Ratings Methodology
TheCarInsuranceGuide.com has conducted pricing research on safe drivers in the top metropolitan areas with the major insurance carriers. In addition, we've conducted interviews with agents to gather opinions on pricing and offerings to safe drivers by the major carriers. The comments and ratings of our safe driver reviews are the product of this proprietary research.
Ratings for Safe Drivers
Safe Driver Ratings Highlights
Esurance
If you are a driver with a clean record and strong credit, Esurance may be a good option if you are focused on price. If you are focused on service or breadth of insurance offerings other insurance companies may be a better fit.
Geico
If you are a driver with a clean record and strong credit, Geico likely has the low rates you're looking for. However, if claims handling is especially important to you as a customer, you may want to explore other auto insurance companies with better reputations in that category.
Progressive
If you are a driver with a clean record and strong credit, Progressive is a good choice. The company offers some of the best pricing available to premium drivers.
Travelers
For drivers with a clean record and great credit behind them, Travelers is one of the best options available. The brand is one of the highest rated carriers among our agent survey respondents, all of whom applauded the company for its incredible service and great coverage options. We absolutely recommend that you get a quote with them if you fall into this driver category.
21st Century
Premium drivers is where 21st shines. They focus on providing good pricing and great service for currently insured, good drivers.
HiRoad
Drivers with a clean record will likely see the lowest rates with HiRoad, and can look forward to monthly discounts so long as their driving habits are good. If rates are a major focus when it comes to insurance, definitely look into HiRoad.
Liberty Mutual
Liberty may be the company for you if you have a clean driving record and a desire for great customer service. For drivers that fall into this category, they have great pricing, a wide range of product options, and highly rated customer service.
AAA Southern California
Premium drivers are AAA's preferred customer base. If your driving record is clean and your credit looks good, you will likely receive an affordable rate with them.
AAA Southern California
Premium drivers are AAA's preferred customer base. If your driving record is clean and your credit looks good, you will likely receive an affordable rate with them.
AARP Auto Insurance from The Hartford
Senior drivers with clean driving records are The Hartford's ideal customers. If you fall under this category, you may want to check out what they have to offer.
Metromile
If you are driver with a clean record, great credit and low mileage, Metromile can offer some very competitive rates. If this doesn't describe you, you can likely find better options elsewhere.
Allstate
Drivers with great credit and clean driving records can expect lower rates and fantastic service when working with Allstate, as this is their preferred customer base. Definitely consider getting a quote from them if you fall into this driver category.
Branch Insurance
Premium drivers are likely to find good deals with Branch, particularly if they take advantage of bundling.
Mile Auto
Having a good driving record can only serve to benefit your experience with Mile Auto, as this typically allows for lower rates. Keep in mind that the most important factor is how much you drive.
Novo
If your driving record is consistently good and your current driving behavior matches that, you are likely to get great rates with Novo.
Plymouth Rock Assurance
For drivers with a clean record in the Northeast, Plymouth Rock is a good choice. Their coverage options are notably customizable and they have discounts available for safe drivers.
Hugo Insurance
If you rarely drive and your record is pristine, definitely look into Hugo Insurance to save money by only paying for the miles you actually drive.
Clearcover
Clearcover's focus on price and technology allows them to serve all levels of the market.
Clutch Insurance
If you are a driver with a clean record and strong credit, other insurance companies are likely going to be a better match than Direct Auto. Direct Auto usually focuses on drivers who have trouble getting competitive offerings from the major US auto insurance companies, which is not this consumer segment.
Compare
Many carriers mean more options for consumers, and therefore good options for those that are premium drivers. Our pricing research found Compare's panel of auto insurance companies to offer some competitive rates for experienced drivers with clean driving records.
Experian
Premium drivers interesting in getting the lowest price may want to consider Experian, as their service is designed to simplify the quote shopping experience.
Get My Quotes Now
With easy quote comparisons, this is a great option for premium drivers searching for a more convenient way to shop insurance.
InsuredNation
Drivers with a good record will find a policy that meets their needs among the several offered.
Insurify
Many carriers mean more options for consumers, and therefore good options for those that are premium drivers.
Lemonade
By merit of having some of the lowest rates available in general, Lemonade can be a great option for premium drivers to go for, particularly if price and convenience are your priorities.
LOOP
While your credit score and other personal factors won't play a role here, your driving style will. If you drive safely, stay under the speed limit, and keep phone usage while driving to a minimum, LOOP's telematics-based pricing can lead to fantastic rates.
Mercury
For premium drivers, Mercury's quality varies by region. In general, they're a great company to work with and we encourage drivers with good credit and a clean driving record to check out their site and see what rates they have to offer.
Root Insurance
Premium drivers can save money with Root, so long as they do well on their driving behavior tracking period.
Savvy Car Insurance
Drivers with a clean record are likely to save by using Savvy, as their service specifically aims to find users the lowest rates possible.
State Farm
State Farm is one of the best choices available to drivers with clean driving histories and great credit scores. If you match this category, we definitely recommend you get a quote from them to see where you stand.
The Zebra
Many carriers mean more options for consumers, and therefore good options for those that are premium drivers.
USAA Auto
USAA tends to favor safe drivers, even offering discounts to those that maintain a clean record for several years in a row.
Doc Auto Insurance
Premium drivers looking for the quickest route to savings may want to give Doc Auto a try.
Elephant
While Elephant does have helpful discounts and an easy-to-use website that could benefit any driver, drivers with a clean record might find better pricing elsewhere.
Agile Rates
Many carriers mean more options for consumers, and therefore good options for those that are premium drivers.
Bristol West
Premium drivers should look elsewhere for better rates and coverage options, as Bristol West was formed to serve high-risk drivers in particular.
Dairyland
While Dairyland does prefer customers with good credit scores, their business model is not set to serve drivers with clean records -- rather, they prefer higher risk drivers. Premium drivers should look elsewhere for a good match.
Direct Auto
This is likely not the right company for you if you have a strong driving record. There are other carriers that can provide more tailored coverage and rates to suit your needs.
Hub - Auto
Premium drivers don't typically struggle to find fair rates on insurance. Even so, comparing quotes through a service like VIU's may still be valuable.
Jerry
Even if you already have a clean driving record and a fantastic credit score, there is no harm in trying out Jerry's site to see how much they could save you on your next policy.
Jupiter
Drivers with a clean record should look to other carriers for their policies, as Jupiter does not cater their services or rates to this group.
National Family Assurance
While drivers with a clean record can find deals from a number of major carriers fairly easily, they can still benefit what National Family Assurance has to offer -- by using their site to find car insurance, you could save hours of time you'd otherwise need to spend researching.
The Rate Chopper
With lots of options available, good drivers can research and find a plan that suits their situation and offers good value.
Safe Auto
Drivers with clean records should look into other carriers, as Safe Auto is geared towards serving higher risk customers.
Answer Financial
With many choices available, drivers with a good record can choose the best option for their needs.
AutoInsurance.org
Those with a good driving record can take advantage of the many options available and choose the best one for their needs.
Bankrate
Are you a premium driver looking for a great carrier? Bankrate is a reputable, free comparison service that makes it easy to find quality auto coverage.
Best Auto Insurance
Good drivers can expect multiple relevant options among those offered.
Car Insurance MKT
Good drivers will be able to find a great fit for their needs among the many options suggested.
CarInsurance.net
Good drivers can find suitable and affordable policy options among those offered.
Cheaper-Quotes.com
With quick quote comparisons, Cheaper Quotes is a simple way for drivers with clean records to find the most affordable insurance options.
Comparisons.org
This is a good choice for premium drivers looking to compare multiple carriers in one place -- this site makes it easy for drivers to get several quotes at once.
Everquote
Drivers with no blemishes on their record can use EverQuote to streamline the insurance process and find the best carriers and prices available.
FinanceBuzz
They make it easy to get several quotes at once, making them a convenient option for premium drivers looking for a good deal.
Finder
Having many options means good drivers can expect to find the right match easily.
Gabi
Those with a good driving record will be able to find competitive provider and rate options.
Gainsco
Gainsco focuses more on high-risk drivers, so premium drivers are better off looking elsewhere.
Insurance Rates for Less
Premium drivers can find low-cost policies through their service.
InsuranceHoney
With many options to consider, good drivers can choose the best possible plan for their needs.
Insure.com
When it comes to premium drivers, comparison services are largely helpful for speeding up the insurance shopping process. Generally speaking, most carriers prefer to insure premium drivers, which makes the process of finding coverage easier than it may be for other driver groups, whether you use a comparison site or not.
National Auto Quotes
If you have a great driving record, you may benefit from how simple National Auto Quotes makes quote comparisons. By comparing your options in one place, you'll be able to quickly find the right rate for you.
NerdWallet
Premium drivers typically find it easier to get insured than other driver types. However, if you are interested in researching your options, NerdWallet is a great resource.
Otto Insurance
Drivers with a great driving record typically stand the best chance of finding low rates from top carriers. For those looking for a more convenient way to shop these quotes, Otto makes quick quote comparisons easy.
Peklava
RateZip is most beneficial to nonstandard drivers, who may otherwise struggle to get insured. Premium drivers looking for a fast way to shop insurance, however, can still benefit.
Pretected
Good drivers will be able to find a suitable policy option among the ones suggested.
Provide Insurance
Good drivers can find the right insurance fit among the several offered.
Quote By Zip
Drivers with a good record can find a suitable carrier among those suggested.
QuoteWizard
Premium drivers can use QuoteWizard as a quick & easy way to compare providers quickly. However, it's always sound to do a bit of research on your own as well.
SavingsJoy
With many options to consider, good drivers can choose the best possible plan for their needs.
Smart Financial
With multiple quotes on the table, good drivers will have no problem finding one that works.
Spark Auto Insurance
Drivers with a good record can get good coverage for low rates using this service.
Squeeze
Premium drivers in a rush to switch insurers may find Squeeze's comparison service useful. If you fall into this category of drivers, keep in mind that most major insurers are likely to offer you lower rates and helpful discounts anyway.
Ultimate Insurance
Are you a premium driver simply looking for the best deal? Ultimate Insurance is a great, free comparison service that makes the hunt for quality coverage easier.
Infinity
If you are a driver with a clean record and strong credit, other insurance companies are likely going to be a better match than Infinity, as they usually focus on drivers who have trouble getting competitive offerings from the major US auto insurance companies.