Black Friday 2025 (November 28) is around the corner—and while shoppers are hunting for TVs and laptops, many Americans are also searching: “Are there Black Friday car insurance deals in the USA?”
The short answer: Yes, but not in the way you expect.
Most insurers don’t slash auto premiums like retailers slash electronics. Instead, the savings come from discounts, cashback offers, and smart timing.
This guide reveals:
âś… Which US insurers may promote Black Friday 2025 deals
âś… The 7 best real discounts you can claim this year
âś… How to use cashback portals safely
✅ 🚨 The 3 biggest scams to watch for
âś… Expert tips to lock in the lowest premium before 2026
Do Car Insurance Companies Offer Black Friday Sales?
Unlike electronics retailers, auto insurers rarely run one-day “mega-sales.” Car insurance pricing is based on risk profiles, not shopping holidays.
👉 But you can still save during Black Friday because:
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Cashback portals (Rakuten, TopCashback) often list insurers like Liberty Mutual with small rebates.
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Marketing campaigns promote existing discounts as “holiday specials.”
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Consumers shop more → insurers compete harder → better quote opportunities.
Bottom line: Black Friday deals exist—but the real money comes from standard discounts + stacking offers.
âś… The 7 Best Black Friday Car Insurance Discounts (USA, 2025)
| Discount Type | Average Savings | Insurers Offering It |
|---|---|---|
| Multi-Policy (Bundle Auto + Home) | 10–25% | State Farm, Progressive, Allstate |
| Safe Driving / Telematics | Up to 30% | Progressive Snapshot, GEICO DriveEasy, Allstate Drivewise |
| Good Driver (Clean Record) | 15–30% | Nationwide, Travelers, GEICO |
| Pay in Full | 5–10% | GEICO, Liberty Mutual |
| Multi-Car Discount | 10–15% | Farmers, State Farm |
| Good Student / Defensive Driving | 10–20% | GEICO, Allstate |
| New Car & Safety Features | 5–10% | Progressive, Liberty Mutual |
💡 Pro Tip: Combine 3+ discounts (bundle + safe driver + pay in full) to save more than any one-time “Black Friday” promo.
How to Shop Smart This Black Friday 2025
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Get 5–7 Quotes → Compare GEICO, Progressive, State Farm, and at least one regional insurer.
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Quote Early → Policies quoted 7–14 days before start date often cost less.
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Use Cashback Portals Carefully → Treat them as a small bonus, not the main discount.
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Stack Discounts → Bundle home/auto, telematics, safe driver, anti-theft, etc.
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Verify Legitimacy → Check insurer license via NAIC Consumer Portal.
🚨 The 3 Black Friday Insurance Scams to Avoid
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Ghost Broking (Fake Policies) → Fraudsters sell fake “Black Friday insurance” via Facebook/WhatsApp.
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Unlicensed Brokers → If a broker insists on bank transfer or refuses to give a policy number, walk away.
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Too-Good-to-Be-True Ads → “70% off auto insurance this Black Friday” = scam. Real discounts max at ~30%.
👉 Always buy directly from an insurer’s official website or a licensed marketplace.
Top Insurers to Watch in 2025
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Nationwide → Among the cheapest nationwide for safe drivers.
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Progressive → Strong telematics + bundle discounts.
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GEICO → Wide range of driver/student discounts.
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Liberty Mutual → Frequently appears in cashback portals around Black Friday.
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Travelers → Competitive rates in many states with good driver records.
State-Level Insights 🗺️
Rates vary state by state. For example:
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Maine, Ohio, Idaho → Lowest average annual premiums (under $1,200).
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Michigan, Florida, Louisiana → Among the highest (often $2,500+).
👉 If you’re in a high-cost state, maximizing discounts during Black Friday matters even more.
FAQs
Q1: Do car insurance companies have Black Friday sales in the USA?
👉 Not in the traditional sense. Instead, expect marketing pushes, cashback perks, and normal discounts branded as “deals.”
Q2: Which insurer has the best Black Friday deals in 2025?
👉 GEICO, Progressive, and Liberty Mutual are expected to run promotions through cashback portals.
Q3: How do I avoid fake Black Friday car insurance deals?
👉 Verify the insurer at NAIC.org, avoid social media brokers, and confirm your policy directly with the company.
Q4: Is Black Friday the cheapest time to switch car insurance?
👉 It can be, because insurers compete harder. But real savings depend on your driving profile, not just the date.
Final Thoughts
Black Friday Car Insurance Deals 2025 (USA) are less about flash sales and more about stacking discounts, quoting smart, and avoiding scams.
If your auto policy is up for renewal, don’t wait—start comparing quotes in mid-November, look for cashback perks, and lock in a rate before 2026 premiums rise.
💡 Takeaway: The best “deal” is combining multi-policy, safe driver, pay-in-full, and telematics discounts—not chasing a one-day Black Friday gimmick.
