Compare Car Insurance Companies That Offer Cash Back for Safe Drivers [2021]

You can save up to 35% on car insurance using safe driver discounts and getting coverage from car insurance companies that offer cash back for safe drivers. To save the most you can combine the discount with others that may be available like a bundled policies discount or customer loyalty discount. While most car insurance companies will lower your rate, Allstate is one car insurance company that actually gives you the safe driver bonus back in the form of a check or a credit on your bill.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Nov 27, 2021

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Here's What You Need to Know

  • Safe drivers can take advantage of big savings on car insurance
  • Allstate gives safe drivers cash back either as a credit or as an actual check
  • Even if you don’t get cash back you can save 35% or more on car insurance if you’re a safe driver

It’s common knowledge that your history as a driver has a big impact on the amount you pay for car insurance. However, did you know car insurance companies are more likely to offer better rates to drivers that are responsible?

Safe driver rewards are a real thing. While there are car insurance companies that offer cash back for safe drivers, actual cash isn’t the usual practice. Most companies will give you a credit to your account.

This guide will show you exactly how you can find affordable car insurance companies that offer cash back for safe drivers. We’ll also show you how to get car insurance discounts for cheaper rates.

Want to buy car insurance from companies that offer cash back for safe drivers? Our free tool will give you instant quotes from car insurance companies that offer cash back for safe drivers; just enter your ZIP code.

Which car insurance companies offer a safe drivers bonus refund?

Most companies will give you lower rates for a safe driving record. However, one well-known car insurance company that offers actual cash back for safe drivers is Allstate.

Allstate will give you a bonus for every six months you go without an accident if you are in its Safe Driving Bonus program.

For other car insurance companies, the name or form that the safe drivers’ cashback will take is different. They may call it a no-claims discount or safe driver discount and give you a lower rate.

Here are some major car insurance companies that offer a safe driver discount:

Car Insurance Discount Availability by Provider
Car Insurance Companies Offering Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise ControlNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNo
Adaptive HeadlightsNoNoNoNoNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoYesNoNo
Anti-lock BrakesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Anti-TheftYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Claim FreeYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Continuous CoverageYesYesYesYesNoYesYesYesYesYesNoNoNoYesYesYesNoNoYesYesYesNo
Daytime Running LightsYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesNoNoNoYesYesYesYes
Defensive DriverYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Distant StudentNoYesYesYesYesYesNoNoYesYesNoNoYesYesNoYesYesYesYesYesYes
Driver's EdYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Driving Device/AppNoYesYesYesNoNoNoYesYesYesYesYesYesNoYesYesNoNoYesYesYes
Early SigningYesNoYesYesNoNoYesYesYesYesNoYesYesYesNoYesNoNoNoYesYesYes
Electronic Stability ControlNoNoYesYesNoYesYesNoYesNoYesYesYesYesNoNoNoNoNoNoNoNo
Emergency DeploymentNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Engaged CoupleNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Family LegacyNoNoNoYesNoYesNoNoNoYesNoYesNoYesNoNoNoNoNoNoNoYes
Family PlanNoNoNoYesNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoYesNoNo
Farm VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Fast 5NoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNo
Federal EmployeeNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNoNoNo
Forward Collision WarningNoNoNoNoNoYesYesNoNoNoYesYesYesYesNoNoNoNoNoYesNoNo
Full PaymentNoYesYesYesYesYesYesYesYesYesYesNoNoYesYesYesYesYesYesYesNo
Further EducationNoNoNoNoYesNoYesYesNoYesYesNoYesNoNoYesNoNoYesNoYesNo
Garaging/StoringNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNoNoNoNoYesYesYes
Good CreditNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNo
Good StudentYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Green VehicleYesNoYesNoNoNoNoYesYesNoYesNoNoNoNoNoNoYesYes
HomeownerYesYesNoNoNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNo
Lane Departure WarningNoNoNoNoNoNoNoNoNoNoYesYesYesYesNoNoNoNoNoNoNoNo
Life InsuranceNoNoYesNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNo
Low MileageNoYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
LoyaltyNoNoNoYesYesYesYesNoNoYesNoYesYesYesNoYesNoYesNoYesNoYes
MarriedNoYesNoNoNoYesYesYesNoNoYesYesYesYesYesYesYesYesNoYesNoYes
Membership/GroupNoYesNoNoYesNoNoYesNoYesYesYesYesNoNoYesNoNoYesYesYesNo
MilitaryNoNoYesNoNoNoNoYesYesYesYesYesNoNoYesYesYesYesNoNoNoYes
Military GaragingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
Multiple DriversNoNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoYesNoNo
Multiple PoliciesYesYesYesYesYesYesYesYesYesYesYesYesYesYesNoYesYesYesYesYesYesYes
Multiple VehiclesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
New AddressNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
New Customer/New PlanNoNoNoNoNoNoNoNoNoYesYesNoNoYesNoNoNoNoNoNoNo
New GraduateNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Newer VehicleYesYesYesNoNoNoYesYesYesYesNoYesYesYesYesYesYesNoNoYesYesYes
Newly LicensedNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
NewlywedsNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNo
Non-Smoker/Non-DrinkerYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Occasional OperatorNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYes
OccupationNoNoYesNoNoNoYesYesYesYesYesYesYesNoNoYesYesYesYesNo
On Time PaymentsNoNoYesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoYesYesNo
Online ShopperNoNoNoNoNoNoNoYesNoNoNoNoNoYesNoNoNoNoNoNoNoNo
Paperless DocumentsNoNoYesYesNoYesNoNoYesNoNoYesYesYesNoNoNoNoNoYesNoNo
Paperless/Auto BillingNoNoYesYesNoYesNoYesYesNoYesYesYesYesYesYesYesYesYesYesYesYes
Passive RestraintYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
Recent RetireesNoNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoYesNoNo
RenterNoNoNoNoNoYesNoYesNoNoNoYesNoNoNoNoNoNoNoNoNoNo
Roadside AssistanceNoNoNoNoYesNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Safe DriverYesYesYesYesYesYesNoYesYesYesNoYesYesYesYesYesYesYesNoYesYesYes
Seat Belt UseNoNoNoNoNoNoNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNo
Senior DriverYesNoYesNoNoNoNoYesYesNoNoYesNoNoNoNoNoYesYesYesNoYes
Stable ResidenceNoNoNoNoNoNoNoNoNoNoNoNoYesYesYesNoNoNoYesNoNo
Students & AlumniNoNoNoYesNoNoNoYesNoYesYesYesYesNoNoNoNoNoNoNoNoNo
Switching ProviderYesNoNoYesNoYesNoYesYesYesYesNoYesYesNoNoYesYesNoNoNo
Utility VehicleNoNoYesNoNoNoNoNoYesYesNoNoNoNoNoNoNoNoNoYesNoNo
Vehicle RecoveryYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes
VIN EtchingNoNoNoNoNoNoNoYesYesNoYesYesYesYesYesYesNoNoNoNoYesYes
VolunteerNoNoNoYesNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
Young DriverYesNoNoNoNoNoYesNoNoNoYesNoNoYesNoYesNoNoNoNoNoYes
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The list of car insurance companies offering a safe drivers bonus refund includes AAA, Farmers, GEICO, Nationwide, and Progressive. To find out if you’ll benefit from a safe driving cashback program, get a quote online by entering your ZIP code.

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How can I get safe driver discounts?

If you’ve ever wondered what a car insurance company looks for, you should know they look at personal factors. Each company weights them differently. Therefore, you should always compare quotes from different companies to make sure you’re getting the best deal.

Even if you don’t qualify for a safe driver discount, the list of car insurance discounts is long. You could fall under one of the popular discount categories, which include student discounts, loyalty discounts, mature driver discounts, and discounts based on your occupation.

Car Insurance Companies That Offer Cash Back For Safe Drivers: The Bottom Line

It’s pretty hard to find car insurance companies that don’t offer cash back for safe drivers in some way or another. Even if they don’t offer payment, most companies will offer you a discount for driving safely.

Regardless of your driving history, it’s always best to compare rates from car insurance companies that offer cash back for safe drivers. Use our free tool and enter your ZIP code below to find affordable car insurance companies that offer cash back for safe drivers in your area right now.

Free Car Insurance Comparison

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

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