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Allstate Safe Driving Bonus Check Review

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Sep 8, 2020

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The Truth in a Nutshell:

  • The Allstate Insurance Company Safe Driving Bonus is five percent of your car insurance rate
  • You can receive a credit on your next bill or receive a check
  • A clean driving record will help you get discounts and keep your rates low
  • Tickets and accidents will cause you to lose discounts and your rates will skyrocket.

Our Allstate Safe Driving Bonus Check review answers your questions about the discount and refund check. With the newest upgrade to the program, you’ll receive an Allstate bonus check based on your car insurance rate.

Similar to the swift evolution of the single blade razor into the 5-blade, comfort-tech, battery-powered vibrating razor, insurance companies are constantly raising the stakes to snag our business.

The latest effort to gain our insurance dollar is the “Allstate Safe Driving Bonus Check,” which is a slight upgrade from their original Safe Driving Bonus.

Discounts and refund programs are hot insurance topics. Sometimes companies with higher initial rates wind up being the best option once discounts bring down those high prices.

No matter what Allstate discounts and programs are available, shopping around for auto insurance is always the best way to get a great deal. Before you buy Allstate car insurance, enter your ZIP now to get quotes to compare to Allstate.

Allstate Safe Driving Bonus

How much is the Allstate safe driving check?

Pay close attention to the difference between “bonus” and “bonus check.”

The Safe Driving Bonus check option is just a simple enhancement to the Safe Driving Bonus, which is one benefit of the Allstate Your Choice Auto program. Are you confused yet?

With the Safe Driving Bonus Allstate rewards credit to insured drivers that do not have a claim within a specified policy term (at least 6 months).

The allotted credit is up to 5% of the policy insurance premium, applied to your renewal policy.

For example, if you pay $500 for six months of car insurance, you are eligible to receive a $25 credit for your next six-month policy term. In other words, you would only have to pay $475 for your next six months with Allstate.

It’s no surprise that your driving record plays a huge part in your car insurance rates. In addition to getting discounts, safe driving can save you hundreds of dollars a year.

Take a look at this table to see just how much your driving affects your wallet.

Average Annual Car Insurance Rates Based on Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Get Your Rates Quote Now

Allstate will charge you almost $100 a month extra if you cause an accident. In addition to higher auto insurance rates, you will lose your safe driving bonus and discounts if you have poor driving habits.

Watch this video to learn more about the Allstate Safe Driving Bonus.

Safe driving can earn you discounts and keep your auto insurance rates low.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Allstate Bonus Check

This bonus is in addition to any other Allstate auto insurance discounts you already receive, such as for a defensive driver class or car safety features. Check out for safety features listed by car manufacturer.

But prior to the Safe Driving Bonus check program, the aforementioned 5% credit could only be applied to your renewal premium. Basically, you don’t “earn” the credit unless you stay on as a policyholder with Allstate.

Here’s another one of the Allstate safe driving bonus check commercials you may have seen.

Now, with the Safe Driving Bonus check program in effect, you receive an actual Allstate safe bonus check for the amount you “earned” during your term as a safe driver. As part of this operation, safe drivers bonus savings can be yours.

So in the example above, the $25 would be mailed to you in the form of a check whether you renew or not.

Allstate Safe Driving Club Requirements

In order to qualify for the Allstate safe driving club, you must first be enrolled in the Allstate Your Choice Auto program. Allstate Your Choice Auto requires you to have a clean driving record and good credit. These factors create your Allstate insurance score.

If you’re eligible or already enrolled, the Safe Driving Bonus check may not be available until your next policy renewal. Additionally, any bonus under $5 will only be applied to your renewal premium. So if you don’t stay insured with Allstate all bets are off.

In conclusion, not a whole lot has changed, unless you really, really like checks.

For more affordable Allstate car insurance, check out Drivewise, the Allstate safe driving app. You can also check with your Allstate agent for their different levels of coverage such as the Allstate platinum accident forgiveness program.

Compare Allstate car insurance rates with other insurers today to get the best coverage at the cheapest price. Enter your ZIP to compare Allstate car insurance quotes with other companies in your area.



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