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Get accident forgiveness car insurance

This safe-driving perk protects your premium after an at-fault accident.

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Accident forgiveness is an insurance benefit that can help to differentiate providers and policies. Carriers that offer accident forgiveness provide you with the assurance that after your first at-fault accident, your monthly premiums won’t increase.

For drivers that want to hedge their bet against the potential costly aftereffects of a wreck, accident forgiveness is a great option to look into.

Free accident forgiveness: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare car insurance with accident forgiveness

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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What is accident forgiveness?

Accident forgiveness is a car insurance add-on or perk that protects your monthly premium from increasing after your first at-fault accident. Depending on your provider, you either pay to add it to your policy or earn it after keeping your record clean for a specified number of years.

However, accident forgiveness isn’t available in every state, and is extremely difficult to get in California. Luckily, you can find a range of insurance options similar to accident forgiveness, including:

  • First-ticket forgiveness. Protects you against a premium increase after your first moving violation or ticket. Similar to car accidents, tickets or moving violations typically result in a rate hike.
  • Disappearing deductible. An optional feature that reduces your deductible by a specified amount each year you’re insured without an accident. For instance, Nationwide’s vanishing deductible decreases your deductible by $100 for each accident-free year.
  • Good driver discount. Rewards drivers who maintain a clean record with a discount off typical rates — usually a flat percentage off monthly premiums.

How does accident forgiveness work?

Accident forgiveness kicks-in once you get into your first at-fault accident and submit a claim to cover the damages. Typically after you submit a claim, your insurance premium increases to cover the cost of the damages paid out and because you’re now deemed a high-risk driver.

If you have accident forgiveness, you won’t experience a rate increase to your monthly premium after your first accident.

How much does it cost?

You might not have to pay anything at all for accident forgiveness. Many insurers provide it as a loyalty perk, upgrading the policies of longtime customers who keep their driving records free of accidents for three or more years. Other insurers offer it as an add-on feature, with costs that vary by provider.

Still others offer accident forgiveness as both a perk and an add-on. Geico, for example, upgrades its customers’ policies after five years of accident-free coverage or as a paid policy option for around $6 a month.

Why would I need accident forgiveness?

Accident forgiveness can provide you peace of mind that comes with knowing your premiums will stay the same after your first accident.

Insurance rate hikes after an accident can be huge depending on the amount of damage paid out on the claim. Even a small fender bender can affect your premiums, leaving you with higher payments for up to three years after an accident.

The exact premium increase you face depends on your carrier, the severity of the accident and your state. But averages hover around 44% after reporting a claim.

When you consider that one in eight people are on the road without insurance, even the most cautious drivers may need to worry about footing the bill after an accident.

Is accident forgiveness worth it?

It depends on your driving habits. Generally, accident forgiveness can save you money in the long run if it’s a free benefit or you’re paying a small monthly fee for it.

Say you pay a $100 monthly premium to Geico for a policy, and you get into an accident. Factoring in the potential 44% premium increase you face after filing a claim, your premium increases to $144 — or $528 more a year. Paying a mere $6 a month to add accident forgiveness to your policy would have prevented that increase.

If your accident is the result of risky driving, like a DUI or high-speed driving, however, accident forgiveness won’t prevent your insurer from dropping you at renewal time. Some accident forgiveness programs will also put a dollar limit on what can be forgiven. So if a crash costs more than that amount — say the cap is $500 and your at-fault claim is for $800 — it won’t be forgiven, even if you have coverage.

How can I qualify for accident forgiveness?

The easiest way to qualify for accident forgiveness is to maintain a clean driving record. Most insurers require at least three years of crash-free driving before you’re eligible for the benefit.

Note that if you change providers, you’ll likely reset the clock to whatever term your new insurer requires for eligibility. It’s just one way that insurance companies build loyalty.

For multidriver policies, the benefit likely applies to one accident across all drivers on your policy. When a covered driver takes advantage of accident forgiveness, it’s typically no longer available to other drivers on the policy until you earn it back.

Also keep these qualification tips in mind:

  • Drive defensively. Even if you’re a safe driver, assume everyone else on the road isn’t. Stay watchful of other drivers, especially at intersections and when passing or turning.
  • Take a driving improvement course. Brush up on your driving skills and get a refresher of advanced road safety skills.
  • Avoid making small claims. If you can pay out of pocket for a broken windshield, your rates won’t increase after a claim and you should be closer to qualifying for accident forgiveness. And if you’re able to pay for small repairs out of pocket, you can afford a higher deductible, which has the side effect of lowering your rates.

What if I don’t qualify for accident forgiveness?

If you don’t qualify for accident forgiveness due to claims over the past three years, you can research alternative high-risk car insurance options.

One way to save is to explore pay-as-you-go policies. Usage-based insurance is a great choice for drivers with a short commute and less-than-clean driving record. The money you save on low mileage can counteract the higher premium for high-risk drivers.

How long an accident stays on your driving record depends on your state and the severity of the crash. On average, a typical at-fault accident will be on your record for three years. If you focus on three years of driving with no claims, you can then apply for accident forgiveness.

Not all states allow insurers to offer accident forgiveness to their customers. When signing up for a policy, ask your provider if your state allows this option.

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Pros and cons of accident forgiveness

Pros

  • Safe driving perk. If your driving record is free of accidents over three to five years, your insurer may upgrade your policy to include accident forgiveness.
  • Protects your premiums. Saves you money by preventing premium increases after an accident

Cons

  • Limited availability. Accident forgiveness isn’t legal in all states, and not every provider offers it.
  • Not always free. You might need to pay to add this benefit to your policy.
  • Only covers your first accident. After your first at-fault accident, accident forgiveness disappears from your policy’s benefits — often for another three to five years.

Which car insurance companies offer accident forgiveness?

Availability will depend on your state.

Company Details
Farmers Free policy upgrade after three years of no accidents
Geico Free policy upgrade after five years of no accidents
Liberty Mutual Available for purchase after five years of no accidents
Nationwide Available for purchase
Progressive Free policy upgrade for customers of at least five years with no accidents over three years

How do I apply for accident forgiveness?

To apply for accident forgiveness, first check your current coverage to make sure that it’s not already on your policy. This is especially true if you’ve been with the same carrier and accident free for three or more years.

To apply with your current plan, either log in to your online account or call your insurer to ask if the benefit is available. When shopping for new carriers, you can often select accident forgiveness as an optional add-on to a policy quote.

Bottom line

To protect yourself against a potential premium increase, accident forgiveness can be a valuable benefit to consider. Shop around and compare insurers to get the best overall value when considering your car insurance options.

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Frequently asked questions about accident forgiveness

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