Compare Car Insurance Companies That Give Rewards for No Accidents [2021]

The top car insurance companies that give rewards for no accidents are Allstate and GEICO. The car insurance discounts to ask for if you’re a responsible driver include claim-free, defensive driver, driver’s ed, and good or safe driver deals. Investing in accident forgiveness car insurance also prevents your rates from increasing after experiencing your first collision.

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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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Founder & CFP®

UPDATED: Sep 23, 2021

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Here's What You Need to Know

  • The best car insurance companies that give rewards for no accidents are Allstate and GEICO
  • The General, Esurance, Country Financial, and 21st Century do not offer accident forgiveness programs
  • Safe drivers can also earn claim-free, good driver, defensive driver, and driver’s ed discounts

The top car insurance companies that give rewards for no accidents are Allstate and GEICO. You can save up to 40% on your annual premiums by using an insurer that provides you with discount car insurance for your safe driving choices.

So if your driving record is clean, don’t buy car insurance from companies that don’t give rewards for no accidents.

Instead, keep reading to compare the best providers for responsible drivers and learn how discounts can help you earn your cheapest rates.

After learning about rates from car insurance companies that give rewards for no accidents, find the best provider for you by entering your ZIP code into our free quote tool above.

What are the best car insurance companies that give rewards for no accidents?

Safe driving doesn’t just save you money on car insurance; it also saves lives.

According to data from the National Highway Traffic Safety Administration (NHTSA), despite people driving less, fatal accident rates increased in 2020.

The study sites improper seat belt use, speeding, and drunk driving as contributing factors. To incentivize responsible driving choices, car insurance companies reward safe drivers with several perks.

Those perks include lower base quotes, responsible driver discounts, and accident forgiveness programs.

Below is a compilation of our top recommended providers that offer accident forgiveness programs as well as essential responsible driver discounts, including:

  • Claim-free discount: To qualify, you must not file any insurance claims for several years
  • Defensive driver discount: For drivers over age 25, enroll in an approved course to earn this deal
  • Driver’s ed discount: For drivers under 25, enroll in an approved course to earn this deal
  • Good or safe driver discount: Remain accident-free to earn a rate reduction

Our number-one recommended provider for accident forgiveness car insurance that is not free is Allstate Car Insurance Company.

Allstate offers Gold and Platinum “your choice” policy add-ons as accident forgiveness packages.

While details vary by state, the Gold package forgives a single policy every three years. Platinum allows for an unlimited number of forgiven accidents.

Platinum members keep safe driver discounts even after an accident is forgiven, plus there’s no surcharge. You also receive a diminishing deductible feature.

Another great choice is GEICO Car Insurance Company; the provider dismisses one accident every three to five years, and customers also get to keep their good driver discount. Like Allstate, this is a policy add-on.

Unfortunately, it’s not available in all 50 states, and eligibility requirements vary widely depending on where you live.

Our top free accident forgiveness program is from Progressive Car Insurance Company. After six months with the provider, customers qualify for free accident forgiveness for claims totaling less than $500.

If you remain claim and accident-free for five years, you qualify for forgiveness on higher-cost claims.

Liberty Mutual Car Insurance Company also offers free accident forgiveness. To qualify, you must be a loyal Liberty Mutual customer who’s remained accident-free for five years.

However, you only get one forgiven accident every five years, and availability varies by state.

Ultimately, car insurance quotes vary depending on your age, driving record, state laws, ZIP code, and coverage needs.

So if our top providers aren’t right for you, check out our honorary mentions:

To secure your best car insurance company that gives rewards for no accidents, compare quotes online from more than one provider and ask about additional car insurance discounts.

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How can safe drivers save money on car insurance?

If your driving record is flawless, but you use a car insurance company that doesn’t give rewards for no accidents, you may be missing out on easy discounts.

The best car insurance discounts to ask for to be rewarded for no accidents are claim-free, defensive driver, driver’s ed, and good or safe driver discounts.

Plus, nowadays, almost every national provider also offers an accident forgiveness policy to customers.

However, affordable car insurance companies that don’t give rewards for no accidents via forgiveness include:

For your convenience, we compiled information about the driver discounts listed above from every provider with an accident forgiveness program and gathered those details in the table below.

Car Insurance Driver Discounts Offered by Provider
CompaniesClaim-Free DiscountSafe Driver DiscountDefensive Driver DiscountDriver's Ed Discount
AAAYesYes - 20%Yes - 5%Yes
AllstateYes - 35%YesYes - 10%Yes - 10%
American FamilyYesYesYes - 10%Yes
AmeripriseYesYesYesNo
AmicaYesYesYes - 5%Yes - 5%
FarmersYesYesYesYes
GEICOYes - 26%Yes - 22%YesYes
Liberty MutualYesYesYes - 10%Yes - 10%
NationwideYes - 10%YesYes - 5%No
ProgressiveYesYesYes - 10%Yes - 10%
Safe AutoYes - 10%YesYes - 10%Yes - 10%
SafecoYes - 20%YesYes - 5%Yes - 5%
State FarmYes - 15%YesYes - 5%Yes - 15%
The HanoverYes - 15%NoYes - 5%Yes - 5%
The HartfordYesYesYes - 10%Yes - 3%
TravelersYes - 23%Yes - 10-23%Yes - 10%Yes - 8%
USAAYes - 12%YesYes - 3%Yes - 3%

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As you can see, there are plenty of affordable car insurance companies that give rewards for no accidents.

However, while discounts are free to earn, not all accident forgiveness programs are free.

Accident forgiveness is a nice perk, but weigh the pros and cons of paying for this service; some people feel it’s similar to paying for insurance on your insurance.

If you’re happy with your coverage and rates, it’s not worth switching providers simply for an accident forgiveness program.

It’s also possible you’ll earn better car insurance quotes from companies that don’t give rewards for no accidents.

Or you might consider using a pay-per-mile or usage-based insurance program for personalized rates based on your driving habits, like Allstate’s Drivewise.

On the other hand, high-risk drivers may need specialized insurance, especially if traditional companies deny your application.

The best high-risk car insurance companies include GEICO and USAA. However, high-risk drivers pay around $600 more annually for coverage.

Car Insurance Companies That Give Rewards for No Accidents: The Bottom Line

If you’re a safe driver with a clean driving record, try to buy car insurance from companies that give rewards for no accidents.

Your responsible driving choices mean you pay less for insurance than high-risk drivers who have poor driving records, bad credit, or own high-powered vehicles.

But remember, for drivers who get better car insurance rates from companies that don’t give rewards for no accidents, it might not be worth switching to a provider just for an accident forgiveness program.

Now that you’ve learned about quotes from car insurance companies that give rewards for no accidents, enter your ZIP code into our free tool below to compare reputable rates from the best companies near you.

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

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