Best Claims-Free Car Insurance Discounts in 2025 (Save up to 35% With These Companies)

USAA’s rates are unrivaled, along with their superior service and other incentives offered to military families. Allstate takes the lead with flexible coverage options and reliable claims payment, while American Family also provides flexible coverage and rewards for loyalty.

This article discusses the working nature of no-claims discounts, how to save them, and the unique things about each company. It outlines how to transfer the discount when changing insurers or vehicles.

Keep reading to find out which insurance provider fits your requirements and some of the savings you may achieve. Check out our best car insurance for federal employees< to learn more. Find cheap car insurance quotes by entering your ZIP code here

 Our Top 10 Company Picks: Best Claims-Free Car Insurance Discounts

Company	Rank	A.M. Best	Claims-Free	Discount Requirements
	#1	A++	20%	Maintain a claims-free record for a period
	#2	A	15%	No claims for a specified duration
	#3	A+	14%	Must be claims-free for a number of years
	#4	A++	13%	Meet insurer’s no-claims criteria
	#5	A++	12%	Claims-free for a period set by insurer
	#6	A++	11%	No claims history for a set time
	#7	A+	10%	Maintain claims-free record for years
	#8	A+	10%	No claims in the last few years
	#9	A	9%	No claims history for a period
	#10	A	8%	Must have no recent claims for a set duration

The Importance of Claims-Free Car Insurance Discounts

A claims-free car insurance discount, also known as a no-claims discount (NCD) or no-claims Bonus, is one of the most valuable rewards for safe driving. It’s a financial incentive given to policyholders who have not filed any claims over a certain period, typically beginning with one claim-free year.

Car Insurance Discounts From Top Providers

Company	Claims-Free	Good Driver	Membership	Multi-Vehicle	Safe Driver
	10%	25%	10%	25%	18%
	15%	25%	10%	20%	18%
	9%	30%	10%	20%	20%
	12%	26%	8%	25%	15%
	8%	20%	10%	25%	20%
	14%	40%	15%	20%	12%
	10%	30%	15%	12%	10%
	11%	25%	5%	20%	20%
	13%	10%	10%	8%	17%
	20%	30%	25%	10%	10%

Insurance companies use this system to encourage responsible driving and to reward drivers who represent a lower risk. Over time, this discount can add up to significant savings on your premium.

In addition to lowering your costs, having a no-claims Discount can also improve your standing with insurers, giving you access to enhanced coverage options or exclusive policy perks. For careful drivers, this is a win-win benefit that offers both financial and personal peace of mind. Explore our types of car insurance coverage to get more details.

Potential Savings Through Claims-Free Discounts

The savings offered through a no-claims Discount can be substantial, depending on how long you’ve gone without filing a claim. Most insurers follow a tiered structure, increasing your discount incrementally each year you remain claim-free. For example, after one year without a claim, you might receive a 10–20% discount.

After five consecutive claim-free years, that discount could rise to 50% or more. While these percentages may vary from company to company, the principle remains the same: the longer you drive without making a claim, the less you pay for coverage.

These discounts are applied to the base premium, which is the core cost of your policy before taxes and additional fees, and can result in hundreds of dollars in annual savings. Read our safety car insurance review to find out more.

Qualifications for Earning a Claims-Free Discount

Earning a claims-free discount begins with consistently safe and responsible driving. If you avoid accidents and don’t file any claims for a defined period—typically a year or more—you start to build your discount.

To maintain eligibility, it’s important to follow defensive driving practices, avoid distractions while driving, and stay aware of changing road and weather conditions.

Keeping your vehicle in good condition through regular maintenance can also prevent issues that may lead to claims. In most cases, only at-fault claims affect your discount, so if you’re involved in an accident that isn’t your fault, your insurer may still count that year toward your claim-free history.

For minor incidents, it may even be worth covering repair costs yourself to protect your discount and keep your premium low in the future. Discover our best car insurance for federal employees for further insights.

Benefits of Protecting a Claims-Free Discount

Protecting your claims-free discount ensures that a single insurance claim won’t automatically erase years of safe driving rewards. Many insurance providers offer this option, often referred to as a protected claims-free discount, as an add-on to your policy.

With this coverage in place, you’re allowed to file one or sometimes two claims over a certain period without affecting your discount level.

Although there’s typically an additional cost for this feature, it can provide long-term value and peace of mind, especially for those who have accumulated several years of claims-free driving.

However, it’s essential to understand that while your discount may remain unchanged, your overall premium could still rise following a claim, as insurers reassess your overall risk profile.Browse our understanding of life insurance to gain more information.

Transferring Claims-Free Discounts Between Policies

One of the advantages of a claims-free discount is that it belongs to you, not your vehicle or your insurance company. This means you can transfer your discount if you switch insurance providers or purchase a new car. <

To do this, you’ll typically need to request a claims-free certificate from your current insurer and provide it to your new one.  While the exact discount may vary depending on the new insurer’s policy, most companies will honor your claim-free history.

This Reddit post could use more info on claims-free years. Most insurers only count them if tied to a personal policy, not rentals. Some might accept proof like a driving history letter, but it depends. Sharing your experience can help others in similar situations.

Car insurance and claim free year
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Similarly, if you’re replacing your car, your claims-free discount can usually be applied to the new vehicle, though the premium itself may change based on the new car’s risk profile. Always inform your insurer of any changes to ensure your discount continues uninterrupted and is applied correctly. Refer to our understanding of your car insurance and what’s covered for additional details.

Strategies for Maximizing Claims-Free Savings

To make the most of your claims-free discount, it’s important to think strategically about how you handle potential claims and manage your policy. For instance, if you experience minor damage that’s inexpensive to fix, it may be more cost-effective to pay out-of-pocket rather than filing a claim that could affect your discount.

You can also explore additional ways to lower your premiums, such as bundling your auto insurance with home or renters coverage, participating in a safe driver program, or enrolling in a defensive driving course. Some insurers also offer telematics-based or low-mileage policies that reward cautious drivers with even greater savings.

By staying proactive, driving responsibly, and regularly reviewing your coverage with your insurer, you can preserve your claims-free discount and maximize the financial benefits it offers year after year. Visit our what’s deductible to get the full scoop. entering your ZIP code, you can get instant car insurance quotes from top providers.