Non-Smoker and Non-Drinker Car Insurance Discount: How Much You Can Save in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 1, 2021

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Key Takeaways

  • Smoking and drinking are potentially dangerous behaviors that could increase your risk of getting in a car accident
  • A non-smoker/non-drinker car insurance discount will typically save you between 1 percent and 3 percent on your rate
  • Look for other safe driving discounts to maximize your savings

If you’re a non-smoker or a non-drinker, you’re probably aware of the health benefits you receive by abstaining from these substances. But did you know abstaining from tobacco and alcohol can also lead to a non-smoker/non-drinker car insurance discount?

The reason car insurance companies offer discounts for non-smokers and non-drinkers is that drinking and smoking can increase your chances of getting in a car accident.

If you want to maximize your savings, look for other safe driving discounts as well. You should also consider which cars are cheapest to insure.

Keep reading below to find out why some companies offer non-smoker/non-drinker car insurance discounts and how much you can save. But before you do, enter your ZIP code into our free comparison tool above to find affordable non-smoker/non-drinker car insurance near you.

Why do some companies offer a non-smoker/non-drinker car insurance discount?

Have you ever wondered what determines the price of car insurance?

Well, when it comes to car insurance, your rates are determined by judging how much of a risk you are to your insurer.

Many different factors go into determining the risk you present to your insurer. For example, your age, gender, location, and driving history are all evaluated when determining your car insurance rate.

Drinking and driving is one of the highest-risk activities an individual can engage in. Not only could you injure yourself or another person, but if caught, you could be facing hefty fines, have your license revoked, and even wind up in jail.

Similarly, if you are smoking while driving, then you are not focused entirely on driving and this could lead to an accident. According to the Insurance Information Institute, distracted driving accounts for 8 percent of all fatal crashes across the nation.

As a non-drinker or a non-smoker, you are less likely to engage in these distracted driving activities, and car insurance companies will reward you for presenting them with less risk.

How much is a non-smoker/non-drinker car insurance discount?

The many benefits of being a non-drinker include better sleep, more energy, better moods. and better health overall. But did you know being a non-drinker can also help you save on car insurance?

While not many insurance providers offer a non-smoker/non-drinker car insurance discount, any discount you can qualify for when trying to lower your car insurance premium is worth it.

Although the non-smoker/non-drinker car insurance discount typically only saves you between 1 percent and 3 percent on your car insurance premium, combining this discount with other safe driving discounts can really add up.

Now that you know about non-smoker/non-drinker car insurance discounts, you’re better prepared to buy car insurance. Enter your ZIP code into our free comparison tool below to find affordable car insurance quotes in your area today.

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