Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 30, 2021

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Key Takeaways

  • Claim-free discounts are offered to drivers who have never filed an insurance claim
  • Most national car insurance companies provide claim-free discounts to qualifying drivers
  • Claim-free drivers can save hundreds of dollars per year on car insurance

If you’ve never filed a car insurance claim, then you may qualify for a claim-free driver car insurance discount. A lot of car insurance companies reward responsible driving by offering claim-free discounts to eligible drivers.

Curious to learn if you meet the criteria for a claim-free discount with one of your local providers? Keep reading for a description of the different types of discounts and how you can leverage your clean driving record into savings on car insurance. 

Enter your ZIP code in our free tool to compare discounts for claim-free drivers from car insurance providers in your area.

How do I qualify for a claim-free car insurance discount?

The primary requirement for claim-free car insurance discounts is all in the name: if you’ve never filed an insurance claim after a collision or other type of incident, you will likely qualify for this discount in some form.

That said, insurance companies vary in the types of car insurance discounts they provide drivers and the degree of potential savings. The length of time you’ve gone without a claim also contributes to the likelihood you’ll receive the discount, as well as how much you’ll save annually.

Most providers require drivers to have a claim-free history of five years, but at some companies, discounts are available after only a three-year period, or not until seven years.

Continue reading for the lowdown on which providers offer claim-free drivers the best discounts. 

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How much can I save on car insurance with a claim-free driver discount?

A comprehensive car insurance plan isn’t cheap and is only getting more expensive over time. With this in mind, it’s only sensible for drivers to take advantage of whatever available discounts they can.

Car insurance companies will generally factor in your claims history when quoting you for a policy. Drivers with a clean record and no recent insurance claims often have significantly lower rates.

And continuing your accident-free ways can pay dividends: some companies add additional bonus discounts for each further claim-free year until a maximum discount is reached. Discounts can be up to 30%.

For example, the table below compares the average annual rates GEICO and Nationwide offer accident-free drivers vs. those with a claims history.

GEICO vs. Nationwide Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesNationwide Average Annual Rates
Clean record$2,145.96$2,746.18
With 1 accident$3,192.77$3,396.95
With 1 DUI$4,875.87$4,543.20
With 1 speeding violation$2,645.43$3,113.68
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As you can see, responsible driving pays off – literally.    

Claim-Free Driver Discounts: The Bottom Line

Most major auto insurance providers incentivize safe and responsible driving in the form of discounts to claim-free drivers. Shop around to ensure you’re getting the best possible accident-free discount.

Ready to save some money on car insurance? Enter your ZIP code below and start reviewing free quotes from insurance providers near you.