{"id":344440,"date":"2025-11-07T13:24:32","date_gmt":"2025-11-07T18:24:32","guid":{"rendered":"https:\/\/www.reviews.com\/?p=344440"},"modified":"2025-11-07T13:24:32","modified_gmt":"2025-11-07T18:24:32","slug":"state-farm-geico-biggest-coronavirus-discounts-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/car\/state-farm-geico-biggest-coronavirus-discounts-auto-insurance\/","title":{"rendered":"Here Are the Biggest COVID-19 Discounts on Auto Insurance"},"content":{"rendered":"\n<p>With fewer cars on the road due to shelter-in-place orders enacted in response to the COVID-19 pandemic, auto insurance claims have <a href=\"https:\/\/consumerfed.org\/press_release\/consumer-groups-applaud-allstates-and-american-familys-shelter-in-place-paybacks-urge-other-auto-insurers-to-follow\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">plummeted<\/a>. In 2020, U.S. auto insurers collectively returned roughly $14 billion in premium relief to customers, according to the Insurance Information Institute (<a href=\"https:\/\/www.iii.org\/article\/auto-insurers-returning-premiums-to-policyholders-during-coronavirus-crisis\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>). Those one\u2011time refunds have ended; today, the largest <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">auto insurance companies<\/a> primarily deliver savings through ongoing discounts\u2014especially usage\u2011based\/telematics programs\u2014and, for some mutual carriers, non\u2011guaranteed dividends. Current insurer\u2011stated telematics maximums include: Allstate Drivewise up to 40% (<a href=\"https:\/\/www.allstate.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), Nationwide SmartRide up to 40% (<a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartride\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), State Farm Drive Safe &amp; Save up to 30% (<a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/drive-safe-save\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), Liberty Mutual RightTrack up to 30% (<a href=\"https:\/\/www.libertymutual.com\/righttrack\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), and Travelers IntelliDrive up to 30% (<a href=\"https:\/\/www.travelers.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>). Progressive\u2019s Snapshot can lower or raise rates depending on driving (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>).<\/p>\n\n\n\n<p>Driving activity and claims have also shifted since 2020. Vehicle miles traveled recovered near pre\u2011pandemic levels by 2023\u20132024 (<a href=\"https:\/\/www.fhwa.dot.gov\/policyinformation\/travel_monitoring\/tvt.cfm\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">FHWA<\/a>), and telework remains elevated (15.2% primarily worked from home in 2023 vs. 5.7% in 2019; <a href=\"https:\/\/www.census.gov\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">U.S. Census Bureau<\/a>). Claim frequency rebounded from 2020 lows but generally sits slightly below 2019 on aggregate, while crash severity and repair costs remain materially higher (<a href=\"https:\/\/risk.lexisnexis.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">LexisNexis 2024<\/a>; <a href=\"https:\/\/cccis.com\/crash-course\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CCC Crash Course<\/a>). NHTSA estimates traffic fatalities declined 3.6% in 2023 and the fatality rate fell to 1.26 per 100 million VMT\u2014still above 2019\u2019s rate\u2014reinforcing elevated severity (<a href=\"https:\/\/www.nhtsa.gov\/press-releases\/2023-traffic-fatalities-estimates\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NHTSA<\/a>). Against this backdrop, premiums are roughly 45%\u201355% higher than in late 2019 per BLS CPI (<a href=\"https:\/\/www.bls.gov\/series\/cuurr0000sehf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">BLS<\/a>), and many consumers pursue telematics to find savings (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">J.D. Power 2024<\/a>).<\/p>\n\n\n\n<script id=\"infogram_0_a278d903-446e-4925-83ff-5c08ed58afda\" title=\"Auto Insurance Discounts\" src=\"https:\/\/e.infogram.com\/js\/dist\/embed.js?3xw\" type=\"text\/javascript\"><\/script>\n\n\n\n<p><em>Average savings reflect today\u2019s program-based discounts (e.g., telematics, multi\u2011policy) and context from current national benchmarks. For reference, Bankrate\u2019s 2024 national average for full\u2011coverage is $2,543 (<a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), while other reputable studies place the average near $1,800\u2013$2,000 (<a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-2024\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>). <\/em> <em>See the table below for each insurer\u2019s COVID\u201119 relief references and their current savings channels.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credits and rebates will be automatic<\/h2>\n\n\n\n<p>In 2020, many credits\/refunds were automatically applied and delivered without customer action. Today, ongoing savings typically require eligibility or enrollment, and earned discounts are applied in your billing cycle or at renewal. Programs like <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.libertymutual.com\/\" target=\"_blank\">Liberty Mutual<\/a> RightTrack apply the discount after an evaluation period (insurer\u2011stated potential up to 30%; <a href=\"https:\/\/www.libertymutual.com\/righttrack\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>). Similar timing applies at other carriers: Allstate Drivewise (up to 40%; <a href=\"https:\/\/www.allstate.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), Nationwide SmartRide (up to 40%; <a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartride\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), Travelers IntelliDrive (up to 30%; <a href=\"https:\/\/www.travelers.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), and State Farm Drive Safe &amp; Save (up to 30%; <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/drive-safe-save\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>). Progressive Snapshot may lower or raise your rate based on driving (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>).<\/p>\n\n\n\n<p>Expect discounts to be credited through the same billing channel you use and to reflect measured driving. Because telematics participation is at or near record highs among price\u2011sensitive shoppers (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">J.D. Power 2024<\/a>), most carriers support quick, app\u2011based enrollment and show your driving score and potential savings in real time.<\/p>\n\n\n\n<p><a href=\"https:\/\/bearriveragent.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Keystone Insurance Services<\/a> and other independent agents commonly advise that if you paid in full, earned discounts are typically applied to future bills or issued as an account credit; specifics vary by insurer and state filing, so confirm timing with your carrier or agent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">These payments must be approved by your state\u2019s regulator<\/h2>\n\n\n\n<p>Insurance is a heavily regulated industry where state agencies hold a lot of power, including control over what insurance discounts and rebates can be applied.<\/p>\n\n\n\n<p>In some states, this means regulators are requiring insurers to <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2020\/release038-2020.cfm\" target=\"_blank\">give breaks to customers<\/a> in response to COVID-19, while other states are scrambling to find ways to <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.ncdoi.gov\/news\/press-releases\/2020\/04\/09\/insurance-commissioner-causey-helps-insurers-offer-discounts\" target=\"_blank\">work around existing laws<\/a> to allow insurers to provide this type of relief.&nbsp;<\/p>\n\n\n\n<p>Since then, many jurisdictions modernized rules that shape today\u2019s discounts. The NAIC updated its Unfair Trade Practices Act in 2020 to allow insurers to offer certain value\u2011added, loss\u2011mitigation services without violating anti\u2011rebating prohibitions (<a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NAIC Model #880<\/a>). Colorado enacted SB21\u2011169, requiring governance and testing to prevent unfair discrimination from algorithms and external data used in pricing and discounts (<a href=\"https:\/\/leg.colorado.gov\/bills\/sb21-169\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Colorado SB21\u2011169<\/a>). The NAIC adopted an AI Model Bulletin in December 2023, setting expectations for AI governance and monitoring (<a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NAIC AI Bulletin<\/a>), and New York proposed detailed AI\/ECDIS rules in 2024 with documentation and disclosure requirements (<a href=\"https:\/\/www.reuters.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Reuters<\/a>). California\u2019s Sustainable Insurance Strategy advances pathways for verified mileage and usage\u2011based insurance within its prior\u2011approval regime (<a href=\"https:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2023\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">California DOI<\/a>).<\/p>\n\n\n\n<p>Check for updates from your state\u2019s department of insurance to see how they are handling these payments and programs. Telematics typically requires opt\u2011in consent and clear privacy notices; many states expect explainable driver\u2011scoring and access to your score or dispute channels (<a href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">NAIC AI guidance<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When you get your payment will vary by your insurer<\/h2>\n\n\n\n<p><strong>Auto Insurance Rebates<\/strong><\/p>\n\n\n\n<p>Some insurers, like American Family, have decided to give a set refund to every customer holding a <a href=\" \nhttps:\/\/www.reviews.com\/insurance\/car\/everything-you-should-know-about-car-insurance-quotes\/\">personal auto policy<\/a>. This payment is expected to be sent as soon as it is approved by your insurance regulator.<\/p>\n\n\n\n<p>Today, routine COVID\u2011era refunds are no longer broadly offered. \u201cRebate\u2011like\u201d value now mainly comes from dividend policies at certain mutual carriers. For example, Amica\u2019s dividend auto policies state that in some years policyholders may receive up to about 20% of premium back; dividends vary by company performance and state and are not guaranteed (<a href=\"https:\/\/www.amica.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>).<\/p>\n\n\n\n<p><strong>Auto Insurance Credits<\/strong><\/p>\n\n\n\n<p>The majority of insurers are issuing some kind of credit that will be applied toward your future premiums, but insurers are offering a range of different percentages applicable over a variety of terms.&nbsp;<\/p>\n\n\n\n<p>Usage\u2011based\/telematics programs are the largest current savings lever and have reached record\u2011high participation among price\u2011sensitive shoppers (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">J.D. Power 2024<\/a>). Insurer\u2011stated maximums include up to 40% with Allstate Drivewise (<a href=\"https:\/\/www.allstate.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>) and Nationwide SmartRide (<a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartride\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), and up to 30% with State Farm Drive Safe &amp; Save (<a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/drive-safe-save\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), Liberty Mutual RightTrack (<a href=\"https:\/\/www.libertymutual.com\/righttrack\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>), and Travelers IntelliDrive (<a href=\"https:\/\/www.travelers.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>). Progressive Snapshot can also increase your rate for riskier driving (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>). Non\u2011telematics examples include GEICO\u2019s multi\u2011vehicle (up to 25%), good student (up to 15% on certain coverages), and anti\u2011theft (up to 25% on comprehensive) discounts\u2014amounts and eligibility vary by state and coverage (<a href=\"https:\/\/www.geico.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How the largest auto insurers are responding to COVID-19<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>Company<\/td><td>Average Annual Premium<\/td><td>Average Credit\/ Rebate<\/td><td>Average Savings<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate<\/a><\/td><td><br>$2,000\u2013$2,600 national full\u2011coverage context (2024 studies: <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Bankrate<\/a>; <a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-2024\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">The Zebra<\/a>)<\/td><td><br><a href=\"https:\/\/www.allstate.com\/covid.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">2020 credits (archived)<\/a>; current telematics: Drivewise up to 40% (<a href=\"https:\/\/www.allstate.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>)<\/td><td><br>Behavior\u2011based savings up to ~40% (state\/program dependent)<\/td><\/tr><tr><td><br><a href=\"https:\/\/www.reviews.com\/insurance\/car\/american-family-review\/\">American Family<\/a><\/td><td><br>$2,000\u2013$2,600 national full\u2011coverage context (methodologies vary)<br><\/td><td><br><a href=\"https:\/\/www.amfam.com\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">$50 one-time rebate<\/a> (2020, archived); ongoing: standard discounts and telematics where available<\/td><td><br>Varies by state and program<\/td><\/tr><tr><td><br>State Farm<\/td><td><br>$2,000\u2013$2,600 national context<\/td><td><br>Drive Safe &amp; Save telematics up to 30% (<a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/drive-safe-save\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>)<\/td><td><br>Up to ~30% (driving and state dependent)<\/td><\/tr><tr><td><br>Nationwide<\/td><td><br>$2,000\u2013$2,600 national context<\/td><td><br>SmartRide telematics up to 40% (<a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartride\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>)<\/td><td><br>Up to ~40% (after monitoring)<\/td><\/tr><tr><td><br>Liberty Mutual<\/td><td><br>$2,000\u2013$2,600 national context<\/td><td><br>RightTrack telematics up to 30% (<a href=\"https:\/\/www.libertymutual.com\/righttrack\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>)<\/td><td><br>Up to ~30% (applies at renewal)<\/td><\/tr><tr><td><br>Travelers<\/td><td><br>$2,000\u2013$2,600 national context<\/td><td><br>IntelliDrive telematics up to 30% (<a href=\"https:\/\/www.travelers.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>)<\/td><td><br>Up to ~30% (riskier driving may reduce savings)<\/td><\/tr><tr><td><br>Progressive<\/td><td><br>$2,000\u2013$2,600 national context<\/td><td><br>Snapshot telematics; savings or increases possible (<a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>)<\/td><td><br>Variable (behavior\u2011based)<\/td><\/tr><tr><td><br>GEICO<\/td><td><br>$2,000\u2013$2,600 national context<\/td><td><br>Non\u2011telematics examples: multi\u2011vehicle up to 25%, good student up to 15%, anti\u2011theft up to 25% (coverage\/state vary; <a href=\"https:\/\/www.geico.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>)<\/td><td><br>Up to listed amounts on eligible coverages<\/td><\/tr><tr><td><br>Amica (Mutual)<\/td><td><br>$2,000\u2013$2,600 national context<\/td><td><br>Dividend auto policies may return up to about 20% in some years (not guaranteed; <a href=\"https:\/\/www.amica.com\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">source<\/a>)<\/td><td><br>Dividend amounts vary by year\/state; not guaranteed<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Now is a good time to look at how insurers are handling this crisis<\/h2>\n\n\n\n<p>Here at Reviews.com, when we <a href=\"https:\/\/www.reviews.com\/insurance\/car\/company-ratings\/\">review insurance companies<\/a>, we take a close look at a lot of different measures of past performance to help us predict how providers will act in the future.<\/p>\n\n\n\n<p>This crisis gives you the opportunity to look around at how insurers are supporting customers through these hard times and decide whether that response is in line with what you\u2019re looking for in your insurance provider.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How we found the average auto insurance prices&nbsp;<\/h2>\n\n\n\n<p>Together with <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.quadinfo.com\/\" target=\"_blank\">Quadrant Information Systems<\/a>, we analyzed publicly filed rate data to find auto insurance rates by company, state, age, and credit score. These rates are based on data up to date as of December 2019 and are based on sample profiles created for comparative purposes only.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is your auto insurer going to give you money back because of COVID-19? We asked the experts what to expect from these premium payback programs.<\/p>\n","protected":false},"author":345,"featured_media":344506,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1266],"tags":[],"post_author":[13521],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Here Are the Biggest COVID-19 Discounts on Auto Insurance - Reviews.com<\/title>\n<meta name=\"description\" content=\"Is your auto insurer going to give you money back because of COVID-19? 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