Best Claims-Free Auto Insurance Discounts in 2026 (Save up to 25% With These Companies)

The best claims-free auto insurance discounts can save drivers up to 25% on premiums, with top providers like Amica, State Farm, and Erie offering substantial savings. These discounts reward drivers with a clean claims history, typically for five years or more.

Rates and availability vary by state and insurer, but qualifying for a claim-free discount can significantly reduce your insurance costs. It’s a good idea to check with your provider to determine if you qualify for these savings, especially when learning how to compare auto insurance quotes.

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Understanding the Claims-Free Discount

If you have never made a claim, then you are probably the best customer for your car insurance company. You have brought the company minimum, pure profit by delivering on your promise and paying your premium monthly without requiring them to pay for car repairs, ship replacements, or shattered windshields.

Therefore, many car insurance companies offer discounts to those who have not made any claims. It is also possible for you to receive a lower premium due to bonuses when the practice of driving is fought against using your insurance or compensation. This is important to understand when considering how to file an auto insurance claim, as it highlights the benefits of maintaining a clean driving record.

How a Claims-Free Discount Works

Claims-free discounts vary between car insurance companies and states. Some car insurance companies offer claims-free discounts in some states but not others.

Esurance, for example, offers a claims-free discount in Arizona, Georgia, Illinois, Maryland, Ohio, Pennsylvania, Tennessee, Texas, Virginia, and Washington, but no other states. The discount gives drivers up to 20% off car insurance premiums if they have not claimed within the last five years. It’s one of the most substantial discounts offered by the company.

Other car insurance companies offer similar types of claims-free discounts. Generally, claims-free discounts require you to have no claims within the last 5 years. Some companies, however, provide a claims-free discount in as little as 3 years. Others require you to have 7 years of clean driving.

Some companies give you a claims-free discount that increases every year you go without making a claim. You might get 5% off after going one year without making a claim, for example, with an additional 5% discount every year after, up to a maximum of 4 years or a 20% discount.

Understanding What Constitutes a Claim

What exactly does it mean to be ‘claims-free’? Rules vary between car insurance companies. In some states, comprehensive claims under $1,000, glass-only claims, and emergency road service claims won’t disqualify you from the claims-free discount, for example. Some states forbid insurance companies from taking away a driver’s claims-free discount for these claims.

Similarly, you may be able to maintain your claims-free discount after an accident where you were not at fault. In this situation, the other driver’s car insurance would pay – not yours, which means you didn’t cost your car insurance company money.

In other states and with different insurance companies, your claims-free discount could be removed for any claim, regardless of the amount or type.

Generally, however, you’ll qualify for a claims-free discount if you meet the following requirements:

• All drivers on your car insurance policy have gone at least 60 months (5 years) without an at-fault accident claim, a DUI/DWI conviction, or a similar central claim.
• At least one person on your policy has 5-plus years of driving experience.
• You have at least five years of continuous insured driving history.

How to Get a Claims-Free Discount

Most car insurance companies will automatically apply the claims-free discount to your account once you meet the above requirements.

If you believe you meet the above requirements but have not qualified for a claims-free discount, then contact your car insurance company. Some customers might slip through the cracks. Or, some car insurance companies only apply the claims-free discount if customers specifically request it.

Maximize Your Savings with Claims-Free Discounts on Car Insurance

Have you gone at least five years (60 months) without claiming your car insurance policy? If nobody listed on your car insurance policy has claimed within the last five years, then you may qualify for a claims-free discount. Typically, a claims-free discount gives you 15% to 30% off car insurance premiums until you get into an accident.

Amica offers some of the most competitive claims-free auto insurance discounts, rewarding safe drivers with significant savings on their premiums.

With most car insurance companies, claims-free discounts are among the most significant discounts available. Car insurance companies have different claims-free discount policies. Additionally, some car insurance companies offer claims-free discounts in some states but not others. Talk to your car insurance company to determine if you qualify for a claims-free discount.

Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.