How does accident forgiveness work?

With accident forgiveness, your rate won't increase after your first car accident claim, whether it's at-fault or not-at-fault. Some insurers include accident forgiveness at no charge, while others offer it as a purchased endorsement — meaning you pay a higher rate in exchange for the benefit. Keep in mind, accident forgiveness may not be available in all states and eligibility can vary by insurer.

Without accident forgiveness, your rate increase after an accident may vary. According to Progressive countrywide data, one at-fault accident can raise your rates by up to 28% on average.*

Is accident forgiveness worth it if I'm a safe driver?

If your insurer charges extra for accident forgiveness, it may be worthwhile regardless of how well you drive. The unfortunate reality is that you can't control what other drivers will do on the road. Accident forgiveness can give you a cheaper auto insurance rate in the event of an accident by protecting you from another driver's mistake.

Does Progressive have accident forgiveness?

Progressive provides accident forgiveness and it's automatically included in your auto policy for certain accidents in most states. Progressive offers two types of accident forgiveness, and eligibility depends on how long you've been a Progressive customer.

  1. Progressive Small Accident Forgiveness

    As a new Progressive customer in most states, you'll receive this benefit as soon as your policy begins. With Small Accident Forgiveness, your insurance rate stays the same if your total claim is less than or equal to $500.

  2. Progressive Large Accident Forgiveness

    Available to customers in most states as part of the Loyalty Rewards program, Large Accident Forgiveness rewards those who stay with Progressive for at least five years and remain accident and violation-free for a minimum of three consecutive years. With Large Accident Forgiveness, your rates won't increase if you're at fault in an accident, even if the total claim exceeds $500.

How to get accident forgiveness

New Progressive customers

Call 1-866-749-7436 or quote auto insurance online and see if accident forgiveness can be automatically added to your new policy.

Current Progressive customers

Log in to your policy or call us at 1-866-749-7436 to see if accident forgiveness is available and included in your policy.

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