Auto Insurance Companies That Don’t Penalize You for Small Accidents (2021)

Auto insurance companies that don't penalize for small accidents are not so hard to come by. Not all insurance companies do, but some offer accident forgiveness programs for their customers who qualify as good drivers. These programs vary by state and company. Before qualifying for these programs, insurance companies look at your driving record or prior traffic violations.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Aug 30, 2021

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A Concise Overview

  • Under various accident forgiveness programs, small accidents and fender benders are not penalized
  • Accident forgiveness programs vary from state to state
  • There are various ways to prove you are not at fault with non-chargeable accidents

How much does insurance go up after a minor accident? Your auto insurance rates depend on the insurance company, your driving record, and any insurance points you may have accrued on your license.

There are some car insurance companies that don’t penalize for small accidents and others offer accident forgiveness programs to their customers who qualify as good drivers.

Keep reading to find out how much insurance goes up after a minor accident and to find auto insurance companies that don’t penalize you for minor accidents.

Ready to buy auto insurance? Enter your ZIP code above to get free auto insurance quotes from companies that don’t penalize you for small accidents near you.

Which auto insurance companies don’t penalize you for small accidents?

Accident forgiveness is a benefit that is offered by some auto insurance companies that won’t penalize you for small accidents or minor traffic violations. The point of the program is for drivers to retain good driving records and eliminate an increase in premiums and rates after the accident.

Although the accident is forgiven by your insurance company, it stays on your driving record with the DMV and your criminal record if the accident was caused due to illegal activity.

Some auto insurance companies do penalize for small accidents, but you can compare savings and policies from the following car insurance companies that don’t penalize you for minor accidents:

Allstate Accident Forgiveness Program

Gold and Platinum “Your Choice Auto” are the accident forgiveness programs offered by Allstate. The program is available nationwide, but rules and requirements can vary by state and by driver.

The Allstate accident forgiveness program allows for one accident to be forgiven every three years. No accident surcharge will be added after a forgiven accident.

The Platinum program offers a few more advantages than the Gold:

  • an unlimited number of accidents are forgiven;
  • a diminishing deductible feature is offered, and;
  • customers are allowed to keep their safe driver discount after an accident

To enroll, customers must qualify as good drivers.

GEICO Accident Forgiveness Program

In order to qualify for this program, customers have to be accident-free for five years. It can also be purchased as a policy add-on by drivers who meet certain driving-record requirements.

If you qualify for GEICO’s accident forgiveness program, benefits include:

  • No accident surcharge added after a forgiven accident
  • Customers can keep their good driver discount
  • One accident is forgiven every 3-5 years depending on the state that offers the program
  • Your premium will not increase after a forgiven accident

The GEICO accident forgiveness program is not available in all states. Read our GEICO auto insurance review to find out if coverage is available in your state.

Farmers Accident Forgiveness Program

Farmers has no penalty for minor accidents. They allow for customers enrolled in their forgiveness program to have unlimited fender benders, with one accident being forgiven every three years.

If there are policies with multiple drivers and multiple vehicles, only one accident is allowed per policy.

A customer must qualify as safe drivers prior to purchasing accident forgiveness.

Liberty Mutual Accident Forgiveness Program

Free for any customer who has gone five years without a moving violation or accident, Liberty Mutual’s accident forgiveness program allows each policy to have one accident forgiven every five years.

Your premium will not increase after a forgiven accident, and no accident surcharge will be added after a forgiven accident. Customers are allowed to keep their safe driver discount after an accident has been forgiven.

Both at-fault and not-at-fault accidents may apply to accident forgiveness.

State Farm Accident Forgiveness Program

The State Farm accident forgiveness program allows one accident to be forgiven every nine years. For policies with multiple drivers and vehicles, one accident per policy is forgiven.

No accident surcharge will be added after a forgiven accident and customers are allowed to keep their safe driver discount after forgiven accidents.

This program is free for any customer who has had nine years of safe driving.

Travelers Accident Forgiveness Program

Responsible Driver and Premium Responsible Driver are the two accident forgiveness programs offered by Travelers Insurance Company.

One accident and one minor violation will be forgiven every three years.

Customers must qualify as a safe driver, meaning they have had no accidents or major moving violations in five years.

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What is a chargeable accident vs. a non-chargeable accident?

A chargeable accident leads to an increase in your auto insurance rates. With a chargeable accident, you are generally more than 50% at fault. In these instances, you have caused either bodily injury, death, or damage to property. Some states, such as Minnesota, define this by dollar amount.

A non-chargeable accident is typically caused by something out of your control or you are otherwise not at fault. These include the following incidents:

  • your car was legally parked when damaged
  • your car was struck in the rear by another vehicle and you (the driver) were not convicted of a moving traffic violation in relation to the accident
  • your car was struck in a hit-and-run, which must be reported within 24-hours of discovering the damages
  • the driver of another car was convicted of a moving traffic violation associated with the accident
  • accident was caused by collision with an animal or fowl
  • damage was caused by falling objects or flying gravel
  • accident happened when you were responding to an emergency and you are a volunteer or paid member of the fire department, first aid squad, or law enforcement
  • your car insurance company was able to recover 80% or more of your collision insurance claim
  • you were reimbursed by the person who caused the damage
  • there is a court judgment for the accident against the person who caused the damages
  • accidents in which claim payments are made under the personal injury protection

Depending on which auto insurance company you choose, only non-chargeable accidents may qualify for accident forgiveness.

How can I prove I am not at fault for an accident?

Finding out who is at fault comes down to the police and the insurance company.

Whether or not your insurance will go up with a 50/50 claim is dependent on your insurance company and whether or not you are a member of an accident forgiveness program.

Fault can be proven with a police report, a statement from the other party’s insurance company accepting fault, a legal document proving you were reimbursed for the accident, or the written statement from a driver attesting to their fault.

If you are worried your insurance will go up after a minor accident and need to find affordable auto insurance companies that don’t penalize you for small accidents, enter your ZIP code below to find providers near you today.

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