What car insurance companies offer accident forgiveness?
Many insurance companies offer accident forgiveness, but availability can differ by state, and terms and conditions can also vary. Here’s a rundown of five companies that offer accident forgiveness, their eligibility requirements, and other fine print you should know.
Included in Gold or Platinum "Your Choice Auto" packages.
At Allstate, accident forgiveness coverage is included in the Gold or Platinum “Your Choice Auto” insurance packages. With the Gold package, your first accident within three years is forgiven. With the Platinum package, you can have an unlimited number of accidents forgiven.
Earn for free with a good driving history, or add for an extra cost.
GEICO customers can earn the accident forgiveness policy benefit for having a good driving history. But if you don’t earn accident forgiveness for free, you could also add it to your policy at an extra cost. GEICO accident forgiveness covers just one accident per policy, even if you have multiple drivers on the policy. However, GEICO accident forgiveness isn’t available in California, Connecticut, or Massachusetts.
For drivers who've been accident- and violation-free for five years.
Liberty Mutual offers accident forgiveness to drivers who haven’t gotten into an accident or had a traffic violation within the last five years. You can find out if you qualify and how to sign up by logging into your Liberty Mutual online account or calling a sales agent.
Buy as an add-on, get one accident forgiven.
At Nationwide, you can purchase accident forgiveness as a coverage add-on, and it covers every eligible driver on your policy. However, it can only be used for the first accident.
While adding accident forgiveness may increase your policy premium, Nationwide says that the savings you see from avoiding a rate increase after an accident could offset the cost. You can sign up for accident forgiveness by calling Nationwide or speaking with a local sales agent.
Three accident forgiveness options to choose from.
Progressive offers three accident forgiveness options — small accident forgiveness, large accident insurance, and Progressive® Accident Forgiveness. Small accident forgiveness is available to all new customers and protects you from rate hikes for insurance claims of $500 or less.
Large accident forgiveness prevents your rate from increasing after a claim of $500 or more. It’s for drivers who have been Progressive customers for at least five years and had no accidents for five consecutive years. Progressive® Accident Forgiveness is additional coverage that can be purchased and covers one accident per policy period.