

Verified Review

Excellent

Excellent
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Travelers is available in most of the U.S. and offers drivers many ways to save, particularly for good driving. Travelers Intellidrive, an optional telematics program that records driving habits, can help you save up to 30%. Plus, you can get discounts for driver training, safe driving, bundling policies, early quotes, homeownership, being a good student, and more.

Pros
  • Lots of discounts for safe driving

  • Scores well for financial strength with AM Best

  • Offers many types of insurance products

Cons
  • High number of complaints

  • Below-average J.D. Power claim satisfaction rating

  • Telematics program not available in all states

State Farm: Best for customer satisfaction

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)

Charles

November 19, 2024

Verified Review

New Car Price

State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.

Ronald

November 19, 2024

Verified Review

State Farm Experience: 35 Years+

They are forcing me to replace my house roof or they will cancel my policy.

David

November 19, 2024

Verified Review

Too expensive

It's too expensive. They raise rates every six months, even though I've never filed a claim.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest auto and home insurance company in the U.S. by market share, and it consistently scores high for customer and claims satisfaction with J.D. Power. State Farm has competitive rates and many types of discounts for good drivers, including its Drive Safe & Save program and Steer Clear (for drivers younger than 25), which can help you save up to 30% on your premiums.

Pros
  • Long-standing history in auto insurance

  • Competitive rates

  • Widely available (all states except Massachusetts and Rhode Island)

Cons
  • Low customer satisfaction ratings

  • No gap insurance

  • Not as many discounts as competitors

GEICO: Best for discounts

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)

George

November 19, 2024

Verified Review

Service

The prices increase every year. I would not recommend purchasing.

James

November 19, 2024

Verified Review

Unsatisfactory Experience with Geico

Steer clear. They increase your rate at every renewal.

Edward

November 18, 2024

Verified Review

Experience with Geico

Reliable.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO offers more discounts than some of its competitors, including a good driver discount that can help safe drivers save up to 22% when they go five years without an accident. The company also offers discounts that reward loyalty, safety features, and affiliations, like 12% off for federal employees and 15% off for military members. GEICO usually completes the claim process in just 48 hours, making it one of the fastest turnaround times in the industry.

Pros
  • Fast claim processing

  • Numerous discounts

  • 24/7 customer service

Cons
  • Rideshare and gap insurance not available

  • Doesn’t offer life insurance bundling

  • Limited agent network

Nationwide: Best for credibility

User Reviews
4.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$83/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$182/mo
4.4
Best choiceBased on 782 verified guest reviews and ratings
How drivers feel about Nationwide

Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide

Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (441)

Richard

November 7, 2024

Verified Review

Excellent Company

Nationwide appears to be an excellent company. I have recommended this company to several of my friends. My daughter and her husband have also taken out policies and are very satisfied with this company. Thank you.

Irene

November 4, 2024

Verified Review

Sorry to be leaving you, Nationwide.

I used Nationwide for 32 years. I understand that insurance prices are going up, however, due to my limited income, I can no longer afford to stay with Nationwide.

Sara

November 1, 2024

Verified Review

Very Good!

The customer service is very good. They explain things well and make it easy to understand.
See all Nationwide reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Nationwide has been around for almost a century and is one of the largest insurance companies by market share. The company offers many types of discounts for good drivers, including its SmartRide program, defensive driving discount, accident forgiveness, and vanishing deductible.

Pros
  • Credible name in the industry

  • Many available discounts

  • Wide range of optional coverages

Cons
  • Customer reviews could be better

  • Not available in every state

  • Some features and discounts not available in certain states

Who’s considered a good driver?

Most people think of themselves as good drivers, but are they good drivers in the eyes of insurers?

When it comes down to it, insurers assess who’s a good driver and who isn’t based on one overriding factor, according to Bob Passmore, department vice president of personal lines for the American Property Casualty Insurance Association (APCIA).

“Auto insurers base premiums on the likelihood someone will file an insurance claim and the cost of claims,” Passmore says.

Your personal history of traffic violations and prior insurance claims factor heavily into an insurer’s cost determinations. If you’ve gotten into accidents or filed claims in the past, insurers judge you as statistically more likely to do it again.

Your age also has a big effect on your rates, as young drivers may not have as much skill behind the wheel, and the reaction time of senior drivers may not be as quick. Both groups often pay higher premiums because of this.

Many insurers also offer telematics devices or apps that record your driving, giving you a score and potentially offering discounts.

“Not all insurers utilize the same set of factors to determine a driver’s risk profile,” says Passmore. “But all of the factors that are used are correlated with the risk of loss and help companies make accurate predictions.” 

That’s also why it’s important to shop around for rates, because insurers have different ways of determining if you’re a good driver.

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How to find the best car insurance for good drivers

Follow these four steps to find the best car insurance company for your needs:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    1. Decide how much coverage you need

    For more financial protection beyond your state’s minimum liability coverage, you may also want to consider comprehensive coverage, collision insurance, or other products, like gap insurance. Your agent can help you determine the right amount of coverage.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    2. Research insurers online

    Check out online reviews from sites like Trustpilot and the Better Business Bureau to learn what real customers have to say about the insurers you’re considering. Be sure to also research how they score with AM Best, the National Association of Insurance Commissioners, and J.D. Power for financial stability and customer satisfaction.

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    3. Look for discounts

    Good drivers typically score the best insurance rates, but you may be able to save even more with discounts for bundling, good grades, safety features, and more. For example, if you’re a teacher, a company that offers teacher discounts may be a good fit.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    4. Compare quotes

    An online quote-comparison tool can help you compare many quotes quickly. When checking rates, be sure to use quotes for the same types of coverage, including policy limits, for the most accurate side-by-side comparison.

Car insurance for good drivers FAQs

If you’ve got a clean driving record, insurers may consider you a good driver, which could qualify you for some of the cheapest rates. Check out the additional information below to learn more about car insurance for good drivers.

  • Is car insurance required for good drivers?

    Yes. Every state except New Hampshire requires all drivers to have car insurance, regardless of how safely they drive. New Hampshire waives this requirement if you can show proof of sufficient funds to insure yourself, but this is based on your financial standing and not your driving skills.

  • Which car insurance company is the cheapest for good drivers?

    COUNTRY Financial is the cheapest car insurance company for good drivers, running an average of $16 per month for liability-only coverage and $38 per month for full coverage. The next-cheapest company, NJM, has monthly averages of $29 for liability coverage and $53 for full coverage.

  • Who are the most expensive drivers to insure?

    Drivers with significant infractions in their history, such as a DUI, are generally the most expensive to insure. Very young or inexperienced drivers may also be more expensive to insure, and drivers living in some states with high fraud rates and extra insurance requirements, like New York, also are generally more expensive to insure.

  • What factors affect car insurance rates for good drivers?

    The same factors that affect all drivers’ rates also affect the rates that good drivers pay for car insurance, including purchasing extra coverage, living in a state that requires additional insurance or has high fraud rates, living in an urban area, or having a poor credit history. Any of these factors may increase your rates, even if you’re a good driver.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
Sarah Archambault
Sarah Archambault

Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare. 

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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