Cash Back Car Insurance

Available in Great Britain, cash back car insurance is similar to the discounts offered by many car insurance companies. Compare quotes now by entering your ZIP below.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 4, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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.

Here's what you need to know...

  • There are specific programs in the UK where you can get cash back by purchasing a certain type of insurance
  • In the US, discounts may take a bit longer, but they last the duration of your insurance policy
  • Regardless of where you live, you should always research discounts you may qualify for in order to save money on your insurance coverage


If you are looking to get some cash back, car insurance discounts are the way to go. It doesn’t take much effort to search for discounts to apply to your policy, and you can keep searching even while your policy is in effect.

Experts recommend reviewing your insurance rates yearly, asking for discounts, and comparing your options.

Enter your ZIP code in the box above to get online car insurance quotes from multiple companies now!

What Are Some Car Insurance Discounts in America?

Many times you might buy car insurance only to have your needs change in six months. You might have moved, bought a new car, or made some repairs that made your car safer. All these could lower your insurance rates.

So whenever you have a change in your life that might affect your car insurance, contact your insurer and tell the agent.

We all look for discounts when searching for car insurance, but once we choose an insurance company and buy a policy, we tend to just pay the monthly premium and forget about the plan until we need it.

This is not a good idea. Insurers are continuously developing new discounts.

You might qualify for some and can ask for them throughout the term of your policy. Periodically checking your insurance company’s discounts could help you get some cash back.

Here are two basic money-saving tips:

  • Improve Your Credit – Car insurance companies might reduce your premiums if you are able to better your credit score. If a bad credit score caused your insurance company to give you higher rates, work on improving your score.
  • Go Back to School – Most insurance companies offer discounts for having a driving course on record. If you didn’t take one before you bought your policy and are trying to get cash back on your car insurance, sign up for one.

Although you may not have known about the previous ways to save money on car insurance, now that you’ve read about them, the reasoning behind them might be understandable to you.

There are two less obvious ways to save money on your car:

  • Get Good Grades – You may have heard that insurers offer Good Student discounts. If your children do well in school, you should tell your insurer and see if that can get you cash back on your car insurance.
  • Brag about Your Job – The second way is to tell your insurance company about your occupation. Insurers base your premiums on what you do for a living. People in some industries — such as teaching — may receive lower car insurance rates.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Getting Money Back Across the Seas

In America, you have to rely on car insurance discounts to get your money back. However, in the UK, you can get cash back just by purchasing car insurance through a third party.

If your current insurance company doesn’t have a cash back program, some websites offer from ₤25.00 (about $40.00) to ₤150.00 (about $240.00) cash back for comparing insurance companies’ policies and buying one through them.

Make sure the comparison site, not the insurance company, pays the amount so you know where the money is coming from.

  • Be cautious when looking for and using cash back car insurance. Don’t choose a policy just for the cash back bonus.
  • Cash back car insurance isn’t the easiest or quickest way to save money on car insurance.
  • Once your money is in your account, withdraw it because the insurance companies don’t have to leave it there if they need it.

Cash Back Car Insurance

Although the British option of cash back car insurance sounds good on the surface, American insurance companies’ car insurance discounts are easier and save you more money in the long run.

The American method of offering discounts for specific things, such as taking a driving course, might be a little time-consuming to research, but once you get the discounts, they are on-going.

In addition, you can continue to search for and request discounts even after you buy your insurance policy.

On the other hand, British cash back car insurance doesn’t seem to be worth the effort.

Their comparison websites make you go through hoops to ask for your money back, and it isn’t guaranteed even after you request it. Plus, it is a one-time reward — and a low one too. In the scheme of things, ₤150 isn’t much in savings.

Enter your ZIP code below to access car insurance rates from multiple companies today!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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