Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Sep 28, 2021

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The Short of It

  • Many car insurance companies offer accident forgiveness for an additional fee
  • Accident forgiveness could be worthwhile but some companies charge more than others
  • Some car insurance providers will offer free accident forgiveness if you’ve been accident-free for a specific duration

Auto insurance companies that do accident forgiveness can save you money on your car insurance coverage if you happen to be involved in an accident. Not all car insurance companies offer the same rewards or benefits.

Researching car insurance companies can be tiresome. That’s why we’ll help to provide you with auto insurance companies with accident forgiveness and explain if accident forgiveness car insurance is worthwhile.

Ready to learn more about auto insurance companies that do accident forgiveness? We’ll cover accident forgiveness in just a moment. For now, enter your ZIP to get free quotes from top car insurance providers today.

Which insurance company has accident forgiveness?

Accident forgiveness can be worthwhile in some cases, and we’ll cover that shortly, but first, which auto insurance providers offer accident forgiveness? Most popular car insurance providers offer accident forgiveness in some capacity.

Some insurance providers that offer accident forgiveness include:

  • Allstate
  • Nationwide
  • State Farm
  • Liberty Mutual
  • Progressive
  • USAA

Again, each of these companies will offer different car insurance rates and different rate increases to include accident forgiveness, in most cases.

It is worth mentioning that some companies, including State Farm, will actually provide free accident forgiveness to drivers who have been accident-free for five years.

This might be why State Farm is consistently listed as one of the top auto insurance providers in the country by J.D. Power.

How do I get accident forgiveness?

Accident forgiveness is easy to get. If you are currently insured, you can simply ask your agent to add accident forgiveness to your current policy.

It would be wise to inquire about the price beforehand, however.

For those looking for a new car insurance policy, it’s recommended that you get auto insurance quotes with and without accident forgiveness to see how much each company charges for that benefit.

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What is accident forgiveness?

Accident forgiveness is a car insurance benefit that provides some leniency on accidents. Accident forgiveness helps to avoid increases in car insurance prices after accidents, including an at-fault accident.

With most car insurance providers, accident forgiveness only applies to the first at-fault accident, but you’ll want to confirm policy details with prospective insurers if you decide accident forgiveness is something you need.

Is accident forgiveness worth it?

Accident forgiveness could be a helpful resource. Every car insurance company will weigh pricing variables slightly differently, but accidents can become very costly if you don’t have accident forgiveness.

Average Annual Auto Insurance Rates Based on Driving Record
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with 1 Speeding ViolationAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUI
Liberty Mutual$3,344$3,633$3,922$6,427
State Farm$1,996$2,199$2,402$2,199
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One accident could raise your car insurance rates by nearly $2000 per year. most companies will increase your annual rates by about $400 which breaks down to roughly $33 per month.

High-risk auto insurance will be increasingly expensive. In short, the more accidents and infractions you have on your record, the more you’ll pay for car insurance.

How much does accident forgiveness cost? There’s no clear answer as each insurance company charges a different rate for accident forgiveness. In addition, this is a percentage-based rate increase rather than a flat rate.

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Overall, most companies charge about five percent extra when adding accident forgiveness to your policy. If you only pay $1000 per year for insurance, this would increase your policy by $50 or just over four dollars per month.

This increase is justifiable when compared to a potential rate increase of $33 per month after being involved in an accident. That said, not all companies charge the same amount for insurance or accident forgiveness.

Auto Insurance Accident Forgiveness: The Bottom Line

At the end of the day, it might be a good idea to avoid car insurance companies that don’t do accident forgiveness. Car insurance companies that offer this feature could be more forgiving to policyholders.

By now, you should have a better understanding of car insurance companies that do accident forgiveness. Before you go, get instant rates from top insurance providers by entering your ZIP below.