Did your auto insurance company refund you enough for driving less this year?

State-by-state analysis shows companies financially benefited from fewer claims but barely compensated customers

 | 
Jacob van Cleef
Consumer Watchdog, Associate

Author: Jacob van Cleef

Consumer Watchdog, Associate

Started on staff: 2020
B.A. Villanova University

Jacob works to advance U.S. PIRG’s Consumer Watchdog campaign Jacob lives in Philadelphia where he enjoys soccer, listening to podcasts and cooking.

When the pandemic hit, Americans began driving significantly less. Auto insurance companies benefited from reduced driving and fewer crashes. Because insurance companies make money by not paying for accidents and other claims, the pandemic increased their profits by tens of billions of dollars, according to the Consumer Federation of America. Calculating insurers’ exact profits specifically from auto policies is difficult because insurance companies do not always break out auto insurance from other types of insurance in their financial reports, and not all companies even release financial statements. 

Regardless how much each company profited, the majority of insurers didn’t give back more than half of one month’s premium. Out of the 10 largest insurers of personal vehicles in each state, only 18 out of 71 companies returned at least 50 percent of one month’s premium. (Three additional companies hit that threshold only in California, which mandated additional refunds.) And only eight companies nationwide returned the equivalent of at least one month’s premium. The insurers’ increased profits greatly outweigh a half-month’s premiums.

In response to the increased profits since the COVID-19 pandemic hit, some companies gave customers credits on their bill; others implemented long-term rate reductions; others issued two-month rebates. In some cases, customers didn’t get a refund or rate cut unless they called. Still other insurers did nothing at all, even if customers asked. The range of responses disappointed some customers. In one example, consumers sued Allstate, American Family Insurance, Progressive, Geico, Erie, Travelers  and other insurers in Illinois, alleging inadequate relief.

Customers should know how their insurance companies have responded financially to COVID-19 and how they compare to other companies. Foremost, consumers should know whether they got what was coming to them. Did you get a check in the mail? Did you get a credit on your policy or a rate reduction on your renewal? If you’re not sure, check notices from your insurer or call your agent.

In addition, after you see how other insurance companies handled their windfall, you can use that as leverage to ask for better pricing from your insurance company or evaluate other insurers if you’re considering a switch. How fairly a company has treated its customers during the pandemic may influence you when it’s time to shop for new insurance. Unsatisfied customers should also call the offices of state lawmakers to push for state-mandated auto insurance rebates. Otherwise, the decision to rebate will be left entirely up to the companies. And unhappy customers can urge members of Congress to support hearings to address inaction by the states.

As the year draws to a close, various economic protections are ending, causing many Americans to find themselves in economic peril. The Center for Disease Control and Prevention’s (CDC) eviction moratorium, the government’s student debt repayment freeze and workers’ unemployment benefits could all be coming to an end soon. That leaves millions of Americans trying to get together as much money as they can get to pay additional bills during an economic crisis, so every dollar matters. Insurance companies making tens of billions of dollars off of these same Americans could be the difference between their customers living in their homes or in their cars in 2021.

Below is a list of the 10 largest insurers of personal vehicles in every state and Washington D.C. The information was either provided on the companies’ publicly available websites or by talking to a representative of the company. Evaluating which responses are best in our opinion is subjective to a degree, so there will be explanations of the various responses and why one kind is preferred over another.

This list counts only rebates, credits and rate changes, not charitable contributions, because this is about how companies are treating their customers.

A good response should be timely. The relief should not only help customers in the future, but also when the pandemic began. There was economic hardship in the spring as the decline in driving occurred, so any kind of economic reprieve would have been most beneficial at the time.

A company reducing its rates upon renewal and a company giving credits upon renewal may seem to be the same policy, but lowering rates is better for customers. Whenever an insurer changes rates, it has to justify the change to the government before the rate change can be implemented. Credits need to be approved by regulators only when adopted, but insurers don’t need approval to stop issuing the credit. The rate change has a greater long-term effect by starting the future rate discussions at a lower point.

Though each list of best responses per state is subjective, they should serve as good guides for consumers. We distinguish companies that did better than their competitors if they gave back the equivalent of one-half of one month's premium or more.


Alabama:

State Farm, Geico and USAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7. 

USAA gave a 20% credit from March through May, and 10% for June and July.

Allstate gave a 15% credit for April, May and June.

Progressive gave a 20% credit for April and May.

Travelers gave a 15% credit for April, May and June.

Liberty Mutual gave a 15% rebate for two months.

Farmers Insurance Group gave a 25% credit for April and 15% for May.

National General Holdings gave a 15% credit for April.

Alfa Mutual Group said it lowered premiums but declined to say by how much or provide other details.

 

Alaska: 
State Farm, Geico and USAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 10.7% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Allstate gave a 15% credit for April, May and June. 

Progressive gave a 20% credit for April and May

The Hartford gave a 15% credit for March, April and May. 

Liberty Mutual gave a 15% rebate for two months

Country Financial gave a 15% refund for two months

Western National Insurance Group gave a 15% credit for April and May

Tiptree did not respond to inquiries and did not announce anything on its web site.

 

Arizona:
State Farm, Geico, USAA, CSAA and American Family offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

CSAA rebated 20% between March 16 and May 15 and an additional 10% until June 30

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

The Hartford gave a 15% credit for March, April and May. 

Liberty Mutual gave a 15% rebate for two months.

 

Arkansas:
State Farm, Geico, USAA and Shelter offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Shelter rebated 30% of the premiums for April and May and reduced rates by 5% overall (exact percentage decrease varies based on coverage and individual profile and loss history). 

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months

The Arkansas Farm Bureau gave a 15% credit for March and April.

 

California:

State Farm, Geico, USAA, CSAA, Mercury General, Auto Club Enterprises Insurance Group, Allstate and Progressive offered better relief than their competitors.

State Farm gave a 27.5% credit from March 20 through May and reduced rates by 6.5%

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

CSAA rebated 20% between March 16 and May 15 and an additional 10% until June 30

Mercury General rebated 15% from March 19 through May and an additional 10% through July

Auto Club Enterprises Insurance Group rebated 20% for between March 16 and May 15 and 10% until July 31

Allstate gave a 15% credit for April, May and June and gave another 7% credit for June, July and August.

Progressive gave a 20% credit for April and May, a 15% credit for June and a 10% credit for July and August

Farmers gave a 25% credit for April and 15% for May

Kemper gave a 15% credit for April, May.

 

Colorado: 
State Farm, Geico, USAA and American Family offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.8% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May.

Kemper gave a 15% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Travelers gave a 15% credit for April, May and June. 

Nationwide rebated $50 per policy. 

Liberty Mutual gave a 15% rebate for two months.

 

Connecticut:
State Farm, Geico, USAA and Amica Mutual offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 10% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Amica Mutual gave a 20% credit for April and May and rebated 10% for July through October.

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Nationwide rebated $50 per policy. 

Liberty Mutual gave a 15% rebate for two months

Metlife gave a 15% credit for two months.

 

Delaware:
State Farm, Geico, USAA and CSAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 13.4% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

CSAA  rebated 20% between March 16 and May 15 and an additional 10% until June 30

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Nationwide rebated $50 per policy. 

The Hartford gave a 15% credit for March, April and May. 

Liberty Mutual gave a 15% rebate for two months.

 

Washington D.C.:
State Farm, Geico, USAA, American Family and Erie Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Nationwide rebated $50 per policy. 

Liberty Mutual gave a 15% rebate for two months.

 

Florida:
State Farm, Geico and USAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 10% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months.

Kemper gave a 15% credit for April and May

National General Holdings gave a 15% credit for April.

 

Georgia:
State Farm, Geico and USAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Auto-Owners Insurance rebated 15% for April and May

Liberty Mutual gave a 15% rebate for two months

The Georgia Farm Bureau said it partially rebated policy holders, but it did not respond to requests for details.

 

Hawaii:
State Farm, Geico and USAA offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 13.1% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

DTRIC Insurance lowered rates by an average of 12.5% for policyholders who asked the company for the rate cut.

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months

Island Insurance is giving a 10% discount for three months at renewal beginning Oct. 1, 2020. 

First Insurance Co. of Hawaii did not provide any financial relief for customers.

 

Idaho: 
State Farm, Geico, USAA and American Family offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.7% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months

The Farm Bureau Mutual Insurance Co. of Idaho did not respond to any inquiries about any financial relief for customers, and no information could be found on its web site.

 

Illinois:
State Farm, Geico, USAA and American Family offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 13.7% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months.

Country Financial gave a 15% rebate for two months.

 

Indiana: 
State Farm, Geico, USAA, American Family and Erie Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Auto-Owners Insurance rebated 15% for April and May

Liberty Mutual gave a 15% rebate for two months

The Indiana Farm Bureau rebated $20 per vehicle.

 

Iowa: 
State Farm, Geico and American Family offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farm Bureau Financial Services gave a 15% credit from March 14 through May

Nationwide rebated $50 per policy. 

Grinnell Mutual Reinsurance Co. rebated $30 per policy

Auto-Owners Insurance rebated 15% for April and May

IMT Mutual Holdings Co. said it saved policy holders $5 million but did not provide any details about how that was calculated or whether customers received any premium relief.

 

Kansas:
State Farm, Geico, USAA and American Family offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.3% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farm Bureau Financial Services gave a 15% credit from March 14 through May

Travelers gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Nationwide rebated $50 per policy.

 

Kentucky:
State Farm, Geico, USAA and Erie Insurance offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.7% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Auto-Owners Insurance rebated 15% for April and May

Liberty Mutual gave a 15% rebate for two months

The Kentucky Farm Bureau rebated $25 per car and said it plans to lower rates at renewal, but the exact rate cut wasn’t disclosed.

 

Louisiana:
State Farm, Geico, USAA and Shelter offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May and 10% for June and July

Shelter rebated 30% of the premiums for April and May and reduced rates by 5% overall (exact percentage decrease varies based on coverage and individual profile and loss history). 

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

The Louisiana Farm Bureau gave 15% a credit for two months

GoAuto Insurance gave a 15% credit for April and May.

Liberty Mutual gave a 15% rebate for two months

National General Holdings gave a 15% credit for April.

 

Maine:
State Farm, Geico and USAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Metlife gave a 15% credit for two months

Liberty Mutual gave a 15% rebate for two months

Concord rebated 15% of April and May

Hanover Insurance Group gave a 15% credit for April and May.

 

Maryland: 
State Farm, Geico, USAA and Erie Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 14.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Liberty Mutual gave a 15% rebate for two months

Nationwide rebated $50 per policy. 

Agency Insurance Co. of Maryland did not respond to inquiries about any financial relief and no information was found on its website.

 

Massachusetts:
Geico, USAA, Plymouth Rock, and Arbella offered better relief than their competitors.

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Plymouth Rock gave a 25% credit in April on liability and personal injury protection coverages. until the stay-at-home orders end in each state. 

Arbella gave a 20% credit for April through June

Progressive gave a 20% credit for April and May

Travelers gave a 15% credit for April, May and June. 

Liberty Mutual gave a 15% rebate for two months

Metlife gave a 15% credit for two months

MAPFRE gave a 15% credit for April and May

Safety gave a 15% credit for April, May and June.

 

Michigan:
State Farm and USAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.7% on renewal. 

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

The Auto Club Group rebated 20% for April and May

Auto-Owners Insurance rebated 15% for April and May

Liberty Mutual gave a 15% rebate for two months

Hanover Insurance Group gave a 15% credit for April and May

Pioneer State Mutual Insurance Co. gave a 15% credit for March and April. 

The Michigan Farm Bureau gave a 10% credit for two months upon renewal.

 

Minnesota:
State Farm, Geico, USAA and American Family offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Auto-Owners Insurance rebated 15% for April and May

Liberty Mutual gave a 15% rebate for two months.

 

Mississippi:
State Farm, Geico, USAA and Shelter offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Shelter rebated 30% of the premiums for April and May and reduced rates by 5% overall (exact percentage decrease varies based on coverage and individual profile and loss history).

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Liberty Mutual gave a 15% rebate for two months

The Mississippi Farm Bureau gave a 15% credit for two months

Nationwide rebated $50 per policy. 

Alfa Mutual Group said it lowered premiums but declined to say by how much or give other details.

 

Missouri:
State Farm, Geico, USAA, American Family and Shelter offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Shelter rebated 30% of the premiums for April and May and reduced rates by 5% overall (exact percentage decrease varies based on coverage and individual profile and loss history).

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Auto Club Enterprises Insurance Group rebated 20% for between March 16 and May 15. 

Liberty Mutual gave a 15% rebate for two months.

 

Montana:
State Farm, Geico and USAA offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months

National General Holdings gave a 15% credit for April

Mountain West Farm Bureau Mutual Insurance Co. said it was “doing stuff,” but it did not provide details of how it helped its customers.

 

Nebraska:
State Farm, Geico, USAA, American Family and Farmers Mutual Insurance Co. of Nebraska (which is separate from Farmers Insurance Group) offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December.

Farmers Mutual Insurance Co. of Nebraska reduced rates by 10% for new and renewed policies in effect as of July 1. 

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers Insurance Group gave a 25% credit for April and 15% for May.

Farm Bureau Financial Services gave a 15% credit from March 14 through May

Nationwide rebated $50 per policy.

 

Nevada:
State Farm, Geico, USAA, CSAA and American Family offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.7% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

CSAA rebated 20% between March 16 and May 15 and an additional 10% until June 30

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Travelers gave a 15% credit for April, May and June. 

Liberty Mutual gave a 15% rebate for two months.

 

New Hampshire:
State Farm, Geico, USAA and Amica Mutual offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 14.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Amica Mutual gave a 20% credit for April and May and rebated 10% for July through October.

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Liberty Mutual gave a 15% rebate for two months

Concord rebated 15% of April and May

Metlife gave a 15% credit for two months.

 

New Jersey: 
State Farm, Geico, USAA, Plymouth Rock and NJM Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 16% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Plymouth Rock gave a 25% credit in April on liability and personal injury protection coverages. until the stay-at-home orders end in each state. 

NJM Insurance gave a 15% rebate for two months for customers with policies as of Oct. 1 and a 7% rebate for the year for customers with policies as of Nov. 1.

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months.

 

New Mexico:
State Farm, Geico and USAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.3% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Auto Club Enterprises Insurance Group rebated 20% between March 16 and May 15. 

The Hartford gave a 15% credit for March, April and May. 

Liberty Mutual gave a 15% rebate for two months

Sentry did not respond to inquiries about any financial relief and no information was found on its website.

 

New York:
State Farm, Geico and USAA offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.4% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May. and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Liberty Mutual gave a 15% rebate for two months

NYCM Insurance gave a 15% credit for April and May

Nationwide rebated $50 per policy. 

National General Holdings gave a 15% credit forApril.

 

North Carolina:
State Farm, Geico, USAA and Erie Insurance offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.7% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

The North Carolina Farm Bureau rebated 20% for April and May

Liberty Mutual gave a 15% rebate for two months.

Nationwide rebated $50 per policy. 

National General Holdings gave a 15% credit for April.

 

North Dakota:
State Farm, Geico, USAA and American Family offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.4% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Farmers gave a 25% credit for April and 15% for May

Grinnell Mutual Reinsurance Co. rebated $30 per policy

National General Holdings gave a 15% credit for April

Nodak Mutual did not respond to inquiries about any financial relief and no information was found on its web site. 

Center Mutual did not respond to inquiries about any financial relief and no information was found on its web site.

 

Ohio:
State Farm, Geico, USAA, American Family, Erie Insurance and Grange offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 14.3% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Erie Insurance gave a 30% rebate for two months

Grange rebated 25% for April and May

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June.

Nationwide rebated $50 per policy.

Liberty Mutual gave a 15% rebate for two months.

 

Oklahoma:
State Farm, Geico, USAA, CSAA, and Shelter offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

CSAA rebated 20% between March 16 and May 15 and an additional 10% until June 30

Shelter rebated 30% of the premiums for April and May and reduced rates by 5% overall (exact percentage decrease varies based on coverage and individual profile and loss history).

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June.

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months

The Oklahoma Farm Bureau did not respond to inquiries about any financial relief and no information was found on its web site.

 

Oregon:
State Farm, Geico, USAA and American Family offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.4% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Travelers gave a 15% credit for April, May and June. 

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months

Country Financial gave a 15% refund for two months.

 

Pennsylvania: 
State Farm, Geico, USAA and Erie Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Erie Insurance gave a 30% rebate for two months

Travelers gave a 15% credit for April, May and June. 

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May.

Nationwide rebated $50 per policy. 

Liberty Mutual gave a 15% rebate for two months.

 

Rhode Island: 
Geico, USAA and Amica Mutual offered better relief than their competitors.

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Amica Mutual gave a 20% credit for April and May  and rebated 10% for July through October.

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Nationwide rebated $50 per policy. 

Metlife gave a 15% credit for two months

MAPFRE gave a 15% credit for April and May

Liberty Mutual gave a 15% rebate for two months.

 

South Carolina: 
State Farm, Geico and USAA offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 6.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May.

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Nationwide rebated $50 per policy. 

Liberty Mutual gave a 15% rebate for two months

Auto-Owners Insurance rebated 15% for April and May

The South Carolina Farm Bureau gave a 15% credit for two months.

 

South Dakota:
State Farm, Geico, USAA, American Family and Farmers Mutual Insurance Co. of Nebraska (which is separate from Farmers Insurance Group) offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.3% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December.

Farmers Mutual Insurance Co. of Nebraska reduced rates by 10% for new and renewed policies in effect as of July 1. 

Progressive gave a 20% credit for April and May

Auto-Owners Insurance rebated 15% for April and May

Farmers Insurance Group gave a 25% credit for April and 15% for May

Nationwide rebated $50 per policy. 

De Smet Farm Mutual said that they implemented policies to help its policyholders but declined to give any details as to what it did.

 

Tennessee: 
State Farm, Geico, USAA and Erie Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May.

Allstate gave a 15% credit for April, May and June. 

Tennessee Farmers Insurance rebated 24% for two months

Nationwide rebated $50 per policy. 

Liberty Mutual gave a 15% rebate for two months

National General Holdings gave a 15% credit for April.

 

Texas: 
State Farm, Geico and USAA offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 12.4% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Consumer County Mutual Insurance (owned by Travelers) gave a 15% credit for April, May and June

Auto Club Enterprises Insurance Group rebated 20% of premiums between March 16 and May 15. 

Liberty Mutual gave a 15% rebate for two months

The Texas Farm Bureau Insurance gave a 15% credit for April and May.

 

Utah: 
State Farm, Geico, USAA, and American Family offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 8.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Auto-Owners Insurance rebated 15% for April and May

Liberty Mutual gave a 15% rebate for two months

Bear River Mutual gave a 15% credit for April and May.

 

Vermont:
State Farm, Geico, USAA, Vermont Mutual and Patrons Co-op Fire Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 14.3% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July.

Vermont Mutual rebated 20% for three months

Patrons Co-op Fire Insurance rebated 20% for April, May and  June

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

Liberty Mutual gave a 15% rebate for two months.

Concord rebated 15% of April and May.

 

Virginia: 
State Farm, Geico, USAA and Erie Insurance offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Travelers gave a 15% credit for April, May and June. 

The Virginia Farm Bureau Federation gave a 20% credit for April and May

Liberty Mutual gave a 15% rebate for two months.

Nationwide rebated $50 per policy.

 

Washington: 
State Farm, Geico, USAA, American Family and PEMCO Mutual Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 14.4% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

PEMCO Mutual Insurance gave a 15% credit for April through October

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months

The Hartford gave a 15% credit for March, April and May.

 

West Virginia:
State Farm, Geico, USAA and Erie Insurance offered better relief than their competitors. 

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.6% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Westfield Insurance gave a 15% credit for April, May and June

Nationwide rebated $50 per policy. 

Liberty Mutual gave a 15% rebate for two months

The Hartford gave a 15% credit for March, April and May.

 

Wisconsin: 
State Farm, Geico, USAA, American Family and Erie Insurance offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 9.5% on renewal. 

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7. 

USAA gave a 20% credit from March through May, and 10% for June and July

American Family rebated $50 per car and gave a 10% credit for July through December

Erie Insurance gave a 30% rebate for two months

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Liberty Mutual gave a 15% rebate for two months

West Bend Mutual Insurance rebated $50.  

Acuity Insurance reduces rates upon renewal but details have not been released.

 

Wyoming: 
State Farm, Geico and USAA offered better relief than their competitors.

State Farm gave a 25% credit from March 20 through May and reduced rates by 7.3% on renewal.

Geico gave a 15% credit for an entire policy renewed between April 8 and Oct 7.

USAA gave a 20% credit from March through May, and 10% for June and July

Progressive gave a 20% credit for April and May

Allstate gave a 15% credit for April, May and June. 

Nationwide rebated $50 per policy. 

Farmers gave a 25% credit for April and 15% for May

Liberty Mutual gave a 15% rebate for two months

American National gave a 15% credit for April and May

Mountain West Farm Bureau Mutual Insurance Co. said it was “doing stuff,” but it did not provide details of how it helped its customers.

Jacob van Cleef
Consumer Watchdog, Associate

Author: Jacob van Cleef

Consumer Watchdog, Associate

Started on staff: 2020
B.A. Villanova University

Jacob works to advance U.S. PIRG’s Consumer Watchdog campaign Jacob lives in Philadelphia where he enjoys soccer, listening to podcasts and cooking.