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: Mar 9, 2022

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Key Takeaways

  • 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.

GEICO Average Monthly Car Insurance Rates Based on Driving Records
Driving RecordAverage Monthly Rates
Clean$178.83
One Speeding Ticket$220.45
One Accident$266.06
One DUI$406.32
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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.

GEICO Car Insurance Discounts
Car Insurance DiscountsGEICO (%)
Anti-lock Brakes5
Anti-Theft25
Claim Free26
Continuous Coveragex
Daytime Running Lights1
Defensive Driverx
Distant Studentx
Driver's Edx
Driving Device/Appx
Early Signingx
Emergency Deployment25
Family Legacyx
Farm Vehiclex
Federal Employee8
Full Paymentx
Further Educationx
Good Student15
Homeownerx
Low Mileagex
Loyaltyx
Membership/Groupx
Military15
Multiple Policies10
Multiple Vehicles25
Newer Vehiclex
Occupationx
Passive Restraint40
Safe Driver15
Seat Belt Use15
Students & Alumnix
Utility Vehiclex
Vehicle Recovery15
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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.