Auto Insurance Companies That Offer Accident Forgiveness (2021)

State Farm, Progressive, and Travelers are just a few of the auto insurance companies that do accident forgiveness. Your accident forgiveness auto insurance quotes will vary from company to company and based on other common auto insurance underwriting guidelines. Many auto insurance companies offer accident forgiveness for an additional 5% of their standard auto insurance rates.

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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: Sep 30, 2021

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A Concise Overview

  • Many popular auto insurance companies offer accident forgiveness at an added cost
  • Some of the auto insurance companies that do accident forgiveness will provide it for free if you have been accident-free for a long time
  • Accident forgiveness prices will vary by company but tend to be an added expense of roughly 5%

Auto insurance coverages can be more affordable with auto insurance companies that do accident forgiveness. Not all companies offer accident forgiveness, but it could be worthwhile to include it on your policy.

Researching insurers can be time-consuming. We’ll help by highlighting auto insurance companies with accident forgiveness and discussing  whether or not accident forgiveness is worthwhile.

Continue scrolling to learn more about auto insurance companies that do accident forgiveness. Enter your ZIP code to get free quotes from top car insurance providers in your area.

What are auto insurance companies that do accident forgiveness?

For starters, what is accident forgiveness? Accident forgiveness is an auto insurance policy feature that many companies offer at an added cost for policyholders. In short, your rates won’t increase if you’re involved in an accident with this add-on.

Many popular companies might refer to accident forgiveness as a type of auto insurance discount. Which insurance company has accident forgiveness?

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Some of the companies that offer accident forgiveness include Allstate, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA. Is accident forgiveness worth it?

Accident forgiveness is usually available for a price increase of about 5% with the companies that do provide it. That said, some insurers will offer accident forgiveness for free after a specific duration accident-free.

Average Annual Auto Insurance Rates With and Without Accident Forgiveness
CompanyClean RecordWith One AccidentWith Accident Forgiveness (+5%)
Allstate$3,819.90$4,987.68$4,010.15
American Family$2,693.61$3,722.75$2,828.29
Farmers$3,460.60$4,518.73$3,633.63
GEICO$2,145.96$3,192.77$2,253.26
Liberty Mutual$4,774.30$6,204.78$5,013.02
Nationwide$2,746.18$3,396.95$2,883.49
Progressive$3,393.09$4,777.04$3,562.74
State Farm$2,821.18$3,396.01$2,962.24
Travelers$3,447.69$4,289.74$3,620.07
USAA$1,933.68$2,516.24$2,030.36
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Above, you can get an idea of how much you’ll pay for accident forgiveness insurance when compared to the price of auto insurance with just one accident on your driving record.

The price for accident forgiveness car insurance listed above is based on a typical increase of 5% and is not a direct quote from the insurance providers.

If you’re concerned about car insurance for teens in your household, you might want to invest in accident forgiveness. According to the Centers for Disease Control and Prevention, teen drivers are at an increased risk of accidents, specifically at night on the weekends.

The insurance providers that offer accident forgiveness may charge you more or less depending on their underwriting guidelines. Your accident forgiveness auto insurance rates will also depend on normal factors like location, vehicle type, and so on.

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How do I get accident forgiveness?

Thankfully, finding accident forgiveness isn’t very difficult. The companies that don’t do accident forgiveness may not want to accommodate high-risk drivers. Instead, they may offer high-risk auto insurance.

To buy accident forgiveness auto insurance, you’ll want to reach out to your local agent. In most cases, accident forgiveness can quickly be added to your policy.

To get the most affordable accident forgiveness auto insurance, you’ll want to be sure to get quotes from multiple providers since rates vary so much between companies, locations, and underwriting guidelines.

Auto Insurance Companies That Do Accident Forgiveness: Key Takeaways

Accident forgiveness could be a worthwhile auto insurance policy addition. For a small price, you could save a lot of money if you happen to be the cause of one accident.

We hope you enjoyed learning more about auto insurance companies that do accident forgiveness. Before you go, enter your ZIP code to get personalized rates from top auto insurance companies near you.

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