Safe Driver Discount

Accident-Free? You Could Save on Car Insurance!

Safe driving can help prevent car accidents, but it could also help you save money. If you’re the type of driver who goes the speed limit, double checks your blind spots, and always uses your blinker, you could be eligible for a Safe Driver Discount from Direct Auto & Life Insurance!

How do you qualify for a Safe Driver Discount? You could save up to 10% on your car insurance policy if:

  • You have been violation- and accident-free for the past 36 months
  • You live in a state where an auto insurance discount for safe drivers is offered

The period of time you must remain violation- and accident-free varies by state. For instance, Illinois and Arkansas require that all operators be violation- and accident-free for 12 months, while in Alabama this time period is 36 months.

Some auto insurance companies put an age requirement on safe driving discount eligibility, require that you complete an approved safe driving program, or digitally monitor your driving through technology, but not Direct Auto & Life! Whether you buy every insurance coverage available or just go with the minimum liability coverage for your state, you can be eligible for a Safe Driver Discount. It's typically not dependent on the coverage you choose, the type of vehicle you drive, or your annual mileage.

If you have questions about your eligibility for a Safe Driver Discount or want to know more about your state’s requirements, talk to one of our representatives at 1-877-GO-DIRECT (1-877-463-4732) or at a Direct Auto & Life location near you.

More Ways to Save on Car Insurance

Direct Auto & Life offers more than great car insurance discounts to help you save on one of life's most important expenses. When you're a policyholder, you can make your insurance more affordable by customizing your payments and choosing the payment method that's best for you. Whether you want to pay cash, pay by text message, or set up automatic payments with your credit card, we have a payment method that fits your style!


Insurance is underwritten or administered by members of the Direct General Group, Nashville, TN and is only offered in states where we are licensed to do business. You can find this information on our website: directgeneral.com. Discounts may only apply to certain coverages and are subject to terms and conditions and may not be available in all states or distribution channels. Price may vary depending on how you buy.

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