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In the past few days, we have seen several personal auto insurance carriers that we represent release statements saying that they will be giving discounts or returned premium to their auto insurance policyholders for the next couple of months. This makes sense for all parties:

  • For you, the policyholder: You probably aren’t using your vehicles nearly as much (or at all), so it only makes sense that you don’t have to pay as much – your risk has reduced.
  • For the carriers: Because there are fewer cars on the road, they will likely see a substantial decrease in auto losses, and so it makes sense for them to return the surplus to the policyholders.

Here is a list of our carriers that have made announcements so far (we will continue to add this list as we believe more carriers will follow suit), as well as a selection of their comments. If you have any questions about your specific situation, please reach out to us and we will be happy to help.

Note: All credits are subject to regulatory approval


  • Cincinnati Insurance and Cincinnati Casualty auto clients will receive a 15% credit per policy on their April and May premiums – pending regulatory approval.
  • No action is required to receive this discount.
  • More details on Cincinnati’s website



  • Most customers will receive 15% of their monthly premium in April and May.
  • Customers will receive the money back through a credit to their bank account, credit card or Encompass account.
  • We are also providing free identity protection for the rest of the year to all U.S residents who sign up, since our lives have become more digital
  • All Encompass personal auto policies are included, but this does not include Motorcycle, Motorhome or ATVs.
  • Customers with an active policy in force as of March 31, 2020 with at least liability-only coverage will receive a payment. New Encompass customers after April 1, 2020 will receive an amount for the time they are with us, provided a payment has been made on their policy.
  • More details on Encompass’s website



  • If you have an active personal auto policy at the end of April, you’ll receive a credit for 20% of your April premium.
  • We’ll offer the same 20% credit to active personal auto customers at the end of May, and we may offer additional credits in the upcoming months.
  • There’s nothing you need to do. We’ll automatically calculate your credit at the end of each month, and then you’ll see it reflected in your account within a few weeks. If you have a balance on your policy, we’ll apply the credit directly to your remaining balance. And if you’re already paid in full, we’ll return the money to the payment account we have on file—so please make sure your payment details are up to date.
  • More details on Progressive’s website



  • Personal auto insurance customers will receive a 15% refund of two months of their annual auto premium as of April 7, 2020, pending regulatory approval.
  • The refunds will begin in April and will be issued either by check or in the manner the customer made their most recent payment.
  • The payments will happen automatically. Customers do not need to call Safeco to receive the refund.
  • More details on Safeco’s website



  • Personal AND Commercial Auto policyholders will be receiving a 15% credit.
  • Pending regulatory approval, customers with an inforce personal and/or business auto policy as of April 30, 2020 and May 31, 2020 will receive 15% of their monthly premium for April and May applied to their account.
  • Credits automatically will be issued without action required.
  • More details on Selective’s press release, as well as their Q&A on their website



  • 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
  • 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.
  • More details on Travelers’s press release