Car Insurance Loyalty Rewards Programs [2022]

Car insurance loyalty rewards programs are perks for customers who stay with a particular insurance company. You can save up to 20% with common rewards, such as insurance loyalty discounts, exclusive product offers, and accident forgiveness. Learn more!

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Here's what you need to know

  • The national average for car insurance in the United States is around $1,030. Depending on the type of coverage a policyholder is enrolled in, the premium amount can be much more.
  • Car insurance loyalty rewards programs include percentage discounts off car insurance rates.
  • Most loyalty programs are offered to customers after having been with the company for over three years.
  • Several large insurance providers, such as Geico and Progressive, offer loyalty programs that provide other types of car insurance discounts.

If you’re looking to save money on your car insurance, you’ve likely heard of car insurance loyalty reward programs. Customer loyalty car insurance discounts are offered through insurance rewards programs, which provide perks to loyal policyholders that have stayed with their car insurance company for an extended period of time.

What is a loyalty rewards discount? We’re here to help answer all of your questions. Before we begin, enter your ZIP code into our free comparison tool above.

How Auto Insurance Loyalty Rewards Programs Work

One way to save money on coverage rates is with the loyalty rewards perks offered by many top rated car insurance companies. Auto insurance loyalty rewards programs often convince customers to keep their current policies rather than switching to other companies.

We have an in-depth guide in the event that you’re asking, “How do I switch car insurance?” However, you won’t be eligible for loyalty rewards for some time.

Most loyalty insurance rewards programs start issuing discounts after policyholders have been insured with the company for three to five years.

The car insurance company may give a specific percentage discount to a policyholder the first year they become eligible before increasing the discount each year.

To see if it would benefit you to stay with your current provider to become eligible for their insurance rewards programs, enter your ZIP code into our free comparison tool above.

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Companies That Offer Loyalty Rewards

Progressive Car Insurance offers many types of loyalty rewards, such as the ones available on the Progressive Insurance loyalty rewards chart. Some Progressive Insurance loyalty rewards are issued to policyholders as soon as they sign up. They earn even bigger rewards the longer they stay with Progressive. The longer your history with the company, the more you are eligible for insurance rewards programs.

Two of the loyalty rewards policyholders are instantly given when they sign up with Progressive are unlimited small accident forgiveness and a pre-approved network of repair shops.

Unlimited small accident forgiveness allows for the policyholder to claim multiple small accidents without having to worry about their car insurance premium increasing.

The car repair shop network helps the policyholder find a reliable and trustworthy place to send their car for repairs. According to Tire Business News, RepairPal extended its auto shop network to 2,500 locations in 2019.

Some of the more significant loyalty rewards that a Progressive policyholder would earn the longer they stay with the company include:

  • Young driver car insurance discount.
  • Progressive’s large-accident forgiveness.
  • The Good Student discount.
  • Progressive’s Continuous Insurance coverage discount (popular on Reddit).

Progressive Platinum is an invite-only program for independent agents who have an exclusive commitment to Progressive. Independent Progressive agents will receive higher commissions and bonus opportunities. Progressive Platinum on Reddit is also part of a popular discussion among agents and customers.

Nationwide Insurance offers a percentage discount of up to 15 percent for loyal policyholders. At the national average of $1,400 annually, this discount help you save as much as $220 annually.

Does Geico offer loyalty programs? Geico’s loyalty program offers up to 30 percent off for its most loyal customers, which can add up to over $400 off the policyholder’s car insurance premium each year.

Get more than just a Progressive auto insurance quote when you use our free comparison tool. Enter your ZIP code now to see what companies are available in your local area.

The Drawbacks of Loyalty Rewards

Some people think it is in their best interest to stay with the car insurance provider they have always been with because they have earned these discounts.

In reality, there might be a car insurance provider that offers the same coverage at a lower rate that is equal to or less than their loyalty rewards rate with the current insurer.

Just because a person has always had the same car insurance provider does not mean that it’s the best insurer for their current needs.

Specific life changes can make a different insurer a better choice for the policyholder. Some of these life changes include:

  • Moving to a new state.
  • Adding another person to their insurance policy.
  • Getting a new car.
  • Adding a vehicle to their policy.

You should evaluate your insurance needs every year to make sure that your current insurance provider is still the best choice. When searching for the best provider, it is in your best interest to obtain as many insurance quotes as possible.

When talking to prospective insurers, the premium should not be the only focus. You should also ask about any discounts available and how specific programs and discounts work in the long term.

How to Join Car Insurance Loyalty Rewards Programs

Before we go into detail about discounts, here is a video about saving money on teen driver auto insurance.

Car insurance discount eligibility is different for each company. Check out our car insurance loyalty rewards program chart and additional discounts below:

Car Insurance Discounts Offered by Insurance Companies
Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Controlxxxx
Adaptive Headlightsxxxxxxxx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxx
Daytime Running Lightsxxxxxxxxxxxxxxxxxx
Electronic Stability Controlxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Lane Departure Warningxxxx
Newer Vehiclexxxxxxxxxxxxxxxx
Green Vehiclexxxxxxx
Forward Collision Warningxxxxxxx
Claim Freexxxxxxxxxxxxxxxxxxxxxx
Continuous Coveragexxxxxxxxxxxxxxx
Defensive Driverxxxxxxxxxxxxxxxxxxxxxx
Distant Studentxxxxxxxxxxxxxxx
Driver's Edxxxxxxxxxxxxxxxxxxxx
Driving Device/Appxxxxxxxxxxxxxx
Early Signingxxxxxxxxxxxxxx
Emergency Deploymentx
Engaged Couplex
Family Legacyxxxxxx
Family Planxxxxx
Farm Vehiclexxxx
Fast 5x
Federal Employeexxxx
Full Paymentxxxxxxxxxxxxxxxxx
Further Educationxxxxxxxxx
Good Creditxxxx
Good Studentxxxxxxxxxxxxxxxxxxxxxx
Life Insurancexx
Low Mileagexxxxxxxxxxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newly Licensedx
Occasional Operatorx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Young Driverxxxxxx
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For example, Progressive policy tiers come with different discounts. A list of Progressive discounts for the lowest level will be much different than mid-level or high-tier policies. Progressive uses a loyal rewards program chart that lists all the available discounts and services.

What discounts can you get for car insurance? You can vehicle discounts, student discounts, credit discounts, good driver discounts, and potentially many more. Loyalty rewards, of course, is a discount you earn by consistently renewing your policy for over three years.

Car insurance loyalty discounts come with added perks, such as free accident forgiveness or free windshield repair.

Some companies have referral rewards programs. These discounts work when you refer a family member, friends, or co-worker to your current car insurance company.

A clean driving record is one surefire way to get a coverage discount. Clean driving records indicate that you’re less likely to get into an accident or file a claim.

Some car insurance companies will also give you a discount for good credit. According to the Federal Trade Commission, car insurance companies issue lower rates to consumers with good credit, as there’s a correlation between good credit and low-risk. Customers with fair and poor credit pay more because they’re more likely to file a claim.

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Car Insurance Loyalty Rewards: The Bottom Line

Auto insurance loyalty programs are rewards for long-term customers. Rewards programs in car insurance are built to offer lower coverage rates and perks exclusive to long-term customers. When you compare car insurance rewards, you can see how much you may save on car insurance.

Are rewards programs worth it? Absolutely. Companies like Travelers, Allstate, Progressive, Erie, and CNA Insurance have rewards programs that slash prices and give additional coverage to customers. Even health and life insurance rewards programs provide extra services for long-term customers. For instance, you may have heard of Aetna Health insurance rewards programs.

If a car insurance company says they have a loyalty rewards program, hold them to that. Don’t allow insurance loyalty schemes to get the better of you. If they can’t provide a loyalty rewards discount as promised, find another insurer.

Compare car insurance companies with an excellent rewards program using our free comparison tool. Enter your ZIP code below to find the top insurance providers.

Frequently Asked Questions: Car Insurance Loyalty Rewards

#1. What are Progressive loyalty rewards?

Progressive customers are automatically enrolled in the Progressive loyalty rewards program. The program gives customers small-accident forgiveness, which prevents rates from increasing after fender-benders.

#2. Why is Progressive so cheap?

Progressive is one of the cheapest car insurance companies in the United States thanks to the discounts they offer. This makes them quite the competitor in the insurance market.

#3. What discounts can you get for car insurance?

You can receive several insurance rewards discounts. Good credit and a clean driving record will help you get cheap rates. For teen drivers, focus on defensive driving courses and good grades to lower prices.

#4. Which car insurance rewards good driving?

Most major companies offer car insurance rewards discounts for good driving, which comes from a clean driving record. Violations, accidents, and DUI convictions can increase your car insurance rates.

#5. Has user-based insurance rewards programs shown positive statistics?

It depends on the company. Allstate usage-based insurance, Drivewise, has done well. Metromile’s telemetrics program has also made a name for itself. The statistics, however, are moderate. It works better for some and not so well for others.

#6. What are the best home and auto insurance bundles in 2020?

The top five home and auto insurance bundles in 2020 are Liberty Mutual, Gabi, Allstate, Esurance, and Progressive.

#7. What can I buy at Walmart with My Health Pays® rewards card?

Your Walmart My Health Pays® will help you pay for rent, your cell phone bill, utilities, transportation, childcare services, education, and medical expenses.

#8. What are the best reward programs?

According to Business Insider, the top five best reward programs are CVS, Target, Barnes & Noble, Nordstrom, and Bed Bath & Beyond.

#9. How do I create a rewards program?

To create a car insurance rewards program, you must choose a unique and creative name. Have meaning behind the loyalty program. Most importantly, reward customers who react to your service. Be sure to include a variety of insurance rewards discounts to make it more interesting.

#10. Does Progressive have a six-month auto insurance policy?

It depends. Progressive extended its six-month auto insurance policy to 12 months after the State of Massachusetts accused the company of not offering 12-month polices in 2008. You may be able to receive a six-month or 12-month policy. Ask a Progressive agent about your options.

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