Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 17, 2021

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Key Takeaways

  • Some car insurance companies will give you up to 40% off for remaining accident-free
  • Stacking car insurance discounts can lower your rates by hundreds of dollars
  • Accident forgiveness prevents car insurance from going up when you have an accident

Auto insurance companies that give rewards for no accidents provide several perks. But what are those benefits?

Don’t worry – our guide explores the rewards for no accidents, accident forgiveness at car insurance companies, and what auto insurance discounts to ask for.

After you learn everything about car insurance companies that give rewards for no accidents, enter your ZIP code in our free online quote tool to compare multiple companies near you.

What are the best car insurance companies that give rewards for no accidents?

If you’re looking for the best auto insurance companies that give rewards for no accidents, start with the top companies in the auto insurance industry.

Check out this table to learn about the best insurance companies and their average monthly car insurance rates.

Top Car Insurance Companies' A.M. Best Ratings and Monthly Rates
Car Insurance CompaniesA.M. Best RatingsAverage Monthly Car Insurance Rates
AllstateA+ (Superior)$227
American FamilyA (Excellent)$160
FarmersA (Excellent)$206
GEICOA++ (Superior)$128
Liberty MutualA (Excellent)$284
NationwideA+ (Superior)$163
ProgressiveA+ (Superior)$202
State FarmA++ (Superior)$168
TravelersA++ (Superior)$205
USAAA++ (Superior)$115
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USAA is the cheapest auto insurance company in the United States, but it’s only available to military veterans and their immediate families. Also, USAA has a smaller market share compared to State Farm and GEICO.

Based on our research, GEICO, Nationwide, State Farm, and American Family are the most affordable companies.

You can secure rewards such as accident forgiveness and cheaper car insurance rates after a year of no accidents. But it varies for each company.

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Are there car insurance companies that don’t give rewards for no accidents?

It’s not likely that insurance companies don’t provide rewards for no accidents. Minimizing your incidents and traffic violations means you’re a low-risk driver, and maintaining a clean driving record over time typically comes with several benefits — regardless of company.

But why stop there? Use discount car insurance and stack other deals with other rewards. Read on to learn more.

Which discounts can lower car insurance rates?

According to the National Association of Insurance Commissioners (NAIC), the average cost of full coverage car insurance is $90 a month.

However, you may be able to secure cheaper auto insurance when you combine policy discounts, driver discounts, and other bargains with rewards you’ve earned for no accidents.

Let’s look at a few car insurance deals to see how your rates are affected.

  • Good Credit Discount – Up to 35%
  • Multi-Vehicle Discount – Varies
  • Multi-Policy Discount – Up to 25%
  • Good/Safe Driver Discount – Up to 40%

Good credit and a clean driving record can generate affordable car insurance quotes. And combining your auto insurance policy with something like renters insurance can save you much more.

Also, try a usage-based insurance program.

Why should I enroll in usage-based car insurance?

Two types of usage-based auto insurance exist, which are pay-how-you-drive insurance (PHYD) and pay-as-you-drive insurance (PAYD).

PHYD insurance focuses on providing car insurance deals based on your driving behaviors. Therefore, the better your driving habits, the more you’ll save.

PAYD insurance produces a monthly rate based on the number of miles you drive.

For drivers who don’t have accidents, PHYD auto insurance is better for you. You already qualify for discounts, and the PHYD program can lower rates again.

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Car Insurance Companies That Give Rewards for No Accidents: The Bottom Line

The best rewards for no accidents are accident forgiveness and cheaper auto insurance rates.

More prominent companies give you accident forgiveness for free, but some insurance companies charge you for it.

But if you maintain a clean driving record and no accidents, you’ll always have affordable rates through car insurance discounts.

Now that you know how car insurance companies reward you for no accidents, enter your ZIP code in the free online quote tool below to compare multiple companies in your area.