Best Car Insurance Companies That Offer Cash Back in 2024 (Top 10 Providers)
Progressive, USAA, and State Farm stand out as the best car insurance companies that offer cash back, with rates starting at just $78/month. They offer competitive rates and incentives for safe driving. Discover how these top providers reward responsible drivers today and secure your future.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Nov 24, 2024
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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.
UPDATED: Nov 24, 2024
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.
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17,760 reviewsProgressive, USAA, and State Farm are the top picks for the best car insurance companies that offer cash back for safe drivers. Known for their competitive rates and incentives for responsible driving, these companies prioritize customer satisfaction and personalized solutions.
Progressive stands out for its innovative approach, combining telematics and personalized incentives to foster safer driving habits.
Our Top 10 Picks: Best Car Insurance Companies That Offer Cash Back
| Company | Rank | Multi-Policy Discount | Low-Mileage Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | 5% | Online Convenience | Progressive |
 | #2 | 10% | 5% | Military Savings | USAA |
 | #3 | 17% | 30% | Many Discounts | State Farm |
 | #4 | 25% | 10% | Add-on Coverages | Allstate |
 | #5 | 20% | 25% | Usage Discount | Nationwide |
 | #6 | 10% | 5% | Local Agents | Farmers |
 | #7 | 25% | 10% | Customizable Polices | Liberty Mutual |
 | #8 | 13% | 10% | Accident Forgiveness | Travelers |
 | #9 | 29% | 5% | Student Savings | American Family |
 | #10 | 25% | 20% | 24/7 Support | Erie |
These top car insurance providers offer tailored solutions for safe drivers, providing peace of mind and cash back incentives. This guide will help you find affordable insurers that reward safe driving with cash back and car insurance discounts for lower rates.
When you’re ready to see how much you can save on your car insurance, enter your ZIP code above into our free comparison tool.
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#1 – Progressive: Top Overall Pick
Pros
- Up to 10% Discount: Our Progressive car insurance review highlights significant potential savings and innovative features.
- Up to 5% Savings: Additional financial benefits.
- Seamless Online User Experience: Enhances user satisfaction.
Cons
- Military or Job Discounts: Some eligible groups may not benefit.
- Location Affects Discounts: Geographical factors may influence the discount amount.
#2 – USAA: Best for Military Savings
Pros
- Up to 10% Discount: Considerable savings are available through USAA car insurance discounts.
- Up to 5% Savings: Additional financial benefits.
- Military Discounts Available: Tailored discounts for military personnel.
Cons
- Exclusively for Military Families: Limited eligibility.
- Membership Eligibility Limits: Certain criteria must be met for membership.
#3 – State Farm: Best for Many Discounts
Pros
- Up to 17% Discount: Substantial potential savings.
- Up to 30% Savings: For significant financial benefits, consider exploring our comprehensive State Farm car insurance review.
- Broad Discount Variety: Diverse discount options.
Cons
- Limited Military Discounts: Limited military-specific benefits.
- Discounts Differ by Situation: Personal factors may influence the discount amount.
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#4 – Allstate: Best for Add-On Coverage
Pros
- Up to 25% Discount: Our Allstate car insurance review reveals the company’s potential for maximum savings.
- Up to 10% Savings: Additional financial benefits.
- Variety of Additional Coverages: Additional coverage options.
Cons
- Limited Maximum of 25% Discount: Discount capped at a certain level.
- May Lack Specialized Discounts: Limited targeted discounts.
#5 – Nationwide: Best for Usage Discount
Pros
- Up to 20% Discount: Considerable potential savings.
- Up to 25% Savings: For additional financial benefits, explore the various Nationwide car insurance discounts available.
- Personalized Usage Discounts: Tailored discounts based on usage.
Cons
- Fewer Discounts Available: Limited discount variety.
- Restricted Usage-Based Discounts: Specific restrictions on usage-based benefits.
#6 – Farmers: Best for Local Agents
Pros
- Up to 10% Discount: When considering car insurance options, exploring the Farmers car insurance review can uncover potential savings.
- Up to 5% Savings: Additional financial benefits.
- Local Agent Access: Enhanced customer support.
Cons
- Maximum 10% Discount: Discount capped at a certain level.
- Lacks Some Online Features.: Limited online features.
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#7 – Liberty Mutual: Best for Customizable Policies
Pros
- Up to 25% Discount: Maximum potential savings.
- Up to 10% Savings: Additional financial benefits.
- Tailored Policies: For comprehensive insights into Liberty Mutual car insurance review and its personalized coverage options, explore our in-depth analysis.
Cons
- Location-Based Discounts: Geographical factors may influence the discount amount.
- Customization Overload: Potential complexity for some customers.
#8 – Travelers: Best for Accident Forgiveness
Pros
- Up to 13% Discount: Considerable potential savings.
- Up to 10% Savings: Our Travelers car insurance review reveals additional financial benefits offered by the company.
- Accident Forgiveness Benefit: Additional coverage feature.
Cons
- Maximum 13% Discount: Discount capped at a certain level.
- Fewer Discounts: Limited variety of targeted discounts.
#9 – American Family: Best for Student Savings
Pros
- Up to 29% Discount: Maximum potential savings.
- Up to 5% Savings: Additional financial benefits.
- Student Discounts: Discover how American Family car insurance review offers tailored discounts for students, ensuring affordable coverage for young drivers.
Cons
- Fewer Non-Student Discounts: Limited benefits for non-student customers.
- Discounts may Vary Based on Location: Geographical factors may influence the discount amount.
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#10 – Erie: Best for 24/7 Support
Pros
- Up to 25% Discount: Maximum potential savings.
- Up to 20% Savings: Additional financial benefits are available with Erie car insurance review.
- Round-The-Clock Assistance: Round-the-clock customer assistance.
Cons
- Limited E-Services: Limited online features.
- Savings Differ Regionally: Geographical factors may influence the discount amount.
Savings Unlocked: Rates for Insurers Rewarding Safe Drivers
For drivers prioritizing safety, car insurance policies that offer cash-back incentives for safe driving behavior can be an appealing option. These incentives not only encourage responsible driving habits but also contribute to potential cost savings.
Car Insurance for Safe Drivers: Monthly Rates by Coverage Level & Providers That Offer Cash Back
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $90 | $170 |
| American Family | $75 | $200 |
| Erie | $60 | $175 |
| Farmers | $80 | $195 |
| Liberty Mutual | $70 | $210 |
| Nationwide | $68 | $180 |
| Progressive | $78 | $155 |
| State Farm | $72 | $160 |
| Travelers | $68 | $190 |
| USAA | $65 | $145 |
The table above provides insights into the average monthly car insurance rates for companies that offer cash back for safe drivers, presenting both minimum and full coverage options. Understanding these rates is crucial for individuals looking to combine the benefits of safe driving rewards with comprehensive insurance coverage.
The table highlights variations in monthly rates among insurance companies that provide cash back for safe driving. Erie stands out as the most budget-friendly option, offering minimum coverage at $60 and full coverage at $175. USAA follows closely with competitive rates of $65 for minimum coverage and $145 for full coverage.
Progressive stands out for its innovative approach, combining telematics and personalized incentives, fostering safer driving habits with user-friendly online convenience.
Dani Best Licensed Insurance Producer
Allstate, while offering cash-back incentives, presents higher rates at $90 for minimum coverage and $170 for full coverage. Liberty Mutual offers a middle ground with rates of $70 for minimum coverage and $210 for full coverage. These figures underscore the importance of not only considering cash-back incentives but also evaluating the overall affordability of insurance coverage for safe drivers.
Individuals should weigh the potential savings from safe driving rewards against their specific coverage needs to make informed choices about their insurance provider.
This table compares monthly car insurance rates for safe drivers, detailing costs for minimum and full coverage from various providers. The providers included are Allstate, American Family, Erie, Farmers, Liberty Mutual, Nationwide, Progressive, State Farm, and Travelers.
The data assists safe drivers in evaluating cost-effective insurance options, offering a clear perspective on the financial impact of choosing between minimum and full coverage levels.
Car Insurance Companies With Safe Driver Discounts
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
| Discount Name |  |  |  |  |  |  |  |  | |  |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | NA | NA | 10% | 10% | 5% | 3% | NA | 7% | 10% | NA |
| Adaptive Headlights | 15% | 15% | 10% | 5% | 5% | 10% | 15% | 5% | 5% | 15% |
| Anti-lock Brakes | 10% | 10% | 10% | 5% | 5% | 5% | 10% | 5% | NA | NA |
| Anti-Theft | 10% | NA | NA | 23% | 20% | 25% | 20% | 15% | NA | NA |
| Claim Free | 35% | 10% | 15% | 26% | 15% | 10% | 15% | 15% | 23% | 12% |
| Continuous Coverage | NA | 10% | 10% | NA | 15% | 15% | 10% | 10% | 15% | 5% |
| Daytime Running Lights | 2% | NA | 2% | 3% | 5% | 5% | 7% | 3% | NA | NA |
| Defensive Driver | 10% | 10% | NA | 10% | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | 15% | 30% | 30% | 20% | 10% | 20% | 20% | 7% | NA |
| Driver's Ed | 10% | 10% | 8% | NA | 10% | 8% | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | 20% | NA | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | 12% | 15% | 15% | 8% | 8% | 8% | 15% | 10% | 12% |
| Electronic Stability... | 2% | 3% | 3% | 2% | 5% | NA | 5% | NA | 3% | 2% |
| Emergency Deployment | 5% | NA | 20% | 25% | NA | NA | NA | NA | 20% | 25% |
| Engaged Couple | 10% | 10% | 5% | NA | 5% | 10% | 5% | NA | NA | 10% |
| Family Legacy | NA | 10% | NA | 5% | 10% | 5% | 5% | NA | 5% | 10% |
| Family Plan | 20% | NA | 15% | NA | 10% | 25% | NA | 15% | 15% | NA |
| Farm Vehicle | 10% | NA | 10% | NA | 10% | 5% | NA | 5% | 10% | NA |
| Fast 5 | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Federal Employee | 13% | 15% | NA | 12% | 10% | 16% | NA | 15% | NA | NA |
| Forward Collision Warning | 5% | 10% | 5% | 10% | 5% | NA | 5% | 5% | 5% | 10% |
| Full Payment | 10% | 10% | 8% | NA | $50 | 8% | 10% | NA | 8% | NA |
| Further Education | NA | NA | NA | NA | 10% | 15% | NA | NA | NA | NA |
| Garaging/Storing | NA | NA | NA | NA | NA | NA | NA | NA | NA | 90% |
| Good Credit | 10% | NA | 5% | 10% | 5% | NA | 10% | NA | 10% | NA |
| Good Student | 20% | 23% | NA | 15% | 23% | 10% | 8% | 25% | 8% | 3% |
| Green Vehicle | 10% | NA | 5% | NA | 10% | NA | NA | 10% | 10% | NA |
| Homeowner | 3% | 3% | 5% | NA | 5% | 5% | NA | 3% | 5% | NA |
| Lane Departure Warning | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Low Mileage | 30% | 30% | 25% | 25% | 30% | 25% | NA | 25% | 30% | 25% |
| Loyalty | 5% | 15% | 5% | NA | 15% | 5% | 15% | 15% | 5% | NA |
| Married | 5% | NA | 5% | NA | NA | NA | 5% | NA | NA | NA |
| Membership/Group | NA | 7% | NA | NA | 10% | 7% | NA | NA | NA | 7% |
| Military | NA | NA | 15% | 15% | 4% | 10% | NA | NA | NA | 30% |
| Military Garaging | NA | NA | NA | NA | NA | NA | NA | NA | NA | 15% |
| Multiple Drivers | 25% | 20% | 20% | NA | NA | 25% | NA | NA | 25% | NA |
| Multiple Policies | 10% | 29% | 20% | 10% | 20% | 10% | 12% | 17% | 13% | NA |
| Multiple Vehicles | NA | 10% | 8% | 25% | 10% | 20% | 10% | 20% | 8% | NA |
| New Address | NA | 5% | NA | NA | 5% | 5% | NA | 5% | NA | NA |
| New Customer/New Plan | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| New Graduate | 5% | 15% | 10% | NA | 5% | 15% | 10% | 5% | 15% | 10% |
| New Vehicle | 30% | NA | 30% | 15% | 40% | NA | 40% | 10% | 12% | NA |
| Newly Licensed | NA | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
| Newlyweds | 10% | NA | 5% | 5% | 5% | NA | 10% | NA | 10% | NA |
| Non-Smoker/Non-Drinker | NA | NA | 10% | NA | 10% | 10% | NA | NA | NA | 10% |
| Occasional Operator | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Occupation | NA | NA | NA | NA | 10% | 15% | NA | NA | NA | NA |
| On-Time Payments | 5% | 10% | NA | 10% | 10% | 15% | 15% | NA | 15% | NA |
| Online Shopper | 10% | NA | NA | NA | 10% | NA | 7% | NA | 10% | NA |
| Paperless Documents | 10% | 5% | NA | 5% | 5% | 5% | $50 | 10% | 5% | 10% |
| Paperless/Auto Billing | 5% | 5% | NA | NA | 3% | $30 | NA | $20 | 3% | 3% |
| Passive Restraint | 30% | 30% | NA | 40% | NA | 20% | NA | 40% | NA | NA |
| Recent Retirees | NA | NA | NA | NA | 4% | NA | NA | NA | NA | NA |
| Renter | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Roadside Assistance | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Safe Driver | 45% | NA | NA | 15% | NA | 35% | 31% | 15% | 23% | 12% |
| Seat Belt Use | NA | NA | NA | 15% | NA | NA | NA | NA | NA | NA |
| Senior Driver | 10% | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Stable Residence | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Students & Alumni | NA | NA | NA | NA | 10% | 7% | NA | NA | NA | NA |
| Switching Provider | NA | NA | NA | NA | 10% | NA | NA | NA | NA | NA |
| Utility Vehicle | 15% | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Vehicle Recovery | 10% | NA | NA | 15% | 35% | 25% | NA | 5% | NA | NA |
| VIN Etching | NA | NA | NA | NA | 5% | NA | NA | NA | NA | NA |
| Volunteer | NA | NA | NA | NA | NA | NA | NA | NA | NA | NA |
| Young Driver | NA | NA | NA | NA | NA | NA | NA | NA | NA | $75 |
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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Unlock Safe Driver Discounts and More
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.
Case Studies: The Winning Trio Redefining Car Insurance for Safe Drivers
These case studies highlight how leading insurance providers offer innovative solutions to cater to their customers’ needs and promote safer driving habits. From Progressive’s SmartDrive Rewards to USAA’s military savings and State Farm’s diverse discounts, each example showcases the benefits of tailored insurance options.
- Case Study #1 – SmartDrive Rewards: Sarah Thompson benefited from Progressive’s SmartDrive Rewards program, earning up to a 10% discount and an extra 5% savings on premiums. The program uses telematics and personalized incentives to promote safer driving habits. With a user-friendly online platform, Sarah manages her policy conveniently while enjoying the rewards of safe driving.
- Case Study #2 – Military Savings: John Rodriguez benefits from USAA’s military savings, receiving up to a 10% discount and an additional 5% savings on car insurance premiums. USAA’s dedicated support and seamless online experience cater specifically to military personnel, providing auto insurance for military with significant financial advantages and peace of mind.
- Case Study #3 – Diverse Discounts: Emily Garcia maximized State Farm’s discounts, saving up to 30% by customizing her coverage to her needs. State Farm’s diverse discounts, including safe driving and multi-policy, allowed Emily to tailor her plan. Personalized guidance from local agents boosted her confidence in her coverage choices, making State Farm her preferred insurer.
These case studies demonstrate the value of personalized insurance solutions tailored to individual needs. Whether it’s leveraging telematics for safer driving, providing exclusive discounts for military personnel, or offering a wide range of customizable options, these insurers prioritize customer satisfaction and peace of mind.
With a stellar customer review rating of 95%, Progressive remains the top choice for safe drivers seeking reliable coverage and exceptional service.
Scott W. Johnson Licensed Insurance Agent
By showcasing real-life examples of individuals benefiting from tailored insurance solutions, these case studies underscore the importance of exploring options that align with one’s specific needs and lifestyle.
Car Insurance Companies That Offer Cash Back: 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.
Irrespective of your driving background, it’s advisable to explore rates from car insurance providers that provide cashback benefits to safe drivers, especially when considering cash back car insurance.
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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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How can I find auto insurance that gives money back for practicing safe driving habits?
You can explore insurance providers like Progressive, which offer incentives and cashback for safe driving behavior.
For deeper understanding, refer to our detailed handbook titled “Safe Driver Car Insurance Discounts,” ensuring you’re equipped with valuable information.
What are the 10 best car insurance companies that offer cashback deals for safe drivers?
The 10 best car insurance companies renowned for their cashback deals for safe drivers include Progressive, USAA, and State Farm, among others.
Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.
Where can I find the best car insurance cashback deals?
The best car insurance cashback deals can be found by comparing quotes from providers like Allstate, Nationwide, and Geico, among others.
For further information, delve into our extensive guide titled ‘How do you get competitive quotes for car insurance?‘ for expert insights and tips.
What’s the best car insurance for safe drivers offering cashback rewards?
State Farm is often highlighted as one of the best car insurance providers for safe drivers, offering attractive cashback rewards.
To delve deeper, check out our extensive guide on commercial auto insurance entitled “Cash Back Car Insurance,” providing invaluable insights and tips for your needs.
Which company provides the biggest cashback car deals for auto insurance?
Companies like Progressive and Allstate are known for offering some of the biggest cashback car deals in the auto insurance industry.
Do any car insurance companies offer rewards for good driving behavior?
Yes, several car insurance companies provide rewards for good driving behavior, including cashback incentives and discounts on premiums.
Explore further by referring to our comprehensive guide named “Car Insurance Discounts: Compare the Best Discounts,” offering extensive insights into available savings opportunities.
How can I get car insurance cashback offers for maintaining a good driving record?
By enrolling in programs like Allstate’s Safe Driving Bonus program, drivers can earn cashback offers for maintaining a good driving record.
Where can I find car insurance that gives you money back as a reward for safe driving?
Allstate is one example of a car insurance provider that offers money back as a reward for safe driving through programs like the Safe Driving Bonus.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
Are there any car insurance policies with cashback offers available for comparison?
Yes, you can compare car insurance policies with cashback offers from various providers to find the best deal for your needs.
For comprehensive insights, consult our in-depth examination titled ‘Understanding Your Car Insurance Policy,’ ensuring clarity and confidence in your coverage choices.
Which companies provide cashback for car insurance policies?
Several insurance companies, such as Geico, Progressive, and Allstate, offer cashback incentives for car insurance policies.
Free Car Insurance Comparison
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
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.
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