Safe Driver Discount

Get Safe Driver Insurance Discounts From The Hartford

At The Hartford, we believe in rewarding safe habits behind the wheel. You can save up to 10% on your car insurance if you have a clean driving history for at least five years. We also offer exclusive benefits and auto insurance discounts just for being an experienced driver.
Author: Wendy Mitzel
Reviewed By:
Ben Ewbank
Ben Ewbank,Head of Personal Lines State Product and Pricing, The Hartford
Ben Ewbank
Head of Personal Lines State Product and Pricing at The Hartford.
LinkedIn Profile
Updated: 06/02/2026
Read Time: 4 minutes
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Key Takeaways

  • It’s important to research the safe driver discounts auto insurance companies offer to ensure you’re getting rewarded for your safe driving history.
  • At The Hartford, we help safe drivers save money. By having no collisions, at-fault accidents or violations for at least five years on your driving history, you can save up to 10% on your auto insurance policy.
  • If you have certain safety features in your vehicle or take defensive driving courses, you could get additional safety discounts from The Hartford.

How To Qualify for a Good Driver Discount

There’s more to being a good driver than just keeping your eyes on the road. Drivers who keep themselves and others out of harm’s way can save money on their car insurance with a safe driving discount. But these car insurance discounts may not be offered by every auto insurer. For those that do provide these benefits, requirements can vary. To find out about the safe driver discounts insurance companies offer, you may want to shop around and compare quotes. Most of the time, however, you’ll need:
 
  • A clean driving history: Typically, insurers will require consecutive years of safe driving and a claims-free history to qualify for a safe driver discount.
  • A claims-free history: Some insurers require no filed claims during the qualifying period.
  • To complete an approved driving course: Programs like the AARP Smart Driver course can unlock additional premium discounts.
With AARP® Auto insurance from The Hartford,1 AARP members who maintain a clean record for at least five years can save up to 10% on their auto insurance policy.
 
It’s important to thoroughly review your policy regularly and to explore your options for good driver discounts. It’s convenient to do this when your policy is up for renewal. To find out what safe driver discounts you’re eligible for, call The Hartford at 888-546-9099.
driver happy with safe driver auto insurance discounts from The Hartford

Types of Safe Driver Auto Insurance Discounts

From refreshing your driving skills to obeying the rules of the road, there are several ways to earn good driver discounts with AARP Auto Insurance from The Hartford.

Clean Driving Record Discount

You can save up to 10% on your auto insurance policy by having no collisions, at-fault accidents or violations for at least five years on your driving history. This discount is applied automatically if you qualify, so there’s no additional enrollment needed.
 

Defensive Driving Course Discount

If you’ve completed an approved defensive driving course such as the AARP Driver Safety Course, you can enjoy a defensive driving discount of up to 5% on your car insurance for the next three years.
 
You can also get a discount on your car insurance rate for drivers who are under 21 years old (under 25 in Georgia) who finish an approved training course. To learn more, call The Hartford’s representatives at 888-546-9099.
 

Vehicle Safety Features Discount

If your car has safety features, like anti-lock brakes or anti-theft devices, you can receive even more savings.
 

Usage-Based Driving Discount: TrueLane

The Hartford’s TrueLane Program rewards drivers based on how many miles they drive safely. You’ll save up to 15% when you sign up within 60 days of your first policy. Plus, you could earn a renewal discount of up to 40%, depending on your safe driving habits. Riskier habits may result in a higher premium.^
 

Additional Benefits for Safe Drivers

At The Hartford, we know even the safest drivers can’t avoid an accident. That’s why we offer these additional benefits to help get you back on the road:
 
  • New car replacement coverage can help if you total your new car. We’ll even pay the cost to replace it with a new car of the same make, model and equipment without subtracting anything for depreciation.§§
    RecoverCare§ coverage helps pay for home services, like house cleaning, if you’re injured in an accident and can’t do them yourself.
    Lifetime car repair assurance gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.
  • Disappearing Deductible, an optional benefit, reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.‡
  • Rental Car Reimbursement Coverage, also called transportation expense coverage, helps pay for a rental car while your vehicle is in the shop after an accident.
  • Accident Forgiveness excuses your first accident if you need to file a claim, as long as all drivers on your car insurance policy have a clean driving record and are accident-free for five straight years.‡

Is a Safe Driver Discount Worth It?

For most drivers, a safe driver discount is worth it because of the savings on your car insurance rate.
 
Here’s a simple way to think about it:
 
  • If your annual premium is $1,500, a 10% clean record discount saves you $150 a year.
  • Adding a 5% defensive driving discount saves an additional $75 a year.
  • Enrolling in a usage-based program, like TrueLane, could save you up to 40% at renewal.
In addition to savings on your car insurance premium, safe driver programs encourage habits that help reduce the likelihood of accidents, which can help you avoid rate increases in the future. For AARP members insured through The Hartford, these discounts and benefits are designed to specifically reward experienced, safe drivers.
 

How To Get a Safe Driver Discount With The Hartford

Getting your safe driver discount with The Hartford is easy.
 
  1. Get a quote. Start by getting a free car insurance quote online or by calling 888-546-9099.
  2. Confirm your eligibility. If you’ve had no at-fault accidents, collisions or violations in the past five years, you can qualify for the clean record discount.
  3. Submit your defensive driving certificate. If you’ve completed the AARP Driver Safety Course or another approved program, send The Hartford your certificate to qualify for the discount.
  4. Enroll in TrueLane. You can enroll in TrueLane within 60 days of your first policy to get an immediate discount of up to 15%, with the potential to earn up to 40% at renewal.^
  5. Review your policy regularly. Safe driver discounts may change as your driving history evolves. It’s a good idea to review your eligibility each time your policy renews.

Get a Safe Driver Discount

For over 40 years, The Hartford has been helping AARP members save money by offering exclusive benefits and savings just for experienced drivers. To see if you qualify for safe driver discounts, get a car insurance quote online or call The Hartford at 888-546-9099 Don’t forget you can save time when you buy car insurance online.

Frequently Asked Questions About Safe Driver Insurance Discounts

Safe drivers follow the rules of the road, are cautious and practice good driving characteristics, like:
 
  • Staying alert
  • Driving the speed limit
  • Staying off the road in bad weather or conditions
  • Keeping your distance
  • Avoiding tailgating
  • Always wearing your seat belt
  • Paying attention to traffic
  • Looking both ways
  • Keeping your headlights on
  • Putting your phone away
  • Never drinking and driving
  • Staying focused and minimizing distractions
To qualify for safe driving discounts that will reduce your costs, like in the form of a safe driver rebate, you typically can’t have collisions or at-fault accidents for at least five years. You’ll also need to be violation free. If you’ve had a car accident during this time, you may not qualify for these benefits. However, this ultimately depends on the insurance company you work with.
  The costs for defensive driving courses can vary. Generally, they are around $15 to $100, and completing these courses gives you a three-year premium discount.
By completing the AARP Driver Safety Course, you’ll get a discount of up to 5% on your car insurance for the next three years. Just send The Hartford a copy of your certificate, and we’ll apply the credit to your car insurance premium.

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^ Not available in all states, terms and conditions apply.
** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.