Good Driver Discounts: Accident & Violation-Free Insurance

by Krystian Sip,  Jul 29 2021
Updated at Jan 4, 2022|2 min read

When shopping around for insurance, having a clean driving record can be a great asset!

A vast majority of insurance companies offer significant discounts which take into account your driving history, plus other insurance rating factors.

To ensure you get the best price out there, here are some tips on how you can lower your premium.

What kind of Good Drivers discounts are out there?

The types of discounts and their price reduction percentages are usually insurance company-specific. Different companies can also have different requirements when obtaining them.

Discounts offered by companies are usually divided into two categories:

  • Accident-free discount – grants drivers a discount of up to 20% for not having been involved in any accidents within the last 3-5 years, depending on the company.
  • Violation-free discount – gives the driver a set discount of up to 15% for traffic violation-free driving over a set number of years.

Companies offering these good driver discounts include Nationwide, Allstate, Progressive, and Travelers.

Discounts are applied separately to each driver, meaning the more drivers you have, with an impeccable report, the more your premium is going to decrease.

California good driver regulations

In California, insurance companies are required to offer a 20% discount to drivers who meet the state-regulated requirements. A driver is eligible for the discount if they:

  • Continuously maintained a valid license for a period of at least 3 years.
  • Received no more than 1 DMV point within the last 3 years following a violation.
  • Haven’t been enrolled in a traffic school more than once due to a violation.
  • Have never taken part in an at-fault accident which resulted in an injury or death.
  • Have not been convicted for driving under the influence within the last 10 years,

Keeping your Good Driver discounts 

Being able to keep your Good Driver discounts is just as important as acquiring them in the first place. To ensure your premium remains low, you can do a few things to avoid a price increase.

Do not be heavy-footed while driving

To avoid traffic violations and accidents, it’s best to avoid the excessive use of your gas and brake pedals. Driving in a safe and careful manner can help you avoid any inconveniences, which might lead to your clean record going down the drain.

Consider adding accident forgiveness to your policy

Accident forgiveness is an additional coverage you can add to your auto policy, which protects you from a rate increase, should you be involved in an accident. In the majority of cases, these discounts can be either bought or earned for consecutive years of safe and accident-free driving.

Complete a defensive driving course

Another way of ensuring your premium remains low is by completing a so-called Defensive driving course. It is usually a class lasting anywhere between 4-8 hours depending on the state, which aims at helping drivers control their vehicle during unexpected situations, like aggressive drivers, mechanical issues, and extreme weather conditions. The completion of this course awards you with invaluable knowledge for the future, as well as a completion certificate which you can provide to your insurance company for extra savings.

How do I get the discount?

Being careful is great when driving AND making sure you don’t miss out on any offers!

If you are curious or have any additional questions, regarding the discounts, our Gabi agents are there to help you.

We can save you a lot of time (and money!) by doing the monotonous work of comparing quotes for you, within minutes!

Request your free quotes now at:

Editorial content on is reviewed by a licensed insurance agent. It is intended for informational purposes only and should not be considered legal or financial advice.
Written by
Jessie Jordan
Jessie is a Marketing Specialist at Gabi. As a licensed insurance agent, she has been helping Gabi customers buy and understand auto, home, renters, landlord, and umbrella insurance in a digestible way since she joined the Gabi team in 2020. Before joining Gabi she was a globally recognized Senior Account Executive for UPS- trusted with advising top brands on how to grow and streamline their business.
Reviewed by
Robbie Boddy
Robbie is the Vice President, Head of Sales & Customer Experience at Gabi. As a licensed insurance agent, he has more than 15 years of experience in the insurance industry, joining Gabi after working with Liberty Mutual as the Assistant Vice President and Site Leader, Direct Sales and Innovation. Robbie is a member of the Chartered Property and Casualty Underwriters society and has a Master of Business Administration (MBA) from Grand Canyon University.
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