Geico Safe Driver Discount: How much can you save?
Geico safe driver discounts include a good driver discount, seat belt discount, and a defensive driving discount. Drivers with a clean driving record will have lower car insurance rates.
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Chris Harrigan
Former Auto Insurance Claims Manager
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.
Former Auto Insurance Claims Manager
UPDATED: Mar 9, 2022
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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: Mar 9, 2022
It’s all about you. We want to help you make the right car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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.
On This Page
- Geico offers various safe driving discounts
- Programs like DriveEasy from Geico help drivers lower rates and drive safer
- Geico drivers who go accident-free for five years save 22% with a good driver discount
Geico is one of the most well-known car insurance companies in the country, boasting some of the lowest average rates on the market. However, there are more ways to lower car insurance rates.
Accidents and tickets result in higher car insurance rates. However, drivers who avoid accidents and traffic tickets can save even more with Geico safe driving discounts. Though Geico offers other significant deals, a clean driving record saves you the most on car insurance.
In addition to safe driving discounts, Geico offers savings based on everything from your occupation to the features of your vehicle. If you have more than one Geico policy or don’t have gaps in your car insurance history, you may qualify for additional discounts.
Not only will avoiding accidents and tickets save you money on car insurance, but it will also keep you and your vehicle safer. So make good driving decisions to keep headaches and high costs at bay.
Keep reading to learn more about Geico safe driver discounts and other ways to save.
What safe driving discounts does Geico offer?
Car insurance companies are all about risk, and drivers with accidents and tickets are more likely to cost the insurance company money. That’s why Geico offers significant car insurance discounts for drivers who practice safe driving.
Geico safe driving discounts include:
- Good driver. Drivers with no accidents for five years can save 22% on their car insurance.
- Seat belt use. Wearing a seat belt can save on medical payment and personal injury protection coverages.
- Defensive driving. Drivers who have taken an approved defensive driving course get a discount.
Additionally, a defensive driving course may remove points from your driver’s license, depending on where you live. So not only can you save on car insurance, but you can deduct points.
You can also save with Geico’s safe driver discount app Geico DriveEasy. Telematics in the DriveEasy app monitors certain driving behaviors, such as distracted driving, mileage, and hard braking.
DriveEasy offers immediate feedback, allowing drivers to correct lousy driving in real-time. Safe drivers also earn a discount based on how well they score, meaning drivers with poor safe driving skills may see rates increase.
DriveEasy is an excellent way for safe drivers to get an additional discount, but it isn’t a good fit for drivers who use their phones while driving or have a long commute.
Read our Geico Car Insurance Review to learn more about the company and its various programs.
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How does safe driving affect Geico car insurance rates?
Several factors affect car insurance rates, such as age, vehicle, credit score, and where you live. However, your driving history is the most significant factor that affects your rates.
Car insurance companies look closely at your driving record to see how likely you will cost them money by causing an accident.
For example, the Centers for Disease Control reports that over 2.5 million people went to the hospital in 2019 due to car crashes. Since hospital visits are expensive, car insurance companies pay massive amounts for accident claims.
Car insurance companies reward safe drivers with low rates and additional discounts because of high costs.
This table shows Geico’s average car insurance rates based on driving records. Drivers with accidents, tickets, and DUIs see much higher rates.
Driving Record | Average Monthly Rates |
---|---|
Clean | $178.83 |
One Speeding Ticket | $220.45 |
One Accident | $266.06 |
One DUI | $406.32 |
Although one speeding ticket raises rates by around $40 a month, one accident raises them about $90 a month. So the best way to keep car insurance rates low is to maintain a clean driving record.
Geico drivers that maintain a clean driving record and take advantage of safe driving discounts have low rates.
What other discounts does Geico offer?
Don’t worry if you aren’t eligible for a Geico safe driving discount. Many other discounts may be available to you.
Sadly, there aren’t any hidden discounts to search out, but Geico offers many discounts based on the driver, vehicle, and policy.
For example, suppose you have an accident and don’t qualify for a good driver discount. In that case, you may be eligible for a multi-policy discount based on your car’s safety features.
This table shows Geico car insurance discounts, with the savings amount listed if it is available.
Car Insurance Discounts | Geico (%) |
---|---|
Anti-lock Brakes | 5 |
Anti-Theft | 25 |
Claim Free | 26 |
Continuous Coverage | x |
Daytime Running Lights | 1 |
Defensive Driver | x |
Distant Student | x |
Driver's Ed | x |
Driving Device/App | x |
Early Signing | x |
Emergency Deployment | 25 |
Family Legacy | x |
Farm Vehicle | x |
Federal Employee | 8 |
Full Payment | x |
Further Education | x |
Good Student | 15 |
Homeowner | x |
Low Mileage | x |
Loyalty | x |
Membership/Group | x |
Military | 15 |
Multiple Policies | 10 |
Multiple Vehicles | 25 |
Newer Vehicle | x |
Occupation | x |
Passive Restraint | 40 |
Safe Driver | 15 |
Seat Belt Use | 15 |
Students & Alumni | x |
Utility Vehicle | x |
Vehicle Recovery | 15 |
Geico allows you to bundle all eligible discounts to maximize your savings. When looking for car insurance discounts, don’t forget to consider your occupation and the features that come standard on your vehicle.
Geico Safe Driver Discount: What You Need To Know
Safe drivers are eligible for several discounts from Geico, including good driving, seat belt, and defensive driving discounts.
The Geico DriveEasy telematics program also adds more savings for safe drivers. However, your Geico car insurance rates can go up if you score poorly with DriveEasy.
In addition to safe driver discounts, there are other ways to save with Geico, including multi-car, multi-policy, occupation, and good student discounts. Drivers can also get discounts for the safety features that come standard on their vehicles.
Geico drivers who have a clean driving record and take advantage of multiple discounts will see much lower rates.
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Chris Harrigan
Former Auto Insurance Claims Manager
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.
Former Auto Insurance Claims Manager
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.