How does accident forgiveness work?

With accident forgiveness, your auto policy’s rate won’t increase from your first accident claim, regardless of fault. Some insurers include accident forgiveness in your policy 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 the list of eligible states varies by insurer.

Do I need accident forgiveness if I’m a safe driver?

If your insurer charges for accident forgiveness, it may be worth paying for regardless of how well you drive. The average driver files three to four accident claims in their lifetime. The unfortunate reality is that while you can control your own behavior on the road, you can't always predict what other drivers might do. Accident forgiveness can protect you from having your rate increased over another driver's mistake.

Does Progressive have accident forgiveness?

Not only does Progressive provide accident forgiveness, but it's also automatically included in our auto policies for certain accidents in most states. There are two types, and eligibility depends on how long you've been a Progressive customer.

  1. Progressive Small Accident Forgiveness

    In most states, as a new Progressive customer, you'll 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 our Loyalty Rewards program, Large Accident Forgiveness rewards those who remain with us for at least five years and who stay accident-free 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

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