Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 30, 2021

Advertiser Disclosure

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

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

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers 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.

The Lowdown

  • Allstate is the only auto insurance company that offers safe drivers cash back in the form of a check or credit on their account
  • Most other auto insurance companies offer savings for drivers in the form of safe driving discounts up to 30%
  • Safe drivers get lower auto insurance rates and more discounts than drivers with a bad driving record.

It’s no secret that your driving record plays a huge part in how much you pay for auto insurance. Safe drivers receive lower rates as well as discounts to bring rates even lower.

When it comes to auto insurance companies that offer cash back for safe drivers, Allstate is the only one that actually offers a check or account credit.

However, affordable auto insurance companies that offer cash back for safe drivers may do so by offering discounts that lower your rates to start with.

Enter your ZIP code to compare free quotes from auto insurance companies that offer cash back for safe drivers in one form or another.

What auto insurance companies offer cash back for safe drivers?

Your driving record is one of the most significant factors used to calculate your auto insurance rates. Not only is auto insurance for safe drivers lower to start with, but they also get safe driver discounts to bring rates even lower.

The Safe Driving Bonus from Allstate rewards you for safe driving by offering a check or bill credit for every six months you are accident-free.

Other auto insurance companies reward safe drivers with special discounts like a safe driver discount or a claims-free discount.

To give you an idea of how much your driving record affects your auto insurance, this table shows you the average rates from auto insurance companies that offer cash back for safe drivers or discounts.

Average Annual Auto Insurance Rates Based on Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01

Compare RatesStart Now →

Accidents, tickets, and DUIs will make your auto insurance rates shoot upward. Drivers who practice safe driving can save hundreds of dollars each month.

The National Highway Traffic Safety Administration reports that over 38,000 people died in traffic accidents in 2020. Safe driving will not only lower your auto insurance rates, but it can literally save lives.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

What auto insurance discounts are available for drivers?

Safe driver and claims-free discounts can offer drivers with a clean record big savings, but those aren’t the only auto insurance discounts to ask for.

While many auto insurance discounts are based on your driving record, there are many other discounts available, even some hidden auto insurance discounts you might not know about.

You can get discounts for the type of policy you have, how you are as a customer, and the safety features that are on your vehicle

Even if your driving record isn’t the best, you can still save big. For example, although you can save up to 30% with a safe driving discount, you can save up to 25% with a multi-car discount.

Bundle all of the discounts you are eligible for to increase your savings.

Auto Insurance Companies That Offer Cash Back for Safe Drivers: The Bottom Line

It’s almost impossible to find auto insurance companies that don’t offer cash back for safe drivers either in a check or savings.

Most auto insurance companies will offer steep discounts for safe drivers, even if they don’t send those savings in a check.

Shop around to find the cheapest auto insurance for you, no matter your driving record. Compare multiple companies to find the coverage you want with the lowest rates.

Now that you know about auto insurance companies that offer cash back for safe drivers, enter your ZIP code to compare free quotes from companies near you today.