Best Auto Insurance Companies That Don’t Penalize You for Small Accidents (2021)

Shopping for insurance quotes online will help you to find affordable auto insurance with auto insurance companies that don't penalize for small accidents. GEICO is one such company that offers insurance at an average of $94/month. Car insurance companies that don't penalize for small accidents each have their own nuances so drivers should always ask questions and compare quotes before purchasing a new policy or any added accident forgiveness benefits.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 9, 2021

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Things to Remember

  • With accident forgiveness programs, drivers can avoid rate increases after an accident
  • No two accident forgiveness programs are the same so drivers should compare multiple quotes from different companies
  • Shopping online is an efficient way for drivers to find companies that offer accident forgiveness programs

If you’re involved in an accident, you may find yourself asking, “Will my insurance go up with a 50/50 claim?” Unfortunately, yes.

Even if you aren’t the only person responsible for a small accident, your record will still be tainted, and you could see your rates increase.

However, when you shop online to find cheap auto insurance, you can buy auto insurance from auto insurance companies that don’t penalize you for small accidents through the use of programs like accident forgiveness.

You don’t have to wait to get auto insurance quotes from auto insurance companies that don’t penalize for small accidents. Enter your ZIP code above to receive free quotes from car insurance companies that don’t penalize for small accidents today.

What are the best auto insurance companies that don’t penalize you for small accidents?

If you’re afraid of incurring increased auto insurance rates by auto insurance companies that do penalize for small accidents, look over this list to discover which companies have an auto insurance accident forgiveness plan:

  • GEICO
  • Allstate
  • Farmers
  • Liberty Mutual
  • Progressive
  • Nationwide
  • Travelers

Be aware that no two accident forgiveness programs are exactly the same, and you may not live in a state where accident forgiveness insurance programs are available.

For example, Progressive accident forgiveness is not available in every state and requires clients to be a part of the company’s Loyalty Rewards program in order to have accident forgiveness apply to large accident claims of $500 or more.

However, Progressive policyholders can take advantage of small accident forgiveness as soon as they sign up for the program.

Nationwide’s accident forgiveness program is also only available in select states. If you buy this add-on, your first at-fault accident is forgiven, but be cautious when filing claims as you can only use this benefit once per policy.

If you’re thinking of signing up with Liberty Mutual take note that you cannot have any accidents on your record for at least five years if you would like to add accident forgiveness to your policy.

Now that you’ve seen how some different companies curate their accident forgiveness policies, you should feel more confident while you shop for auto insurance quotes from companies that don’t penalize you for minor accidents.

Which auto insurance company offers the best accident forgiveness program?

If you need affordable auto insurance, shop for quotes from auto insurance companies that don’t penalize for small accidents and also offer accident forgiveness programs.

Follow these steps to find the auto insurance company with the best accident forgiveness program:

  • Compare at three to five free quotes
  • Examine the cost associated with each accident forgiveness program
  • Consider the benefits of each accident forgiveness program
  • Verify all information you are unsure of

These simple steps will lead you to affordable auto insurance companies that don’t penalize you for small accidents with a policy that fits your budget.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How do accident forgiveness programs work?

How much does insurance go up after a minor accident? If you find yourself an excellent accident forgiveness program, you may never need to find out.

If you’re looking for a new auto insurance company with no penalty for minor accidents, auto insurance companies that don’t penalize you for small accidents typically offer accident forgiveness programs.

Accident forgiveness programs protect your rates from going up after your first accident. These benefits often still apply even if you were to cause an accident, but claim limits can vary by company.

While accident forgiveness is usually sold as an extra perk, if drivers have a great driving record, some insurance companies may actually offer it to their clients for free.

Of course, if you cause countless accidents, you could risk losing this benefit.

How to Find Auto Insurance Companies That Don’t Penalize You for Small Accidents

Shopping online can allow you to find affordable companies like GEICO that offer insurance that averages out to $94 per month and that don’t penalize drivers for small accidents through the use of programs like accident forgiveness.

Accident forgiveness programs are great for all drivers, because no one, no matter how excellent they may be as a driver, can be 100 percent certain that they won’t get into an accident, and knowing that you can protect your rates can be a great weight off your shoulders.

If you want free quotes from auto insurance companies that don’t penalize for small accidents near you, enter your ZIP code today.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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