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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: May 9, 2022

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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 as well as the pros and cons of usage-based car insurance 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.

What is the Allstate Safe Driving Bonus check?

How much is Bonus Drive Allstate safe driving check?

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

The Allstate Safe Driver 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?

So how do you qualify for this bonus for safe driving?

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 percent 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, and it’s a big part of how car insurance rates are determined. In addition to getting discounts, safe driving can save you hundreds of dollars a year.

How much money can the Safe Drivers bonus refund save me?

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
Insurance CompaniesAverage Annual Rates with a Clean Driving 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
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
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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.

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

What is the difference between the Allstate Safe Driving Bonus and other Allstate rewards points?

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.

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

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, a safe driver’s 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.

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What are the Allstate safe driving club requirements?

In order to qualify for the Allstate Bonus Drive, 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 rate. So if you don’t stay insured with Allstate all bets are off.

What are the realities of the Allstate Safe Driver program?

Although the Allstate rewards check program sounds like a myth, too good to be true, there are some things you need to know about the program.

A couple of items to consider:

  • The Allstate Drive Safe program isn’t available in each state. You will need to check with Allstate to see if you are able to get the program where you live.
  • It’s not available to all Allstate customers. You have to be enrolled in the Your Choice Auto program to be eligible. This add-on can raise your rates so be sure to compare costs with the extra discounts you may receive.

In conclusion, not a whole lot has changed from the Safe Driver Bonus program, 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 your Allstate car insurance quotes with other companies in your area.