Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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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®

UPDATED: Oct 28, 2021

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The Truth in a Nutshell

  • Certain companies offer policyholders the opportunity to get money back when they go a certain amount of time without being involved in an accident
  • Most companies offer incentives like discounts for safe drivers
  • You will save even more money on your car insurance when you shop around and compare quotes


Car insurance companies that offer cash back for safe drivers are few and far between. Certain companies, like Allstate, offer policyholders the option of receiving a check every six months they remain accident-free.

Allstate’s safe driving bonus, which involves actually receiving a check in the mail, is not all that common.

Most other insurance companies pride themselves on offering great rates to their policyholders, and they incentivize the process by including the opportunity for discounts such as the good driver discount.

If you’re looking for safe driver car insurance quotes, you should certainly ask insurance representatives about your eligibility for any safe driving discounts that are available.

Additionally, you can find affordable car insurance for safe drivers by using our free quote tool above to compare car insurance rates from multiple companies at once.

What are the car insurance companies that offer cash back for safe drivers?

While only a handful of companies offer cash back for safe drivers, almost all insurance companies offer safe driving discounts.

The best way to see if you qualify for a safe driver car insurance discount is to ask an insurance representative with your company.

If you believe you qualify for a safe driver discount, you can reach out to see what the requirements are. You can also ask about additional car insurance discounts you may be eligible for.

The most common car insurance discounts to ask for are discounts that would make you a safer driver on the road. Common car insurance discounts include:

  • Safe driver
  • Low mileage
  • Multi-policy
  • Multi-car
  • Anti-theft
  • New car
  • Car safety features
  • Good driver
  • Good student discount
  • Defensive driver
  • Paid in full
  • Occupation-based
  • Professional organizations

While this is quite a long list, there are still more discounts that certain insurance companies offer their policyholders.

If you think you may qualify for a discount, ask your insurance company. If you do qualify, you could start saving money on your car insurance immediately.

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What are the car insurance companies that don’t offer cash back for safe drivers?

While there is no specific safe driver car insurance company, every insurance company wants to insure safe drivers.

Some car insurance companies don’t offer as much incentive to safe drivers, and that means those drivers are paying too much for coverage.

If you have a good driving record, a great way for you to save on your car insurance is to shop around online to compare quotes from multiple companies at once.

You may find that you are paying more for car insurance than you should be.

How can I get money back for being a safe driver?

If you want to literally receive a check in the mail from an insurance company, then you will have to be very specific about your search for auto insurance coverage.

But if you’re open to saving money on car insurance in other ways, then you can simply learn more about typical auto insurance discounts with most car insurance companies.

While you might see people online talking about “hidden car insurance discounts,” the truth is that most companies are open about the discounts they offer and how much their policyholders could save.

The whole reason for discounts is to incentivize people to purchase a policy. And some of these discounts incentivize people to drive safely, which ultimately saves the car insurance companies money.

Safe driver car insurance rates are often lower than rates for people who are high-risk drivers because safe drivers pose less of a problem for insurance companies in general.

Before you buy safe driver car insurance, be sure to use our free quote tool below to compare rates and find the best plan for you.