Auto Insurance Companies That Give Rewards for No Accidents (2022)

There are many auto insurance companies that give rewards for no accidents, highlighted by State Farm, Allstate, and Liberty Mutual. Affordable auto insurance companies that don't give rewards for no accidents might specialize in other auto insurance categories. Safe driving rewards can include auto insurance refunds or discounts up to 30%.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 28, 2021

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A Concise Overview

  • There are many auto insurance companies that give rewards for no accidents, including refunds and discounts
  • Companies with multiple discounts and safe driving incentives offer the most affordable auto insurance for good drivers
  • Some auto insurance rewards for safe driving can be up to 30% off your monthly payment

If you’re a routinely safe driver, you could be saving on your auto insurance coverages by choosing one of the auto insurance companies that give rewards for no accidents.

Choosing the right auto insurance company can be daunting. We’ll help guide you by identifying common auto insurance rewards for safe driving and which companies offer them.

Read on to continue learning about auto insurance companies that give rewards for no accidents. Enter your ZIP code to get quotes from top auto insurance providers today.

Which auto insurance companies give rewards for no accidents?

You’ll find that many auto insurance companies offer auto insurance discounts for good drivers. These discounts may be in the form of monthly discounts, auto insurance deductible rewards, or even an auto insurance refund.

Almost every auto insurance company offers some type of reward for safe driving. Most commonly, insurers will provide a discount for those who have completed a defensive driving course.

Auto Insurance Discounts Available from the Top Insurance Companies
ProviderDefensive Driver DiscountSafe Driver Discount
American Family
Liberty Mutual
State Farm
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Above, you’ll find which top auto insurance companies offer safe driving discounts. While a defensive driving course doesn’t necessarily mean you haven’t been in any accidents, it should reduce the likelihood that you will be in one.

Otherwise, most companies do offer rewards for safe driving in some capacity.

What is the best auto insurance for good drivers?

Finding the most affordable auto insurance for good drivers can be a relatively simple process, but it may take some time. To get the best auto insurance rates for good drivers, you’ll want to compare quotes from multiple providers.


It might seem silly to keep getting quotes from different companies; however, there are many variables that come into effect when purchasing auto insurance, including where you live.

That said, if you haven’t been in an accident and you believe you have safe driving habits, there are a few companies that offer strong benefits for safe drivers, listed below.

  • State Farm – Drive Safe and Save
  • Liberty Mutual – RightTrack
  • Allstate – Safe Driving Bonus

Each of these programs is a bit different from the other. With State Farm and Liberty Mutual, your driving habits can be recorded for things like speed, braking, and acceleration.

Assuming you’re driving with ease and caution, these companies will discount up to 30% of your monthly fee. According to Pew Research Center, many drivers don’t like these programs since the device can track your location.

Allstate provides policyholders with a safe driver’s bonus refund at the end of each six-month cycle if they haven’t been in an accident or gotten a ticket.

If you’re wondering how to save on auto insurance, these companies have great resources to reduce auto insurance quotes for good drivers.

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

Before you buy good driver auto insurance, you’ll want to get quotes from companies in your area and apply any traditional discounts. Ask your insurer if they have a safe driving program you can enroll in.

By now, you should be prepared to research auto insurance companies that give rewards for no accidents. Be sure to enter your ZIP code for free quotes from top auto insurance companies in your area.

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