Types of accidents and claims that can increase your rate
Accidents that you cause will almost always raise your insurance price. Typically, insurers will charge more for accidents that were your fault. In certain states, however, your insurer may not raise your rate for an accident if the damage is under a certain dollar amount. Your insurance company will stop charging you for the accident after a few years (the length can vary by insurer and state).
It may seem unfair, but accidents that aren’t your fault may still increase your rate in certain states. However, they may not cost as much as at-fault accidents. As with speeding tickets and most other violations, not-at-fault accidents stay on your driving record for a few years (the length can vary by insurer and state).
It may seem unfair, but accidents that aren’t your fault may still increase your rate in some states.
Comprehensive claims (events beyond your control)
Comprehensive claims include theft, vandalism, fire, chipped/cracked glass, hitting an animal, and acts of nature. They remain on your record for a period of years (typically three, but can vary by state) and could raise your insurance rate. But, because you have no control over these, insurance companies may not raise your rate as much as they will for an at-fault accident.
Insurers consider comprehensive claims because they suggest a higher risk for a future claim. For example: If you hit a deer once, insurers view you as more likely to have another claim.
Still, at Progressive, we won’t charge you for comprehensive claims under $500 unless it happens multiple times.
Depending on the state, Progressive customers enjoy Accident Forgiveness benefits through our Loyalty Rewards program. If you qualify, we won’t increase your rate because you had an accident—even if it’s your fault. The longer you’re with Progressive, the better the Accident Forgiveness benefit.
Small accident forgiveness: Your rate won’t go up if you have a small claim of $500 or less. In most states, you get Small Accident Forgiveness as soon as you start your Progressive policy.
Large accident forgiveness: You can get this benefit in most states if you’ve been a Progressive customer for at least five years and accident-free for three straight years. Then your rate will not increase if you have an accident. Large Accident Forgiveness can vary by state.
If you got into an accident and are looking for ways to ensure you’re getting the lowest rate possible, see our tips to get cheap car insurance.