State Farm, USAA, GEICO, Progressive, Farmers & Allstate Offering Insurance Credits Due to Coronavirus
Last update on 5/4/2020
Are you driving less during the coronavirus crisis? 🚗
With people staying home to slow the spread of COVID-19, many of us are driving a lot less. This means less time spent on the roads and ultimately fewer accidents.
Due to a nationwide decline in driving, many insurers are finding ways to compensate their policyholders by offering them credits, refunds, and various methods of payment relief.
Check out what some auto insurance companies are offering:
Allstate & Esurance
- Allstate and Esurance (an Allstate company) are offering a Shelter-In-Place Payback, which will result in most customers being reimbursed about 15% on their monthly premiums for April, May, and June.
- This refund will be automatically returned to the original form of payment, applied as a credit to your account, or issued in a check, depending on how you have your payment preferences set.
- Policyholders can also get free identity protection for the rest of the year through the Allstate app. U.S. residents can receive this benefit when they sign up by May 31, regardless of whether they’re already an Allstate customer.
- Auto, home, and powersport insurance customers facing financial challenges can also request payment relief that delays payments for 60 days with no penalty.
- Allstate and Esurance will now automatically cover customers who use their personal vehicles to deliver food, medicine, and other goods for commercial purposes during the COVID-19 crisis. This protection will be added to policies in all states for the duration of each state’s COVID-19 emergency order. No further action is required on your part.
American Family
American Family Insurance is providing its auto policyholders with a one-time $50.00 payment for each personal automobile insured with them. Use AmFam’s Premium Relief Payment Tracker to find out if you have a check on the way!
Amica Mutual
- Every customer that had an automobile insured with Amica as of April 1, 2020, will receive a 20% credit on their auto premiums for April and May, pending regulatory approval. There is no action required on the part of customers to receive this credit.
- Amica is also offering leniency to customers who are unable to pay premiums as a result of COVID-19 and the company has stopped cancelations and non-renewals of policies. These measures will remain in effect through June 2, 2020.
ERIE
- ERIE has announced $200 million in dividend payouts to personal and commercial auto insurance customers. You can calculate your payout by taking your annual premium as of April 1st, 2020 and multiply that by .30 / divided by 6.
- Checks will by sent out by mid May. They will be sent out automatically, once approved.
Esurance
- Esurance is giving a 15% payback to many of its customers for the months of April and May.
- The payback will arrive automatically by the end of the month, to the last method of payment that had been used on your account. A check will be sent if an electronic option is not available.
- To get the payback, you need to have an active auto insurance policy (and have successfully made your initial payment) as of 3/31/20 for the April Payback and as of 4/30/20 for the May Payback.
- No further action is required to receive this payment.
Farmers & 21st Century
- Personal auto insurance premiums will be reduced by 25% for April and 15% for May on Farmers and 21st Century policies.
- Now through May 21st, Farmers Insurance is temporarily pausing policy cancellations due to non-payment.
- If your due date is on or after May 22, you may be eligible for extending the deadline even further, but you must call 1-888-327-6335 to request an extension. Otherwise, payment deadlines of May 22 and beyond will stay in place.
GEICO
- GEICO is giving its auto, motorcycle, and RV policyholders a 15% credit on their next 6-month or 12-month policy term. On average, customers can expect about $150 per auto policy without having to take any further action.
- The GEICO Giveback Estimator can help you calculate your credit and the date you’ll receive it.
- Cancellation of coverage due to non-payment and policy expiration has been paused through at least May 31, 2020 or later as directed by your state. This pause is automatic for policyholders, and no further action is required.
The Hartford
The Hartford’s COVID-19 Personal Auto Payback Plan gives policyholders a 15% credit on their April and May auto insurance premiums. If you had an auto policy with The Hartford as of April 1, you do not need to take any action to receive this credit.
Kemper/Infinity
Personal auto customers who have a policy with Kemper or Infinity as of April 30 will be credited 15%
of their April premiums in May. Customers with a policy in force as of May 31 will be credited 15% of their May premiums in June. There is no action required on your part, and the credits will be applied directly to your policy (pending regulatory approval).
Liberty Mutual & Safeco
- Liberty Mutual and its subsidiary, Safeco Insurance, are giving personal auto insurance customers a 15% refund on two months of their auto premiums as of April 7, 2020. Pending regulatory approval, these refunds will be automatically issued either by check or in the form of your most recent payment. No further action by customers is required.
- Liberty is also offering Payment Flexibility Options, including the suspension of late fees and a temporary pause on personal auto and home coverage cancellations due to non-payment. This grace period will last through June 1 or longer, as required by individual states.
- Liberty is also extending payment dates if needed. Please contact your insurer if you are interested in this option.
Mercury
Mercury Insurance is giving back 15% to it’s customers for two months. In California, the payback start day is March 19th. For all other states it is April 1st. The credit will be applied to accounts in early May. The second credit will be given in early June.
MetLife Auto & Home is halting cancellations of auto policies due to nonpayment through July 1 to offer relief to its customers. Auto customers who are paid to date will receive a 15% credit for April and May based on their monthly premiums.
Nationwide
Nationwide is offering a one-time premium refund of $50 per policy for personal auto policies active as of March 31, 2020. The refund will arrive in the next 30 days, and it will be returned to customers in the last form of payment they used.
Progressive
- Progressive’s active personal auto policyholders will receive a credit for 20% of their April and May premiums. This credit will automatically be calculated at the end of each month and applied to your remaining balance. If you’re already paid in full, it will be returned to the payment method you have on file. No action is required from policyholders.
- Starting April 1, Progressive paused late fees, collections, and cancellation of any active policies due to non-payments. This leniency period currently extends through May 15, 2020, or longer in accordance with state-specific requirements. Customers are encouraged to call if they need extra time to pay their bills or other forms of billing leniency.
- Progressive is also supporting first responders, health care workers, and delivery personnel by providing expedited roadside assistance, expanding coverage for personal auto customers who are temporarily delivering food or medicine, and providing a full-service claims experience for essential personnel who experience a car accident (including transportation to work or a rental vehicle).
- Personal auto insurance customers will receive a 15% refund on two months of their auto premium, based on the premium amount as of April 7, 2020. No further action is required, as this will be automatic once state insurance regulators have approved it.
- Safeco has stopped charging late fees and has temporarily paused personal auto & home coverage cancellations due to non-payment through June 1, 2020, or later as directed by individual states.
Shelter Insurance Group
- Shelter Insurance and its subsidiaries (AmShield, Haulers, and Say) will be issuing payments to its policyholders that will amount to about 30% of their personal auto monthly premiums for the months of April and May.
- If a customer paid their premium automatically through a bank account, this refund will be deposited directly into their account whenever possible. Otherwise, a check will be mailed.
- The Shelter Insurance Group will also continue coverage when customers can’t pay their premiums. This policy extends to its subsidiaries as well.
State Farm
- As part of its Good Neighbor Relief Program, State Farm is offering its policyholders a credit of about 25% of their auto premiums from March 20 through May 31 (exact percentages will vary by state). Customers do not need to take any action to receive this credit.
- State Farm is also offering flexible customer payment options as needed. Customers facing financial challenges are encouraged to call their State Farm agent, who can discuss payment options with them.
Travelers
- Travelers is giving U.S. personal auto insurance customers a 15% credit on their April and May premiums through its new Stay-at-Home Auto Premium Credit Program. The company will automatically credit customers’ accounts, and no further action is required by customers.
- Travelers is also offering billing relief to customers, including suspending cancellation and nonrenewal of coverage due to nonpayment through June 15, 2020. No interest, late fees, or penalties will be charged.
USAA
Every USAA member with an auto insurance policy in effect as of April 30 will receive a 20% credit on a third month’s worth of premiums. This follows last month’s announcement that USAA would provide a 20% credit on two months’ worth of premiums. Policyholders will automatically receive this credit in the coming weeks, and no further action is required.
These companies are supporting frontline heroes with awesome freebies!
Thank you so much for letting us know! I was thinking of calling Geico to ask about a possible discount, since we are very rarely driving these days, and my husband thought we shouldn’t. I’m glad that these companies are taking it upon themselves to offer these credits. Thanks again!
You’re SO very welcome, Natalie! Glad this was helpful!
USAA is giving a 20% credit back as well for the next two months!
Do you know if it’s automatic or if you have to call to get it?
With USAA, is credit applied to your bill.
According to their website, yes
Automatic
Allstate’s is automatic and its for April and May
Oh awesome! Thanks for the heads up!
Thanks so much for sharing that, Kathryn! We’ve added USAA to our list.
Does anyone know if State Farm is doing this as well?
I was about the ask the same question.
They said they would announce something by end of the week. Probably just a matter of how much since others are forcing their hand by doing it already.
probably not much. I normally pay my car insurance every six months, so a nice discount would be great. The reality is, I already work from home and my agent stated State Farm doesnt over discounts for that…smh. So I would be surprised if they offer a discount.
Yes just look on this page, for the red Van under the title State Farm you just need to about half way on the page,
anyone heard anything about progressive?
Said they would probably be giving a discount or credit and will announce their decision by the end of the week.
Anyone hear if West Bend is doing anything???
So for AllState it will be automatic? No need to call or anything?
According to Allstate’s website, that’s correct Lauren! They do recommend checking your payment information to make sure that it’s up to date, though.
Thank you!
Hi Lauren! Here are the details on how you will receive that -> “This refund will be automatically returned to the original form of payment or applied as a credit to your account, depending on how you have your preferences set.”
Thank you!
You’re very welcome!
Yay Allstate! Love that they’re doing this automatically and there’s no hoops to jump through!
My Geico policy renews in April. The premium went up almost $20. No new accidents, tickets, cars or drivers. So now with the 15% it will be closer to what it was the last 6 months.
It went up $20 a month that should say.
Yeah I about fell out of my chair when I read the Geico email.
Our GEICO went up over $300 a MONTH and my husband and I both have a clean driving record. Absolutely ridiculous so we called and cancelled.
Hello everyone! I read an article the end of last year talking about auto rates increasing in 2020 due to so many claims from the numerous natural disasters our country faced last year and the fact that cars are more high tech and therefore cost more to fix. I noticed a slight increase but luckily our vehicles are older so it didnt hurt us as bad. Just thought I would share. Heres to hoping that you all found it cheaper elsewhere!
They kept doing this to us so we switched to progressive. Been happy so far.
Does anyone know if Nationwide Insurance is offering any of these deals?
Nationwide is giving $50 credit.
Yes, I read yesterday that Nationwide is offering a $50 credit as well. Nationwide sent an e-mail. I have to go back and read the entire email. I’m thinking that is on each vehicle.
We got our Nationwide check yesterday. It is $50 per policy. We have 3 vehicles and are only getting one $50 check. Wish it was per car!
I contacted Progressive and was told “they are evaluating” and we’ll be notified if they decide anything.
Thank u for sharing!
When I asked Progressive last year why my premiums kept going up despite my age and no accident history, I was told that they can only offer discounts when their cost of doing business is reduced. This was only months after their tax rate in the US went from 35% to 20% when the last tax bill was passed. Like their cost of doing business was not reduced significantly! Given this response, I won’t hold my breath.
we had progressive for 14 years…the first 10 without issue. the last 4 our bill went up every single cycle. they would tell us everything from it’s your zip code, to it’s your car, the one we owned for a decade. ha. I switched to State Farm and have had zero issue since. My premiums have been the same unless i add a car. Also I became an auto and home insurance claims adjuster and after dealing with every insurance company on the planet i wouldn’t go back to Progressive if it was free.
Ha! I would probably follow you but they have been FABULOUS in defending me against a law suit. I was not found responsible by them or the state, but they still offer the other guy the full value of my coverage. He refused and they have a good lawyer in the case, even an accident reconstructionist!
Same…. I’ve had a really bad experience with Progressive and was a loyal customer for 10 years. Wouldn’t ever recommend to anyone.
Esurance is also doing this. I got an email. I can’t remember what the percentage was, but we will get a credit this month.
The same as All-State 15% off of April and May. All-State owns Esurance.
I definitely called GEICO 2 days ago and my payments decreased a nice amount since I am (gratefully) working at home with my full time job!!! This was very much welcomed!!!
Liberty Mutual is giving a 15% credit for 2 months. It’s automatic.
Nothing from Progressive yet…..
nothing from Statefarm 🙁
State Farm is bad. I was out running and attacked by a dog, the owners were insured by State Farm. I had seen this dog (german sherpard mix) he was extremely aggressive but always behind a fence until one day where he was tied to a bush in their front yard. When I ran by he ripped the bush out of the ground and attacked me. He probably weighs 130, a lot more than me, and he ripped a chunk out of my finger and bit all up my leg and rear end. I had several dr appt and couldn’t get my hand wet for a month. I felt like I got hit by a truck. State Farm said they would pay for the $1500 in medical but nothing else because the dog had never been aggressive before!!! So because these people are liars they all got off the hook. They didn’t even reimburse me for my ripped up clothes. I will never have anything to do with a company that doesn’t do the right thing.
Side note: the $1500 was just regular dr app, I should’ve called 911 at the time but even though I felt sick when it happened I didn’t. This was over 5 dr appt with my regular dr.
I would have sued the owners in small claims court for the remainder of the medical bills, clothing, missed work, and pain and suffering.
Not State Farms fault. Go after the owner of the dog, small claims etc.
Thanks for the 411!!
You ladies/gents are doing a phenomenal job during our crisis! I just can’t say enough good things about the work y’all do for so many readers. 😍🙌🏼 This is wonderful news for myself and probably many of your readers.
Thanks so much for the sweet feedback, LG! We sure do appreciate it, and we’re so glad you’re finding it helpful!
We use State Farm, and have three vehicles. All of us are working from home, and MI has had a shelter in place for awhile now. State Farm doesn’t have any savings plan yet, so I put two vehicles in garage “storage”, to save money (Only about $12 a month for each car now). We’re not going anywhere but the store basically. The third vehicle I put on the Drive Safe & Save discount, which should save me quite a bit, by not putting many miles on the car. That’s a lot of savings every month, when we’re not really driving anymore, and not sure how long employment will last. Hope this helps someone else.
Thanks so much. Didn’t know you could do this!
yes you just have to do it for a minimum of 30 days. we do it every year with a car that can only be driven in summer…we keep nothing on it besides comprehensive in case it’s stolen or a tree falls on it
I’m looking into the storage option…I have not been contacted by my agent with State Farm at all so far to go over options. I was advised by others not to do the plug in Drive Safe & Save discount for various reasons…I am hoping they will automatically lower payments for 2-3 months while I can get my finances in order.
Now, just as long as my homeowners insurance doesn’t go up because I’m spending all my time here, lol. 🙂
Travelers is crediting 15% for May and June 🙂
Thank you so much, Donna!
You can also add Travelers Insurance to that list.
They are also giving the 15% discount during this time. I’m an agent in Alabama and just got the email from the company.
With that in mind, we have launched the Stay-at-Home Auto Premium Credit Program, which will automatically give U.S. personal auto insurance customers a 15% credit on their April and May premiums. It’s our way of supporting our customers, and we hope it helps ease some of the financial burden many are experiencing. Please note that these credits will have no impact on the base commission associated with the policy.
Customers who pay by monthly installments will receive the automatic credit on future bills. Customers who have already paid their billing account in full will receive a direct payment. We are working with regulators to obtain all the necessary approvals.
The Stay-at-Home Auto Premium Credit Program is among several initiatives we have launched to provide relief during this challenging time. These include suspending cancellation and nonrenewal of coverage through May 15 – there will be no interest, late fees or penalties charged during this time. We are also accelerating more than $100 million of commission payments to eligible agents and brokers. And we have pledged $5 million to COVID-19 relief efforts to assist families and communities across North America
Shelter Insurance is giving 30% for April and May. No application necessary.
Awesome, thanks!
I canceled my home and auto insurance with State Farm a few years ago after having State Farm for decades on many homes and vehicles. I switched to AAA for both home and auto, because their premiums and coverage are a LOT better than State Farm in Illinois. When will AAA follow the lead of these other companies with these discounts?
I called AAA yesterday and was disappointed. We pay our auto policy in full every year so since April and May are already they “could not” do anything for my account. The rep also said that we get an yearly dividend but I stated that was not a discount, no budge. I’m disappointed and my renewal is due in June and wanted mileage to reflect the decrease in driving for the next 5 months and still nothing. 😬
Wow…wonder what they will do. I was considering switching to AAA from State Farm (previously with Allstate and Geico and those two got way too high)
AAA just sent out an email today (4/23) that they are giving 20 percent for 2 months. Yeahhhhhh!
FYI your car insurance rates are also based on your CREDIT SCORE, not just your driving history!!!
Wow I did not know that at all. Thanks for sharing that!!
Anyone have Goodville? Do they offer anything?
Wow! I hadn’t heard that State Farm was participating! Thanks for the good news!
You’re so welcome!
This is what my NC State Farm guy said:
If you turn the plate in, then we can remove the insurance. If not they the state will fine you.
Does this sound right?
I got an email today from my insurance – Nationwide- that I will be receiving a credit on my auto policy.
Thanks for the heads up, DJ!
We also received an email from nationwide advising us of a $50 credit to our account.
Sooo I’m not using my car 95% of the time due to the lockdown but I only get 15% of that month back? Nice deal ( and yes that was sarcasm).
I would much rather they kept the $40 and gave me additional coverage on my homeowners since I’m at home now. Or better yet let me donate it to cover a first responder’s or front line worker’s insurance. Those docs, nurses, EMTs and police deserve combat pay for this. I’d rather give it to them so they have 1 less worry.
Nationwide sent us an email yesterday that they are refunding us $50 from our premium active since at least March 31!
Oh wow! That’s awesome! Thanks for taking a moment to let us know!
Just got an email from Amica with 20% automatic discount on auto insurance for April and May!
Nice!
Safeco and Citizens here in Michigan will also be giving back a certain percentage of April and May’s auto payment.
Thank you, Brenda!
American Family Insurance will distribute a $50 premium relief payment to our customers for every personal automobile they have insured with us. It’s our way of encouraging you to keep going, and to remain hopeful as we get through the COVID-19 pandemic together.
Anyone know if alliance United/kempers is offering anything?
Thanks for letting us know this.
You are so welcome, Sue!
I’m in the Midwest and have Advantage Insurance. Anyone know or heard about them?
I received a check for $100 ($50 for each car insured) from American Family today.
Does anyone know how this credit would be handled by Metlife if your monthly premium is deducted from paycheck?
We are insured with American Family and received a $200 check yesterday ($50 for each car) in mail. Very nice since we are homebound.
I have GEICO and just got a new vehicle this year – this is helpful. Thanks!
Sounds like I need to change insurance companies! 🤔
Erie Insurance:
“ That’s why we’re announcing that we will provide $200 million in dividends directly to personal and commercial auto insurance Customers in our 12 states and the District of Columbia. This immediate relief represents about 30 percent of your monthly auto insurance premium for a two-month period or 5 percent of your annual premium.
You can calculate your dividend using this simple equation: Annual premium as of April 1, 2020, multiplied by .30 / divided by 6. You can find your annual premium on your most recent auto insurance declarations page. For personal auto insurance Customers, you can access your declarations page through your Online Account at View Policy Details.
Pending regulatory approval, you should receive a check from us in mid-May 2020. There is no need for you to call ERIE or your Agent to request the payment. Checks will be mailed directly to Customers with auto insurance policies in force as of April 1, 2020.”
Thanks so much for taking the time to share this with us! The details for Erie have been updated!
So if you pay month to month with State Farm, you basically just get an extension and pay the regular rates? That’s what we were told last month, but now we’re in May… wondering if anything got changed?
we have gotten no kind of discount from state farm! our bill has remained the same.
Farm Bureau Insurance will also be giving some type of discount they said to expect a letter in the mail. 👍😊
That’s great, Sarah! Thanks for commenting!
I Just received a credit of $140.09 towards my 6 month renewal for 2 vehicles. Thank you Geico.🙂