10 Best Auto Insurance Companies for Accident Forgiveness in 2024
Allstate, Progressive, and State Farm stand out among the 10 best auto insurance companies for accident forgiveness, with rates starting at just $87 per month. We aim to assist you in comparing quotes from these trusted companies, ensuring you receive optimal coverage and tailored discounts suited to your vehicle.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Apr 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Avg. Monthly Rate
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Avg. Monthly Rate
A.M. Best Rating
Complaint Level
Pros & Cons
Allstate stands out as the premier choice for the 10 best auto insurance companies for accident forgiveness, providing competitive rates starting at only $87 per month for comprehensive coverage.
In collaboration with Progressive and State Farm, they offer affordable rates and a wide variety of full coverage options tailored to meet your specific driving needs.
Company | Rank | Accident Forgiveness | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 5% - 10% | A+ | Drivewise Program | Allstate |
|
#2 | Up to 12% | A+ | Roadside Assistance | Progressive |
|
#3 | Up to 8% | A++ | High-Risk Drivers | State Farm |
|
#4 | Up to 10% | A+ | Accident Forgiveness | Nationwide |
|
#5 | Up to 9% | A | RightTrack Program | Liberty Mutual |
|
#6 | Up to 11% | A++ | Various Discounts | Geico |
|
#7 | Up to 10% | A | Safety Discounts | Farmers |
|
#8 | Up to 12% | A++ | Safe Drivers | Travelers |
|
#9 | Up to 9% | A | Rates w/Claims | American Family |
|
#10 | Up to 8% | A++ | Military Members | USAA |
- Allstate provides competitive rates starting at $87 monthly
- Leading insurance firms offer potential discounts for accidents
- Discount options are available to secure auto insurance for accidents
#1 – Allstate: Top Overall Pick
Pros
- Discount Prospects: Allstate provides tailored discount options for people.
- Financial Stability: Allstate is supported by a financially stable corporation.
- Excellent Customer Service: Allstate is renowned for its prompt and easily accessible service.
Cons
- Coverage Limitations: Certain additional policy features might not completely meet the needs of people. Use our Allstate auto insurance review as your guide.
- Claims Handling: People may encounter delays or challenges during the claims procedure.
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#2 – Progressive: Best for Roadside Assistance
Pros
- Customized Policies: In our Progressive auto insurance review, customized coverage options cater to cars.
- Robust Rates: Progressive provides affordable pricing.
- Price Reduction: Progressive offers various discount opportunities, including those specific to cars.
Cons
- Claims Handling: People may experience delays or complications in the claims process.
- Limited Discounts: Progressive may not offer as many discounts as some competitors.
#3 – State Farm: Best for High-Risk Drivers
Pros
- Discount Opportunities: State Farm presents various discount options.
- Financial Stability: State Farm is supported by a financially secure company.
- Exceptional Customer Service: State Farm is renowned for its responsive and user-friendly service.
Cons
- Coverage Constraints: Driving needs may not be eligible for policy add-ons. Find out more in our State Farm auto insurance review.
- Claims Process: People may encounter delays or complications when processing claims.
#4 – Nationwide: Best for Accident Forgiveness
Pros
- Wide Range of Coverage Options: Nationwide offers a comprehensive selection of coverage options, allowing customers to tailor policies to their needs.
- Vanishing Deductible Feature: The Vanishing Deductible program rewards safe driving by reducing deductibles over time.
- Member Discounts: Nationwide provides discounts for various affiliations and memberships, enhancing affordability for certain groups.
Cons
- Average Customer Satisfaction: Customer satisfaction ratings vary, as mentioned in our Nationwide insurance review with some customers reporting average experiences.
- Varied Premiums: Premiums may vary based on location and individual profiles, potentially impacting overall affordability.
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#5 – Liberty Mutual: Best for RightTrack Program
Pros
- Tailored Policies: Liberty Mutual offers customized coverage options for car insurances.
- Competitive Prices: Liberty Mutual provides affordable rates.
- Exceptional Customer Service: Liberty Mutual is widely recognized for its prompt and easy-to-use service.
Cons
- Restricted Membership: Liberty Mutual membership is limited to military members, veterans, and their families.
- Limited Availability: Liberty Mutual’s availability may vary by location. Check other details through our Liberty Mutual auto insurance review.
#6 – Geico: Best for Various Discounts
Pros
- Personalized Policies: Geico provides personalized coverage options for cars.
- Competitive Pricing: Geico offers affordable rates. Your affordability guide starts with our Geico auto insurance review.
- Discount Opportunities: Geico offers discounts, including ones for cars.
Cons
- Restricted Availability of Local Agents: Geico primarily operates through local agents, which may not be universally accessible.
- Coverage Restrictions: Some policy enhancements may not completely address cars’ needs.
#7 – Farmers: Best for Safety Discounts
Pros
- Personalized Coverage: Farmers, as mentioned in our Farmers auto insurance review, tailors to peoples’ needs.
- Cost-effective Premiums: Farmers offers affordable car insurance.
- Discount Availability: Farmers provides various offers, including those for car insurances.
Cons
- Limited Availability: Farmers mainly functions via local agents, potentially inaccessible in some regions.
- Policy Limitations: Specific additional coverage options may not completely meet requirements.
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#8 –Travelers: Best for Safe Drivers
Pros
- Competitive Rates: Our Travelers auto insurance review reveals competitive rates that are budget-friendly.
- Comprehensive Coverage Options: Travelers provides customizable policies.
- Discounts: Travelers offers various discounts, including those tailored for cars.
Cons
- Limited Local Agents: Travelers operates primarily online and over the phone.
- Coverage Limitations: Some policy add-ons may not fully meet cars’ needs.
#9 – American Family: Best for Rates w/ Claims
Pros
- Innovative Coverage Options: American Family offers unique coverage options, such as Accident Forgiveness and Deductible Rewards, providing added value.
- User-friendly Technology: With intuitive mobile apps and online tools, American Family makes it easy for customers to manage policies and claims.
- Strong Financial Stability: American Family’s robust financial standing ensures policyholders have a reliable and stable insurance provider.
Cons
- Potentially Higher Premiums: Some customers may find American Family’s premiums slightly higher compared to other insurers.
- Mixed Customer Service Reviews: While many customers have positive experiences, some reports in our American Family insurance review, challenges with claims processing.
#10 – USAA: Best for Military Members
Pros
- Personalized Coverage: USAA, as mentioned in our USAA auto insurance review, tailors to peoples’ needs.
- Cost-effective Premiums: USAA offers affordable car insurance.
- Discount Availability: USAA provides various offers, including those for car insurances.
Cons
- Limited Availability: USAA mainly functions via local agents, potentially inaccessible in some regions.
- Policy Limitations: Specific additional coverage options may not completely meet requirements.
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Best Accident Forgiveness Auto Insurance Companies
Accident forgiveness prevents rate hikes after a crash, but not all insurers offer it. Those that do include:
- Allstate: Optional feature, eligibility after a clean record for a specified time.
- Geico: Optional add-on, eligibility after five years with no accidents or violations.
- Liberty Mutual: Add-on feature, eligibility after five years with no incidents.
- Nationwide: Add-on, covers first at-fault accident after meeting requirements.
- Progressive: Automatic for small incidents, eligibility after five years without accidents.
- State Farm: Automatic, eligibility after nine years of clean driving.
- Travelers: Optional features covering first accidents or violations.
- USAA: Optional feature for clean records over five years.
Drivers With Accidents Saving Money on Auto Insurance
Best Auto Insurance Companies for Accident Forgiveness: The Bottom Line
Frequently Asked Questions
Will my rates be higher if I have a history of accidents?
Generally, having a history of accidents may lead to higher insurance rates. Insurance companies often consider an individual’s driving record as a factor in determining premiums. However, the exact impact on rates can vary depending on the severity and frequency of the accidents, as well as other factors such as your age and location.
What is accident forgiveness in auto insurance?
Accident forgiveness is a feature offered by some auto insurance companies that protects drivers from premium increases following their first at-fault accident. It allows policyholders to maintain their current rates even after being involved in an accident. Enter your ZIP code now to start.
How does accident forgiveness work?
What factors should I consider when choosing an auto insurance company with accident forgiveness?
When selecting an auto insurance company with accident forgiveness, consider the following six factors:
- Eligibility requirements
- Policy cost
- Coverage options
- Deductibles
- Customer service and claims process
- Additional benefits
Which are the best auto insurance companies for drivers with accidents?
While the best auto insurance companies for drivers with accidents can vary depending on individual circumstances, some companies are known for providing competitive rates and options for drivers with accident histories. Examples of such companies include Geico, Progressive, Allstate, State Farm, and Farmers Insurance. Enter your ZIP code.
Can accident forgiveness be added to an existing auto insurance policy?
Is accident forgiveness available for all drivers?
Accident forgiveness may not be available to all drivers. Insurance companies typically have eligibility requirements, such as maintaining a clean driving record for a specific period. Additionally, some companies may exclude certain types of drivers, such as new drivers or drivers with certain violations on their record. Check with your insurance provider to determine if you meet the eligibility criteria.
Does accident forgiveness affect my premium or deductible?
Accident forgiveness usually does not impact your premium or deductible directly. The primary benefit is that your insurance rates will not increase after your first at-fault accident. However, accident forgiveness typically does not waive your deductible, which is the amount you pay out of pocket before your insurance coverage kicks in. Enter your ZIP code now.
Can I transfer accident forgiveness coverage to a new insurance company?
Accident forgiveness coverage is typically tied to the insurance company providing the policy. If you switch insurers, you may lose the accident forgiveness benefit associated with your previous policy.
Are there any discounts available for drivers with accidents?
In addition to the accident forgiveness program, some auto insurance companies offer safe driving programs that can help you earn discounts over time by maintaining a clean driving record.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.