Compare Best Car Insurance Companies That Offer Cash Back for Safe Drivers [2023]

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.

UPDATED: Jun 22, 2022Fact Checked

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Written by:

Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

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Written by Laura Berry

Former Licensed Insurance Producer

Reviewed by:

Joel Ohman

Founder & CFP®

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: Jun 22, 2022

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UPDATED: Jun 22, 2022

Advertiser Disclosure

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

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 Discounts	21st Century	AAA	Allstate	American Family	Ameriprise	Amica	Country Financial	Esurance	Farmers	Geico	Liberty Mutual	MetLife	Nationwide	Progressive	Safe Auto	Safeco	State Farm	The General	The Hanover	The Hartford	Travelers	USAA
Adaptive Cruise Control	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No		No	No
Adaptive Headlights	No	No	No	No	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Anti-lock Brakes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Anti-Theft	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Claim Free	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Continuous Coverage	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	No	No	Yes	Yes	Yes	No
Daytime Running Lights	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes
Defensive Driver	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Distant Student	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	No	No	Yes	Yes	No	Yes	Yes		Yes	Yes	Yes	Yes
Driver's Ed	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes		Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Driving Device/App	No	Yes	Yes	Yes	No	No	No	Yes		Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes
Early Signing	Yes	No	Yes	Yes	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	No	No	No	Yes	Yes	Yes
Electronic Stability Control	No	No	Yes	Yes	No	Yes	Yes	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No
Emergency Deployment	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Engaged Couple	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Family Legacy	No	No	No	Yes	No	Yes	No	No	No	Yes	No	Yes	No	Yes	No	No	No	No	No	No	No	Yes
Family Plan	No	No	No	Yes	No	No	Yes	No	Yes	No	No	No	Yes	No	No	No	No	No	No	Yes	No	No
Farm Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No
Fast 5	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No		No	No
Federal Employee	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No	No	No
Forward Collision Warning	No	No	No	No	No	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Full Payment	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes		Yes	Yes	Yes	Yes	No
Further Education	No	No	No	No	Yes	No	Yes	Yes	No	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes	No	Yes	No
Garaging/Storing	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes
Good Credit	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes		Yes	Yes	No	No	No	No	No
Good Student	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Green Vehicle	Yes	No	Yes	No	No	No	No	Yes	Yes	No	Yes	No			No	No	No	No	No	Yes	Yes
Homeowner	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Lane Departure Warning	No	No	No	No	No	No	No	No	No	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No
Life Insurance	No	No	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No
Low Mileage	No	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes		Yes	Yes	Yes	Yes	Yes	Yes	Yes
Loyalty	No	No	No	Yes	Yes	Yes	Yes	No	No	Yes	No	Yes	Yes	Yes	No	Yes	No	Yes	No	Yes	No	Yes
Married	No	Yes	No	No	No	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	No	Yes
Membership/Group	No	Yes	No	No	Yes	No	No	Yes	No	Yes	Yes	Yes	Yes	No	No	Yes	No	No	Yes	Yes	Yes	No
Military	No	No	Yes	No	No	No	No	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes	Yes	No	No	No	Yes
Military Garaging	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Multiple Drivers	No	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	Yes	No	No
Multiple Policies	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Multiple Vehicles	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
New Address	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
New Customer/New Plan		No	No	No	No	No	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	No	No
New Graduate	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Newer Vehicle	Yes	Yes	Yes	No	No	No	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes	Yes	Yes
Newly Licensed	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Newlyweds	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No
Non-Smoker/Non-Drinker	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Occasional Operator	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	Yes
Occupation	No	No	Yes	No	No	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No	Yes			Yes	Yes	Yes	No
On Time Payments	No	No	Yes	No	No	No	No	No	No	No	No	No	No		Yes	No	No	No	No	Yes	Yes	No
Online Shopper	No	No	No	No	No	No	No	Yes	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No
Paperless Documents	No	No	Yes	Yes	No	Yes	No	No	Yes	No	No	Yes	Yes	Yes	No	No	No	No	No	Yes	No	No
Paperless/Auto Billing	No	No	Yes	Yes	No	Yes	No	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Passive Restraint	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Recent Retirees	No	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	Yes	No	No
Renter	No	No	No	No	No	Yes	No	Yes	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No
Roadside Assistance	No	No	No	No	Yes	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Safe Driver	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes
Seat Belt Use	No	No	No	No	No	No	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No
Senior Driver	Yes	No	Yes	No	No	No	No	Yes	Yes	No	No	Yes	No	No	No	No	No	Yes	Yes	Yes	No	Yes
Stable Residence	No	No	No	No	No	No	No	No	No	No	No	No	Yes	Yes		Yes	No	No	No	Yes	No	No
Students & Alumni	No	No	No	Yes	No	No	No	Yes	No	Yes	Yes	Yes	Yes	No	No	No	No	No	No	No	No	No
Switching Provider	Yes	No	No	Yes	No	Yes	No	Yes	Yes		Yes	Yes	No	Yes	Yes	No	No	Yes	Yes	No	No	No
Utility Vehicle	No	No	Yes	No	No	No	No	No	Yes	Yes	No	No	No	No	No	No	No	No	No	Yes	No	No
Vehicle Recovery	Yes	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
VIN Etching	No	No	No	No	No	No	No	Yes	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	No	No	No	No	Yes	Yes
Volunteer	No	No	No	Yes	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No	No
Young Driver	Yes	No	No	No	No	No	Yes	No	No	No	Yes	No	No	Yes	No	Yes	No	No	No	No	No	Yes

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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.

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Written by:

Laura Berry

Former Licensed Insurance Producer

Full Bio →

Written by Laura Berry

Former Licensed Insurance Producer

Reviewed by:

Joel Ohman

Founder & CFP®

Full Bio →

Reviewed by Joel Ohman

Founder & CFP®

Compare Best Car Insurance Companies That Offer Cash Back for Safe Drivers [2023]

Free Car Insurance Comparison

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

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

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Which car insurance companies offer a safe drivers bonus refund?

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How can I get safe driver discounts?

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

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