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Allstate Safe Driving Bonus Check Review

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: Mar 13, 2020

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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.

What Are We Really Looking at Here?

Well, 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?

The Safe Driving Bonus provides a credit to Allstate 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 you 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.

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The Good News

This bonus is in addition to any other good driver discounts you already receive from Allstate.

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.

Now, with the Safe Driving Bonus check program in effect, you receive an actual check for the amount you “earned” during your term as a safe driver.

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

Here Are the Minor Catches

In order to qualify for any of this, 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 (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.

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