Best Car Insurance for Good Drivers (2025)
Auto-Owners, Travelers, and State Farm have some of the lowest rates and best customer service for drivers with good records.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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.
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 $60 per month. Here are some other insurers that offer cheap car insurance for good drivers.
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
Travelers: Best for telematics
State Farm: Best for customer satisfaction
GEICO: Best for discounts
Nationwide: Best for credibility
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.
How to find the best car insurance for good drivers
Follow these four steps to find the best car insurance company for your needs:
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 $34 per month for liability-only coverage and $60 per month for full coverage. The next-cheapest company, Auto-Owners, has monthly averages of $43 for liability coverage and $74 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.
)
)
)
){kind=logo}
){kind=small}
){kind=small}
){kind=small}