Best Accident Forgiveness Auto Insurance Companies (2024)
Accident forgiveness is offered in most states and by most auto insurers. To qualify for the best accident forgiveness auto insurance companies quotes you must have a clean driving record for at least five years. State Farm accident forgiveness insurance requires nine years accident free. Without accident forgiveness your first at-fault accident can affect your premium for a minimum of five years.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- Accident forgiveness is offered to safe drivers with no accidents or violations for at least five years
- Without accident forgiveness, your auto insurance rates can be affected for five years or more
- Not all states allow accident forgiveness as a part of auto insurance
Accidents can do major damage not just to your vehicle but to your auto insurance as well.
The best accident forgiveness auto insurance companies offer coverage to a policyholder for one at-fault incident. Accident forgiveness can lower a policyholders burden by maintaining decreased rates. However, it won’t change the other factors that affect car insurance rates.
Of course, there are certain eligibility requirements you have to meet to receive accident forgiveness car insurance. These requirements include clean driving records and safe driver records. There are also limitations such as one accident per policy and not per driver.
Discovering the most affordable accident forgiveness auto insurance companies will come down to your specific need for accident forgiveness, how and if accident forgiveness will affect your rate and what each auto insurance company offers under accident forgiveness.
Enter your ZIP code in the free tool above to see accident forgiveness car insurance quotes in your area.
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What are the best accident forgiveness auto insurance companies?
Accident forgiveness means no increased rates after an accident but not all auto insurance companies offer accident forgiveness. Those that do include:
Allstate: Accident forgiveness is an optional policy feature. Accident forgiveness starts the day you sign-up and is available for use after qualifying. Eligibility requirements include no reported accidents for a specified time period.
Geico: You can request accident forgiveness as an add-on policy feature. It can begin the day you sign-up and is available for use after meeting the requirements . Eligibility requirements include no reported accidents or violations for a five-year time period. Your first at-fault accident is covered.
Liberty Mutual: Under this insurer, accident forgiveness as an add-on feature. To receive accident forgiveness you must have no reported accidents or violations for a five-year time period. Your first at-fault accident is covered.
Nationwide: You can purchase accident forgiveness as an add-on and your first at-fault accident will be covered. One must meet the eligibility requirements and keep a clean driving record with no reported accidents or violations for a specified time.
Progressive: Small Accident Forgiveness is an automatic feature available in every state accident forgiveness is permitted. It covers the first at-fault accident under $500. Large Accident Forgiveness covers your first at-fault accident over $500 if you have no reported accidents for five years.
State Farm: State Farm accident forgiveness is an automatic feature available that covers your first at-fault accident. To be eligible, policyholders must have clean driving records and no accidents for nine years.
Travelers: The Responsible Driving Plan is an optional feature. It covers the first accident or minor violation. The Premier Driving Plan is an add-on feature and includes decreasing and total loss deductibles.
USAA: The USAA accident forgiveness feature is optional. Accident forgiveness can be used if all drivers under the policy have a clean record with no accidents for at least five years.
Not all states allow accident forgiveness. For example, California passed Proposition 103 which makes accident forgiveness illegal in the state.
What are the best accident forgiveness auto insurance company rates?
Without accident forgiveness, your first at-fault accident can skyrocket your premium when it’s time to renew.
Average Monthly Auto Insurance Rates Increases With and Without Accident Forgiveness
| Auto Insurance Company | Rate Increase Without Accident Forgiveness | Rate Increase With Accident Forgiveness |
|---|---|---|
| Travelers | $131.75 | $27.50 |
| USAA | $144.00 | $43.50 |
| State Farm | $160.42 | $25.33 |
| Geico | $165.92 | $60.83 |
| Nationwide | $181.17 | $68.83 |
| Liberty Mutual | $196.50 | $59.17 |
| Progressive | $213.00 | $97.33 |
| Allstate | $280.58 | $82.17 |
Even though an at-fault accident will remain on your driving record, accident forgiveness auto insurance quotes will remain low.
Is accident forgiveness auto insurance worth it?
Auto insurance needs differ from person-to-person. Accident forgiveness is the same. You have to weigh if it’s worth it you to invest in accident insurance.
If you’ve never had an accident and boast a clean record accident forgiveness may seem irrelevant. But some environmental situations may prompt you towards the idea.
if you live in a high-risk area or you’re often stuck in traffic during your commute or if one of your policy holders is a younger driver accident forgiveness may be worth it to you.
Some states also require a certain amount of coverage that falls under accident forgiveness. Learn the minimum car insurance requirements in your state.
Choosing the best accident forgiveness auto insurance company for your lifestyle comes down to your state, environmental driving factors, the right rate and the accident forgiveness auto insurance company requirements that are easiest to meet for you.
Find accident forgiveness auto insurance quotes in your area by typing your ZIP code in the free tool below.
Frequently Asked Questions
What is accident forgiveness in auto insurance?
Accident forgiveness is a feature offered by some auto insurance companies that protects drivers from premium increases following their first at-fault accident. It allows policyholders to maintain their current rates even after being involved in an accident.
How does accident forgiveness work?
The specifics of accident forgiveness can vary depending on the insurance company. Generally, it requires drivers to meet certain criteria, such as maintaining a clean driving record for a specified period before the accident forgiveness takes effect. Once the criteria are met, the policyholder’s first at-fault accident will not result in a premium increase.
What factors should I consider when choosing an auto insurance company with accident forgiveness?
When selecting an auto insurance company with accident forgiveness, consider the following six factors:
- Eligibility requirements
- Policy cost
- Coverage options
- Deductibles
- Customer service and claims process
- Additional benefits
Can accident forgiveness be added to an existing auto insurance policy?
Yes, accident forgiveness coverage can usually be added to an existing auto insurance policy. However, the availability and terms of accident forgiveness may vary depending on the insurance company. Contact your insurance provider to inquire about adding accident forgiveness to your policy.
Is accident forgiveness available for all drivers?
Accident forgiveness may not be available to all drivers. Insurance companies typically have eligibility requirements, such as maintaining a clean driving record for a specific period. Additionally, some companies may exclude certain types of drivers, such as new drivers or drivers with certain violations on their record. Check with your insurance provider to determine if you meet the eligibility criteria.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.