Types of accidents and claims that can increase your rate

At-fault accidents

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 certain number of years (the length varies by insurer and state).

Not-at-fault accidents

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 certain number of years (the length varies by 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 (varies 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.

Remember, all insurance companies price differently based on accidents. Just get an auto insurance quote online or call 1-866-749-7436 to see your insurance price from Progressive.

Accident forgiveness

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 and violation-free for up to five years. Then your rate will not increase if you have an accident. Large Accident Forgiveness can vary by state.

You can also purchase Progressive Accident Forgiveness when you first buy your Progressive policy or during policy renewal.* You can still take advantage of Small and Large Accident Forgiveness when you purchase Progressive Accident Forgiveness — which means you could have more than one accident forgiven during the same policy period.

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.

Looking for more information about auto insurance? Our car insurance resource center has you covered.