Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 18, 2021

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Just What's Essential

  • Drivers qualify for claim-free car insurance discounts when they don’t make a claim on their policy for three to five years.
  • You can save up to 30% with a claim-free discount.
  • Safe drivers can qualify for more auto insurance discounts with a good driving record.

Asking about discounts is one of the easiest ways to find more affordable car insurance. The most common car insurance discounts fall into one of these five categories:

  • Driver safety discounts
  • Driver status discounts
  • Vehicle discounts
  • Policy discounts
  • Usage-based discounts

In this guide, we are going to discuss driver safety discounts, specifically how you can save on car insurance with a claim-free discount. This type of auto insurance discount is dependent upon your insurance record and in order to qualify, you cannot make a claim for a certain period of time (usually three years). 

Think you qualify for a claim-free discount on car insurance? Enter your ZIP code above to find local car insurance companies near you offering the best rates and discounts.

What is a claim-free discount?

Claim-free car insurance discounts, also known as good driver or accident-free discounts, apply to drivers who manage to avoid making a claim on their policy for a specified period of time. 

Most of the bigger insurance companies like GEICO and Allstate offer claim-free discounts to drivers who have been accident-free for three to five years. Smaller companies will also offer some form of no-claims bonus so don’t forget to ask about discounts before you buy car insurance coverage.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How much is a claim-free discount?

Each car insurance company is different and will have its own terms defining what qualifies a claim-free discount and how much that discount is worth. Typically, drivers can see 10%-30% off their monthly premiums with an accident-free discount. 

For drivers who participate in telematics programs, which help insurance companies log driving habits and estimate damage costs, can save between 40%-60%.

What other safe driver discounts should I ask for?

If you qualify for a claim-free discount it’s likely you also qualify for even more driver safety car insurance discounts. As you shop around for auto insurance quotes, ask about different kinds of discounts, including defensive driving and safe driver discounts.

Take a look at the table below to see the kinds of discounts you can expect.

American Family vs. Farmers Car Insurance Rates by Driving History

Citation TypeAmerican Family Average Monthly PremiumFarmers Average Monthly Premium
At-fault accident with less than $1,000 damage$82.50$141.58
At-fault accident with more than $1,000 damage$146.92$194.50
Speeding Ticket$105.83$170.42
Reckless Driving$154.75$386.33
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Not all companies list their rates and discounts publicly. Even if they aren’t included in this table, you may still qualify for certain driver safety and accident-free discounts. Always ask about what discounts you might qualify for when you’re shopping for car insurance to secure the lowest rates possible.

How to Get Cheap Car Insurance With a Claim-Free Discount

If you don’t have any claims on your insurance record, you can secure affordable car insurance rates by qualify for a claim-free discount. Get quotes from multiple car insurance companies and be sure to ask what other discounts you may qualify for before you buy a policy.

Start comparing quotes now with our free tool below. Enter your ZIP code to get free car insurance quotes from local companies and find cheap rates with a claim-free discount.