Driving safely isn’t just good for your health and the safety of others—it can also put money back in your pocket. Many insurance providers reward responsible drivers with safe driver discounts , potentially saving you hundreds of dollars each year. If you live in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , or Chandler , understanding how these discounts work can help you make smarter decisions about your auto coverage.

Safe driver discounts are incentives offered by insurance companies to policyholders with a clean driving history. While eligibility requirements vary by insurer, these discounts generally apply if you:

Have no recent at-fault accidents Maintain a clean motor vehicle record (no speeding tickets or moving violations) Avoid DUI/DWI convictions Consistently renew your policy with no claims

These discounts can range from 10% to 30% off your premium , depending on the insurer and your driving history.

If you’re looking to qualify for a safe driver discount in Arizona , here are some steps you can take:

Follow Traffic Laws – Obey speed limits, traffic signals, and other road rules. Take a Defensive Driving Course – Some insurers offer discounts for completing an approved course. Use a Telematics Program – Consider enrolling in a usage-based insurance (UBI) program that monitors your driving habits via a mobile app or device. Stay Claims-Free – The longer you go without filing a claim , the better your chances of earning or keeping a discount.

Whether you're commuting through Phoenix traffic, navigating the scenic routes of Tucson, or driving your kids to school in Chandler, being a safe driver pays off. Not only are you protecting yourself and others, but you're also reducing your financial risk and potentially cutting insurance costs.

Safe driver discounts can often be stacked with other savings opportunities, such as:

Multi-Policy Discounts (bundle auto and home ) Good Student Discounts for young drivers with high grades Low-Mileage Discounts if you don’t drive often Loyalty Discounts for long-term policyholders

At Riseson Insurance , we work with multiple top-rated insurance carriers to find the best rates and discounts for our clients across Maricopa and Pima. Whether you’re a seasoned driver or newly licensed, we’ll help you explore every discount you qualify for, including safe driver incentives.

Reach out to Riseson Insurance in Tempe to get a quote today at 602-460-5470.

What Are Safe Driver Discounts?

How to Qualify for Safe Driver Discounts

Why It Matters for Arizona Drivers

Combine Discounts for Bigger Savings

Let Riseson Insurance Help You Maximize Your Savings

• Have no recent at-fault accidents
• Maintain a clean motor vehicle record (no speeding tickets or moving violations)
• Avoid DUI/DWI convictions
• Consistently renew your policy with no claims

1. Follow Traffic Laws – Obey speed limits, traffic signals, and other road rules.
2. Take a Defensive Driving Course – Some insurers offer discounts for completing an approved course.
3. Use a Telematics Program – Consider enrolling in a usage-based insurance (UBI) program that monitors your driving habits via a mobile app or device.
4. Stay Claims-Free – The longer you go without filing a claim , the better your chances of earning or keeping a discount.

• Multi-Policy Discounts (bundle auto and home )
• Good Student Discounts for young drivers with high grades
• Low-Mileage Discounts if you don’t drive often
• Loyalty Discounts for long-term policyholders