Does National General offer safe driving discounts? (2025)
National General offers safe driving discounts of up to 23% for safety features, going accident free, and for low mileage. For instance, National General DynamicDrive, the company's usage-based program, could lower your rates if you drive safely. See how safe drivers can save with National General insurance below.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jun 18, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- National General offers discounts for safe drivers of up to 23%
- Save with Nat Gen’s anti-theft, low mileage, and safe driving discounts
- Policyholders who use an app to monitor their driving behavior can save
Does National General offer safe driving discounts? Yes, you can save up to 23% for with Nat Gen safe driving discounts, such as anti-theft, defensive driving, low mileage, usage-based, and safe driver discounts.
Learn More: Low-Mileage Auto Insurance Discount
Ready to compare safe-driving options for affordable auto insurance? Simply enter your ZIP code into our free quote comparison tool above to get started.
National General Offers Discounts for Safe Driving
Like many other insurance companies, National General offers safe drivers many auto insurance discounts for affordable coverage. For instance, you can save if you have safety features in your car or haven’t had an accident in a while.
National General Auto Insurance Discounts for Safe Drivers by Savings Amount| Discount Name | Percentage Savings |
|---|---|
| Anti-Theft Discount | 23% |
| Defensive Driving Discount | 10% |
| Low Mileage Discount | 10% |
| Safe Driver Discount | 22% |
| Usage-Based Discount | 22% |
As you can see, drivers can save up to 22% with the National General insurance safe driver discount if they go without a claim for a certain period. Also, you can save 10% for passing a Nat Gen-approved defensive driving course.
Keep reading to learn more about each safe driving discount in depth.
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Safe Drivers Can Save With National General’s DynamicDrive Program
National General offers a usage-based insurance program that rewards policyholders who use a monitoring app with lower rates. The program is known as “DynamicDrive,” which could lower your car insurance rates if it finds you drive safely.
Check out the table below to see how much you could save with National General’s usage-based insurance vs. other top providers:
Usage-Based Auto Insurance Savings by Provider| Insurance Company | Program Name | Device Type | Sign-up Discount | Earned Savings |
|---|---|---|---|---|
| AAA | AAADrive | Mobile App | 15% | 30% |
| Allstate | Drivewise | Mobile App | 10% | 40% |
| American Family | KnowYourDrive | Mobile App or Plug-in | 10% | 20% |
| Esurance | DriveSense | Mobile App | 5% | 30% |
| Geico | DriveEasy | Mobile App | 20% | 25% |
| Liberty Mutual | RightTrack | Mobile App or Plug-in | 5% | 30% |
| MetLife | My Journey | Plug-in | 10% | 30% |
| Mile Auto | Mile Auto | Neither | 20% | 40% |
| National General | DynamicDrive | Mobile App | 10% | 22% |
| Nationwide | SmartRide | Mobile App or Plug-in | 10% | 40% |
| Progressive | Snapshot | Mobile App or Plug-in | $25 | 20% |
| State Farm | Drive Safe & Save | Mobile App or Plug-in | 5% | 30% |
| The Hartford | TrueLane | Plug-in | 5% | 25% |
| Travelers | IntelliDrive | Mobile App | 10% | 20% |
| USAA | SafePilot | Mobile App | 5% | 20% |
To take advantage, you need to enroll in the program and will then download an app for your iPhone or Android device. The company will then email you an activation code which you enter into the National General safe driving app.
Once you have finished the setup instructions, the app will send the company data about each trip you take.
If you indicate that you're a safer driver through your driving habits, you could lower your auto insurance premiums. However, enrolling in the National General DynamicDrive program automatically saves you up to 10%.
Brad Larson Licensed Insurance Agent
If you don’t like the idea of devices automatically tracking your driving habits, you may want to know about affordable auto insurance companies that don’t monitor your driving.
Lower Your Nat General Rates With a Good Driving Record
In addition, drivers who have fewer traffic violations over a given period or make fewer claims may take advantage of lower rates when they renew their insurance. These rates will vary from state to state and customer to customer, so you’ll need to ask the company for specific details.
If you want to know more about violations and your driving record, learn how a DUI affects your auto insurance rates, for example.
Cars With Safety Features Qualify for National General Discounts
If eligible, you could also get lower rates when you fit safety devices to your vehicle that can reduce your risk. When your vehicle already has certain safety devices on board, you should tell National General so you may qualify for a discount.
Some of these safety features include:
- Air bags
- Anti-lock brakes
- Anti-theft devices
Wondering how much an air bag auto insurance discount will save you with National General? Call a National General representative to learn more.
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Safe Drivers Get Cheap National General Car Insurance Rates
You can take advantage of several programs offering discounts through National General if you can show that you are a safe driver. For example, you can enroll and download an app to communicate your driving habits to the company.
In addition, you can save if you have fewer traffic violations or accidents or fit certain safety devices to the vehicles you insure.
Learn More: Clean Driving Record for Auto Insurance
However, the amount you can save will vary, and some discounts may not be available in all states. Enter your ZIP code into our free comparison tool below to see how much safe driving discounts could lower your National General quote.
Frequently Asked Questions
How much is the Dynamic Drive discount?
You can save up to 22% for good driving through National General’s DynamicDrive program and a 10% discount for initial enrollment. However, Dynamic Drive with National General could also raise your rates if you drive poorly.
Does National General have a student discount?
Yes, students of a certain age who achieve a B average qualifies for a good student discount with National General. These discounts will vary by state.
Learn more about this subject here: “Student Auto Insurance Discount: Save on Auto Insurance”
What are the National General discounts?
There are many ways to save on auto insurance with National General, by bundling auto with homeowners’ insurance, paying in full, or qualifying for a low mileage saving. You can also benefit if you have multiple vehicles on your policy or choose paperless billing.
Can you save money on your insurance with better credit?
Some states feature a confidential ranking where they calculate an insurance score based on certain factors found within a consumer credit report. These companies may use this information to determine insurance rates.
Are Safe Auto and National General the same?
Yes, in 2021, SafeAuto and National General were acquired by Allstate. Check out our review of Allstate insurance to see if the company is a right fit for you.
Why is National General insurance so cheap?
National General offers various ways for safe drivers to save on their coverage, including with auto insurance discounts such as safe driver, good student, paid-in-full, and paperless.
Enter your ZIP code into our free quote tool below to compare your National General rates against the top competitors in your area.
Can Dynamic Drive increase insurance?
Yes, while most drivers get a discount with DynamicDrive, you could see a surcharge when renewing if you exhibit poor driving behaviors through the program.
What is the discount percentage for the good driver discount with National General?
You could save up to 22% with National General’s safe driver discount if you go claims-free for a certain period.
Is NatGen Premier the same as National General?
Yes, NatGen Premier is a subsidiary of National General, an Allstate company. NatGen Premier offers high-end coverage for affluent policyholders, with policies for auto, homeowners, umbrella insurance, and more.
Learn More: How much auto insurance coverage do high net worth individuals need?
Should I let insurance track my driving?
Allowing a car insurance company to monitor your driving behavior could lead to lower rates if you drive safely. However, you should consider your driving habits before enrolling in usage-based insurance.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.