TheCarInsuranceGuide.com

Best Car Insurance Companies for Safe Drivers in 2025

Reviews and ratings on the Car Insurance Companies that are the best for safe drivers. Get coverage, premium and discount information from our list of the Best Car Insurance companies.

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Best Car Insurance Companies for Safe Drivers in

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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

Score for Safe Drivers

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.

See car insurance offer from Esurance
Geico

Score for Safe Drivers

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.

See car insurance offer from Geico
Progressive

Score for Safe Drivers

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.

See car insurance offer from Progressive
Travelers

Score for Safe 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.

See car insurance offer from Travelers
21st Century

Score for Safe Drivers

21st Century

Premium drivers is where 21st shines. They focus on providing good pricing and great service for currently insured, good drivers.

See car insurance offer from 21st Century
HiRoad

Score for Safe 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.

See car insurance offer from HiRoad
Liberty Mutual

Score for Safe Drivers

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.

See car insurance offer from Liberty Mutual
AAA Southern California

Score for Safe Drivers

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.

See car insurance offer from AAA Southern California
AAA Southern California

Score for Safe Drivers

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.

See car insurance offer from AAA Southern California
AARP Auto Insurance from The Hartford

Score for Safe Drivers

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.

See car insurance offer from AARP Auto Insurance from The Hartford
Metromile

Score for Safe Drivers

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.

See car insurance offer from Metromile
Allstate

Score for Safe Drivers

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.

See car insurance offer from Allstate
Branch Insurance

Score for Safe Drivers

Branch Insurance

Premium drivers are likely to find good deals with Branch, particularly if they take advantage of bundling.

See car insurance offer from Branch Insurance
Mile Auto

Score for Safe Drivers

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.

See car insurance offer from Mile Auto
Novo

Score for Safe Drivers

Novo

If your driving record is consistently good and your current driving behavior matches that, you are likely to get great rates with Novo.

See car insurance offer from Novo
Plymouth Rock Assurance

Score for Safe Drivers

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.

See car insurance offer from Plymouth Rock Assurance
Hugo Insurance

Score 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.

See car insurance offer from Hugo Insurance
Clearcover

Score for Safe Drivers

Clearcover

Clearcover's focus on price and technology allows them to serve all levels of the market.

See car insurance offer from Clearcover
Clutch Insurance

Score for Safe Drivers

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.

See car insurance offer from Clutch Insurance
Compare

Score for Safe Drivers

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.

See car insurance offer from Compare
Experian

Score for Safe Drivers

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.

See car insurance offer from Experian
Get My Quotes Now

Score for Safe Drivers

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.

See car insurance offer from Get My Quotes Now
InsuredNation

Score for Safe Drivers

InsuredNation

Drivers with a good record will find a policy that meets their needs among the several offered.

See car insurance offer from InsuredNation
Insurify

Score for Safe Drivers

Insurify

Many carriers mean more options for consumers, and therefore good options for those that are premium drivers.

See car insurance offer from Insurify
Lemonade

Score for Safe 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.

See car insurance offer from Lemonade
LOOP

Score for Safe Drivers

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.

See car insurance offer from LOOP
Mercury

Score for Safe Drivers

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.

See car insurance offer from Mercury
Root Insurance

Score for Safe Drivers

Root Insurance

Premium drivers can save money with Root, so long as they do well on their driving behavior tracking period.

See car insurance offer from Root Insurance
Savvy Car Insurance

Score for Safe Drivers

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.

See car insurance offer from Savvy Car Insurance
State Farm

Score for Safe Drivers

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.

See car insurance offer from State Farm
The Zebra

Score for Safe Drivers

The Zebra

Many carriers mean more options for consumers, and therefore good options for those that are premium drivers.

See car insurance offer from The Zebra
USAA Auto

Score for Safe 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.

See car insurance offer from USAA Auto
Doc Auto Insurance

Score for Safe Drivers

Doc Auto Insurance

Premium drivers looking for the quickest route to savings may want to give Doc Auto a try.

See car insurance offer from Doc Auto Insurance
Elephant

Score for Safe Drivers

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.

See car insurance offer from Elephant
Agile Rates

Score for Safe Drivers

Agile Rates

Many carriers mean more options for consumers, and therefore good options for those that are premium drivers.

See car insurance offer from Agile Rates
Bristol West

Score for Safe 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.

See car insurance offer from Bristol West
Dairyland

Score for Safe Drivers

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.

See car insurance offer from Dairyland
Direct Auto

Score for Safe Drivers

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.

See car insurance offer from Direct Auto
Hub - Auto

Score for Safe Drivers

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.

See car insurance offer from Hub - Auto
Jerry

Score for Safe Drivers

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.

See car insurance offer from Jerry
Jupiter

Score for Safe Drivers

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.

See car insurance offer from Jupiter
National Family Assurance

Score for Safe Drivers

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.

See car insurance offer from National Family Assurance
The Rate Chopper

Score for Safe Drivers

The Rate Chopper

With lots of options available, good drivers can research and find a plan that suits their situation and offers good value.

See car insurance offer from The Rate Chopper
Safe Auto

Score for Safe Drivers

Safe Auto

Drivers with clean records should look into other carriers, as Safe Auto is geared towards serving higher risk customers.

See car insurance offer from Safe Auto
Answer Financial

Score for Safe Drivers

Answer Financial

With many choices available, drivers with a good record can choose the best option for their needs.

See car insurance offer from Answer Financial
AutoInsurance.com

Score for Safe Drivers

AutoInsurance.com

Good drivers can expect low prices.

See car insurance offer from AutoInsurance.com
AutoInsurance.org

Score for Safe Drivers

AutoInsurance.org

Those with a good driving record can take advantage of the many options available and choose the best one for their needs.

See car insurance offer from AutoInsurance.org
Bankrate

Score for Safe Drivers

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.

See car insurance offer from Bankrate
Best Auto Insurance

Score for Safe Drivers

Best Auto Insurance

Good drivers can expect multiple relevant options among those offered.

See car insurance offer from Best Auto Insurance
Car Insurance MKT

Score for Safe Drivers

Car Insurance MKT

Good drivers will be able to find a great fit for their needs among the many options suggested.

See car insurance offer from Car Insurance MKT
CarInsurance.net

Score for Safe Drivers

CarInsurance.net

Good drivers can find suitable and affordable policy options among those offered.

See car insurance offer from CarInsurance.net
Cheaper-Quotes.com

Score for Safe Drivers

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.

See car insurance offer from Cheaper-Quotes.com
Comparisons.org

Score for Safe Drivers

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.

See car insurance offer from Comparisons.org
Everquote

Score for Safe Drivers

Everquote

Drivers with no blemishes on their record can use EverQuote to streamline the insurance process and find the best carriers and prices available.

See car insurance offer from Everquote
FinanceBuzz

Score for Safe Drivers

FinanceBuzz

They make it easy to get several quotes at once, making them a convenient option for premium drivers looking for a good deal.

See car insurance offer from FinanceBuzz
Finder

Score for Safe Drivers

Finder

Having many options means good drivers can expect to find the right match easily.

See car insurance offer from Finder
Gabi

Score for Safe Drivers

Gabi

Those with a good driving record will be able to find competitive provider and rate options.

See car insurance offer from Gabi
Gainsco

Score for Safe Drivers

Gainsco

Gainsco focuses more on high-risk drivers, so premium drivers are better off looking elsewhere.

See car insurance offer from Gainsco
Insurance Rates for Less

Score for Safe Drivers

Insurance Rates for Less

Premium drivers can find low-cost policies through their service.

See car insurance offer from Insurance Rates for Less
InsuranceHoney

Score for Safe Drivers

InsuranceHoney

With many options to consider, good drivers can choose the best possible plan for their needs.

See car insurance offer from InsuranceHoney
Insure.com

Score for Safe Drivers

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.

See car insurance offer from Insure.com
National Auto Quotes

Score for Safe Drivers

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.

See car insurance offer from National Auto Quotes
NerdWallet

Score for Safe Drivers

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.

See car insurance offer from NerdWallet
Otto Insurance

Score for Safe Drivers

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.

See car insurance offer from Otto Insurance
Peklava

Score for Safe Drivers

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.

See car insurance offer from Peklava
Pretected

Score for Safe Drivers

Pretected

Good drivers will be able to find a suitable policy option among the ones suggested.

See car insurance offer from Pretected
Provide Insurance

Score for Safe Drivers

Provide Insurance

Good drivers can find the right insurance fit among the several offered.

See car insurance offer from Provide Insurance
Quote By Zip

Score for Safe Drivers

Quote By Zip

Drivers with a good record can find a suitable carrier among those suggested.

See car insurance offer from Quote By Zip
QuoteWizard

Score for Safe Drivers

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.

See car insurance offer from QuoteWizard
SavingsJoy

Score for Safe Drivers

SavingsJoy

With many options to consider, good drivers can choose the best possible plan for their needs.

See car insurance offer from SavingsJoy
Smart Financial

Score for Safe Drivers

Smart Financial

With multiple quotes on the table, good drivers will have no problem finding one that works.

See car insurance offer from Smart Financial
Spark Auto Insurance

Score for Safe Drivers

Spark Auto Insurance

Drivers with a good record can get good coverage for low rates using this service.

See car insurance offer from Spark Auto Insurance
Squeeze

Score for Safe Drivers

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.

See car insurance offer from Squeeze
Ultimate Insurance

Score for Safe Drivers

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.

See car insurance offer from Ultimate Insurance
Infinity

Score for Safe Drivers

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.

See car insurance offer from Infinity
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