7 Insurance Companies Giving Refunds During the COVID-19 Pandemic

Fact-checked with HomeInsurance.com

Insurance bills are a considerable expense for many Americans each month, and with widespread disruptions to people’s income due to coronavirus, people need help. Along with major financial institutions offering relief, the nation’s largest insurers are stepping up to support those affected by the COVID-19 pandemic.

Missing an insurance payment could mean losing your coverage, so if you’re having trouble paying your insurance premiums, check to see whether your insurance company is providing assistance.

How are the largest insurers responding to coronavirus?

State Farm

“On average, most customers will see a 25% policy credit” for auto insurance policies, State Farm announced. “Customers do not need to take action. Credits will be applied automatically.”

State Farm also announced it has altered its leave policy to ensure customers and employees are safe while providing financial security to employees affected.

If you’re having trouble making your insurance payments, the insurer recommends reaching out to your State Farm agent. You can also reach out on State Farm’s mobile app or by phone.

Related: Laid Off? Here’s How to Apply for Unemployment Insurance.


Geico posted an update to its website announcing an automatic Giveback Credit. “GEICO is providing a 15 percent credit to our auto and motorcycle policyholders as your policy comes up for renewal between April 8 and October 7, 2020. The credit will also apply to any new policies purchased during this period.”

Geico has included a Giveback Credit Estimator on its website, but be aware that the full 15% credit for your policy term is applied at the time of renewal.

Its website also states that: “Effective immediately, we’re pausing cancellation of coverage due to non-payment and policy expiration through April 30, 2020.“ Keep in mind, any payments set up through Auto-Pay will still be deducted unless you manually cancel them. Also, you’ll still be required to pay back the balance owed on your policy once this grace period expires.

If you need to get in contact with Geico, it is recommending you reach out via the Geico app “as call wait times may be longer than usual.”


Allstate is also responding to coronavirus with an automatic program, its Shelter-In-Place Payback. “On average, personal auto insurance customers will receive 15 percent money back based on their monthly premium in April and May.”

For those who are struggling to make payments right now, an Allstate representative responded to our request with the following statement:

“Customers can now request a special payment plan, allowing them to skip two premium payments in a row with no penalty.

We’re encouraging customers to use the Allstate mobile app to start a claim, provide proof of insurance or request 24/7 roadside assistance.

For customers who want to reach out to a local agent, office staff is available by phone during normal business hours. Customers can also reach Allstate at any time at 1-800-ALLSTATE.”

Allstate will also be offering free identity protection and automatically covering “customers who use their personal vehicles to deliver food, medicine and other goods for a commercial purpose during the COVID-19 emergency period.”


Progressive announced it will be offering customers an automatic credit on both April and May premiums. “If you have an active personal auto policy at the end of April or May, you will be receiving a 20% premium credit.” 

It will be offering assistance to make sure customers don’t lose coverage during this crisis. “Starting April 1, 2020, we’ll waive late fees and hold off on canceling or non-renewing any active policies due to non-payment through May 15, 2020.”

It also urged customers in need to reach out for help online, on the app or by calling “1-800-PROGRESSIVE—just know that call wait times may be longer than usual.”

Related: Where to Find Financial Relief During Coronavirus


USAA recently announced: “Every member with an auto insurance policy in effect as of March 31, 2020, will receive a 20% credit on two months of premiums in the coming weeks.”

USAA’s website confirms its response to COVID-19:

  • “Special payment arrangements are available to assist members experiencing financial difficulties. USAA will not cancel members’ auto or property insurance policies or charge fees due to late payments on USAA auto and property insurance coverage through June 17, 2020.
  • Expanded auto insurance coverage for members who use their personal vehicles to deliver food, medicine and other goods for commercial purposes.”

Liberty Mutual

Liberty Mutual personal auto insurance policyholders “will receive a 15% refund on two months of their auto premiums, as of April 7, 2020, pending regulatory approval.” 

It will also be providing payment flexibility for those in need “and have temporarily paused personal auto & home coverage cancellations due to non-payment from March 23 through May 22, 2020, or later as directed by your state.” You can reach out to customer support for assistance if needed.

Liberty Mutual also announced steps to keep claims adjusters, employees, and customers safe during this time, limiting in-person contact to emergency scenarios only.


If you have a Farmers or 21st Century auto insurance policy that was active on April 1, you are eligible to receive a “25% personal auto premium credit.”  

It is also “providing additional time to pay while still maintaining your coverage,” but cautions that any deferred payments will accumulate if unpaid and become due “when normal billing operations resume.” 

Farmers is urging customers to file claims and manage policies digitally, either online or on the Farmers Mobile App. “If you are unable to make your payment on time as a result of COVID-19, please call 1-888-327-6335 to discuss your options.”

How can you find help with your insurance bills if you’re impacted by COVID-19?

If you don’t see your insurer on this list, we recommend visiting your insurance company’s website to see if they have a COVID-19 update. This may be posted as a banner on the homepage of the site, or you may be able to find it by googling the insurance company’s name along with “COVID-19.”

You can also reach out to your insurer directly by phone, but we have seen that many insurance companies are receiving a higher call volume than normal so be prepared for what may be longer than normal wait times.

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Samantha Kostaras is an insurance reporter at The Simple Dollar, covering financial services and insurance. Before becoming a writer, she worked as a financial analyst and earned her Bachelor’s degree in Finance from the University of Alabama.

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