Car Insurance Discounts for Claim-Free Drivers
Most major auto insurance providers incentivize safe and responsible driving in the form of claim-free discounts to eiligible drivers. Car insurance companies typically evaluate a driver's claims history when quoting them for a policy, and accident-free drivers with a clean record and no insurance claims often have significantly lower premiums.
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UPDATED: Jun 30, 2021
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- 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.
|Driving Record||GEICO Average Annual Rates||Nationwide Average Annual Rates|
|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.