Safe Drivers
Save Big

Good Driver Mutuality is not insurance!

It's a cooperative network where members share automotive loss

Good Driver Mutuality is not insurance!

It's a cooperative network where members share automotive loss

How can GDM help?

If you’re in a car crash

The costs to repair the damage or actual cash value of your car if it's a total loss

If your glass is damaged

Repairs for windshields, moonroofs, and more

If you don’t have a spare car

We provide transportation assistance to help you with taxi rides and car rentals.

If your car is stolen

The actual cash value (ACV) of your car

If the unexpected happens

Damage from fires, weather, vandalism, and more.

Please be aware: You are still required to have mandatory liability insurance to legally drive on the road.

Please be aware: You are still required to have mandatory liability insurance to legally drive on the road.

Please be aware: You are still required to have mandatory liability insurance to legally drive on the road.

The great benefits of GDM

Good Drivers Deserve Big Savings
Save Up to 40%!
Good Drivers Deserve Big Savings
Save Up to 40%!
Good Drivers Deserve Big Savings
Save Up to 40%!
A Network Where Members
Help Each Other!
A Network Where Members
Help Each Other!
A Network Where Members
Help Each Other!
A Smarter Incentive System That
Rewards Good Drivers!
A Smarter Incentive System That
Rewards Good Drivers!
A Smarter Incentive System That
Rewards Good Drivers!
Invite Friends, Reap Rewards,
Build Connections!
Invite Friends, Reap Rewards,
Build Connections!
Invite Friends, Reap Rewards,
Build Connections!

Save money without compromising on quality

GDM works with top partners to offer Quality Service at fair prices

GDM works with top partners to offer Quality Service at fair prices

Field inspections & appraisals, virtual appraisals, and desk reviews

Field inspections & appraisals, virtual appraisals, and desk reviews

A global online auto auction company specializing in the sale of salvage and used vehicles.

A global online auto auction company specializing in the sale of salvage and used vehicles.

A global online auto auction company specializing in the sale of salvage and used vehicles.

A digital platform for managing collision repairs, offering seamless communication between drivers and repair shops.

A digital platform for managing collision repairs, offering seamless communication between drivers and repair shops.

Services: Total loss valuations. Specialty Vehicle Valuation Services, Diminished Value Appraisals, Right of Appraisals

Services: Total loss valuations. Specialty Vehicle Valuation Services, Diminished Value Appraisals, Right of Appraisals

Services: Total loss valuations. Specialty Vehicle Valuation Services, Diminished Value Appraisals, Right of Appraisals

Specializing in mobile diagnostics, calibration, and repair services.

Specializing in mobile diagnostics, calibration, and repair services.

A global provider of technology solutions for the automotive management, focusing on repairs and vehicle lifecycle optimization.

A global provider of technology solutions for the automotive management, focusing on repairs and vehicle lifecycle optimization.

A leading provider of aftermarket automotive parts, offering a wide range of products to repair and maintain vehicles.

A leading provider of aftermarket automotive parts, offering a wide range of products to repair and maintain vehicles.

A leading provider of aftermarket automotive parts, offering a wide range of products to repair and maintain vehicles.

Provide advanced solutions for vehicle diagnostics, telematics, and fleet management to improve operational efficiency.

Provide advanced solutions for vehicle diagnostics, telematics, and fleet management to improve operational efficiency.

A leading provider of auto glass repair and replacement services, offering mobile and in-shop solutions for drivers across the United States.

A leading provider of auto glass repair and replacement services, offering mobile and in-shop solutions for drivers across the United States.

A leading provider of auto glass repair and replacement services, offering mobile and in-shop solutions for drivers across the United States.

A service platform to access, manage and track field inspections.

A service platform to access, manage and track field inspections.

Vendor-neutral technology platform that provides Members with a wide-ranging network of alternative transportation options and rental car providers.

Vendor-neutral technology platform that provides Members with a wide-ranging network of alternative transportation options and rental car providers.

Vendor-neutral technology platform that provides Members with a wide-ranging network of alternative transportation options and rental car providers.

Over 5,000 in-network repair shops

With extensive experience serving major auto insurance companies

Verified auto parts only

We require CAPA certified parts to ensure quality and safety standards

Each repair comes with a Lifetime Warranty as long as you own the car!

GDM uses alternative (non-OEM) parts and requires repairs at in-network shops except in special cases

Invite Good Drivers to earn Good Rewards

By referring GDM to responsible drivers, you help strengthen our community and promote road safety. And you deserve amazing rewards in return!

By referring GDM to responsible drivers, you help strengthen our community and promote road safety. And you deserve amazing rewards in return!

Good to know...

GDM is an innovative product with fresh concepts.

Here's a quick overview of the key points to help you get started.

GDM is an innovative product with fresh concepts.

Here's a quick overview of the key points to help you get started.

What's GDM?

Tired of paying for collision and comprehensive insurance that you rarely even use? Welcome to GDM! A revolutionary alternative to traditional collision and comprehensive coverage!

Does GDM have a proven track record?

Rest assured! Some of the biggest VCs, including Ribbit Capital and Hedosophia (the same investors behind Spotify, SpaceX, Robinhood, and Coinbase), have made significant investments in GDM. Why? Because our tech-driven model is opening the door to significant savings for members—transforming safe drivers into smart savers.

What should I do if I’m in an accident?

Don't worry, we make it easy! Just open the GDM App → click the 'Report an Incident' button → then upload a few quick details. An advisor will contact you and guide you through the rest of the process!

If a third party is liable for my vehicle loss in an at-fault state, can I submit a sharing request?

First, be sure to obtain the at-fault party's insurance information and seek compensation from their insurer. If there are additional accidental damages not covered, you can submit a sharing request with GDM to help cover the gap.

How do I save with GDM?

Saving with GDM is simple! GDM operates similarly to mutual aid, where, after a small service fee, you only contribute to actual accident costs, saving the rest! This model allows some accident-free members to save up to 40% of their original quote!

What is the pledge amount?

Your pledge amount is 80% of your quote—(the other 20% is the service fee) - this is the portion you're committing to share with the community for accidental cost needs. In reality, most good drivers who remain accident-free may save up to half of their pledge amount!

What if I want to cancel my plan?

No hard feelings! Cancel anytime in the GDM app. If you cancel before your plan starts, you'll automatically receive a full refund of your service fee.

Since I’m contributing to others' accidental costs, can I view the details of each eligible event?

Absolutely! Once repair costs are incurred, you can view details of each eligible event on the GDM app. The public announcement period runs for 7 days every Monday, allowing you to see photos and, in some cases, shop invoices (with all personal information anonymized).

Do I meet the qualifications to join GDM?

Want to join GDM? Most cars and drivers in the US are eligible, but there are a few criteria to keep in mind, such as your vehicle's eligibility and accident history. To find out, simply download the GDM app and get a free quote!

How does GDM make sure my personal information is safe?

Great question! The GDM App encrypts all your personal information and secures it with a 6-digit PIN that you set yourself.

What happens if my payment method doesn't have enough funds for weekly sharing?

Let's avoid that! But if, for any reason, your payment method declines the small weekly sharing amount, we'll notify you via email and provide a 14-day Grace Period to resolve the issue. If the payment is not cleared within 14 days, it will be considered a voluntary withdrawal from the plan.

Why are there multiple announcements for a single eligible event?

Repairing cars is like solving a puzzle—sometimes hidden damage appears after the work begins. We update costs as needed based on additional repairs and may occasionally hold a second sharing if necessary.

©2025 Good Driver Mutuality Inc. All Rights Reserved.

©2025 Good Driver Mutuality Inc. All Rights Reserved.

©2025 Good Driver Mutuality Inc. All Rights Reserved.