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, as Americans stay home to avoid spreading the coronavirus. Less driving means fewer car crashes. Fewer car crashes means big savings for auto insurers.

And at least two companies have decided to pass those savings along to their customers.

. All 18 million drivers with Allstate auto policies will be receiving 15 percent of their premium, credited to their bank account, credit card or Allstate account.

"This is about fairness," Allstate CEO Tom Wilson said Monday, noting that driving mileage is down 35 percent to 50 percent, even in states that do not currently have shelter-in-place orders. "This is about doing it and not waiting to be asked." 

Allstate is also offering free identity protection to all U.S. residents, saying the sudden rise of virtual meetings and classes — in fact, virtual versions of virtually 

 exposes people to greater risk of cybercrime. ‘

Zoom has a dark side — and an FBI warning

American Family Insurance, a smaller company, will be sending checks of $50 per car to more than 2 million customers. All told, American Family has 

Chief Operating Officer Telisa Yancy said American Family is acting "out of responsibility to our customers."

Some other insurers, while not yet offering across-the-board pandemic rebates, can adjust premiums on a case-by-case basis for drivers who are suddenly not driving. 

Meanwhile, if you have essential work that keeps you on the road, stay safe out there.

Allstate reports that while accidents are less frequent, the crashes that do occur seem to be more severe. The likely culprit? Speed: Drivers can go faster than usual on pandemic-emptied streets. 

Business and Economic News

Health

COVID-19

Camila Domonoske

Author

The pandemic is keeping cars parked, which means fewer crashes — and big savings for auto insurers. Allstate and American Family Insurance have decided to return that extra cash to customers. 

Some auto insurers are sending refunds to customers as crash rate falls

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