Best Claims-Free Car Insurance Discounts in 2025 (Save up to 20% With These Companies)

The best claims-free car insurance discounts highlight top companies like USAA, known for unrivaled rates, superior service, and exclusive incentives for military families. Allstate stands out with flexible coverage options and reliable claims payments, while American Family offers similar flexibility and rewards loyal customers.

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

Company	Rank	A.M. Best	Claims-Free Discount	Claims-Free Period
	#1	A++	20%	5 years
	#2	A	15%	5 years
	#3	A+	14%	5 years
	#4	A++	13%	5 years
	#5	A++	12%	5 years
	#6	A++	11%	5 years
	#7	A+	10%	5 years
	#8	A+	10%	5 years
	#9	A	9%	5 years
	#10	A	8%	5 years

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. You can also find affordable car insurance quotes tailored to your needs by entering your ZIP code here and comparing top providers.

Qualifications for Earning a Claims-Free Discount

A claims-free car insurance discount—also called a no-claims discount (NCD) or no-claims bonus—is a reward insurers offer to drivers who maintain a clean claims record, typically over a 12-month policy term without filing an at-fault claim. Each consecutive claim-free year usually increases the discount, leading to greater savings while encouraging safe, responsible driving.

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%

To qualify, you must maintain continuous coverage, avoid at-fault claims, and practice defensive driving, including staying alert to road conditions, avoiding distractions, and keeping your vehicle well-maintained.

Most insurers only count at-fault claims against you, and in some cases, even allow you to protect your discount with special endorsements so that minor claims don’t erase your savings. Discover our best car insurance for federal employees for further insights.

Tips to Avoid Losing Your 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.

This coverage allows you to file one or two claims within a set period without impacting your discount. While there may be an added cost, it can offer significant long-term value and peace of mind. For those with several years of claims-free driving, it’s often more cost-effective to pay for minor damage out of pocket to maintain the discount.

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 its financial benefits year after year. Visit our deductible guide to learn more. By entering your ZIP code, you can get instant car insurance quotes from top providers.