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: May 22, 2024
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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: May 22, 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.
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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.
Our Top 10 Picks: Best Auto Insurance Companies for Accident Forgiveness
| Company | Rank | Accident Forgiveness Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Drivewise Program | Allstate |
 | #2 | 12% | A+ | Roadside Assistance | Progressive |
 | #3 | 8% | A++ | High-Risk Drivers | State Farm |
 | #4 | 10% | A+ | Accident Forgiveness | Nationwide |
 | #5 | 9% | A | RightTrack Program | Liberty Mutual |
 | #6 | 11% | A++ | Various Discounts | Geico |
 | #7 | 10% | A | Safety Discounts | Farmers |
 | #8 | 12% | A++ | Safe Drivers | Travelers |
 | #9 | 9% | A | Rates w/Claims | American Family |
 | #10 | 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
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#1 – Allstate: Top Overall Pick
Pros
- Discount Opportunities: Allstate offers personalized discount options for individuals.
- Financial Security: Allstate benefits from the backing of a financially robust corporation.
- Outstanding Customer Support: Allstate is celebrated for its prompt and easily accessible customer service.
Cons
- Coverage Restrictions: Some additional policy features may not fully align with individuals’ needs. Refer to our Allstate auto insurance review for guidance.
- Claims Processing: Individuals may face delays or hurdles in the claims process.
#2 – Progressive: Best for Roadside Assistance
Pros
- Tailored Policies: As outlined in our analysis of Progressive auto insurance review, policies are crafted to suit individual vehicles.
- Competitive Pricing: Progressive boasts cost-effective rates.
- Discount Diversity: Progressive presents a range of discount options, including those tailored to specific vehicle types.
Cons
- Claims Management: Individuals might encounter delays or complexities when processing claims.
- Discount Constraints: Progressive’s array of discounts may not match up to those offered by some rivals.
#3 – State Farm: Best for High-Risk Drivers
Pros
- Discount Varieties: State Farm offers an array of discount opportunities.
- Financial Security: State Farm enjoys the backing of a financially stable entity.
- Outstanding Client Care: State Farm is esteemed for its prompt and user-friendly service.
Cons
- Coverage Limitations: Certain driving requirements might not qualify for policy enhancements. Explore further details in our State Farm auto insurance review.
- Claims Handling: Individuals might face delays or complexities in the claims processing.
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#4 – Nationwide: Best for Accident Forgiveness
Pros
- Extensive Coverage Variety: Nationwide presents a diverse array of coverage options, enabling customers to customize policies according to their requirements.
- Deductible Reduction Program: Nationwide’s Vanishing Deductible initiative incentivizes safe driving behavior by gradually decreasing deductibles.
- Affiliation Discounts: Nationwide offers discounts for various affiliations and memberships, improving affordability for specific groups.
Cons
- Mixed Customer Satisfaction: Customer satisfaction levels fluctuate, as outlined in our analysis of Nationwide insurance review, with some clients reporting mediocre experiences.
- Variable Premiums: Premium rates may fluctuate based on geographical location and individual profiles, potentially affecting overall affordability.
#5 – Liberty Mutual: Best for Right Track Program
Pros
- Personalized Plans: Liberty Mutual extends tailored coverage options specifically for automobile insurance.
- Cost-Effective Rates: Liberty Mutual presents competitive pricing structures.
- Outstanding Client Support: Liberty Mutual garners widespread acclaim for its timely and user-friendly service.
Cons
- Membership Limitations: Access to Liberty Mutual is restricted to military personnel, veterans, and their families.
- Geographical Constraints: The availability of Liberty Mutual’s services may fluctuate depending on location. For further insights, refer to our Liberty Mutual auto insurance review.
#6 – Geico: Best for Various Discounts
Pros
- Customized Plans: Geico delivers tailored coverage options specifically for automobiles.
- Competitive Rates: Geico presents budget-friendly pricing. Get started with our Geico auto insurance review for insights into affordability.
- Discount Programs: Geico extends various discount opportunities, including those tailored for vehicles.
Cons
- Limited Local Agent Availability: Geico’s services are primarily facilitated through local agents, which may not be universally accessible.
- Coverage Limitations: Certain policy enhancements may not fully meet the requirements of automobiles.
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#7 – Farmers: Best for Safety Discounts
Pros
- Customized Protection: Farmers, highlighted in our Farmers auto insurance review, customizes coverage to suit individual needs.
- Budget-Friendly Premiums: Farmers offers cost-effective car insurance options.
- Discount Options: Farmers extends a range of discounts, including those specifically for car insurance.
Cons
#8 – Travelers: Best for Safe Drivers
Pros
- Affordable Pricing: As detailed in our Travelers auto insurance review, Travelers offers competitive rates that are friendly to your budget.
- Tailored Coverage Choices: Travelers offers customizable policies to suit individual needs.
- Discount Opportunities: Travelers provides a variety of discounts, including those specifically designed for automobiles.
Cons
- Minimal Local Representation: Travelers primarily conducts its operations online and via telephone.
- Coverage Restrictions: Certain policy enhancements may not completely address the requirements of automobiles.
#9 – American Family: Best for Rates w/ Claims
Pros
- Innovative Protection Choices: American Family offers distinctive coverage selections, such as Accident Forgiveness and Deductible Rewards, adding significant value.
- Intuitive Technological Solutions: With user-friendly mobile apps and online tools, American Family simplifies policy and claims management for its customers.
- Solid Financial Security: American Family’s robust financial position ensures policyholders have a dependable and secure insurance provider.
Cons
- Possibly Elevated Premiums: Certain customers might perceive American Family’s premiums as slightly higher compared to those of other insurers.
- Varied Customer Service Feedback: While many customers share positive experiences, our examination of American Family insurance review reveals occasional challenges with claims processing.
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#10 – USAA: Best for Military Members
Pros
- Tailored Protection: USAA, as highlighted in our USAA auto insurance review, customizes coverage to meet individual needs.
- Budget-Friendly Premiums: USAA provides affordable car insurance options.
- Discount Opportunities: USAA extends various offers, including those tailored for car insurance.
Cons
- Restricted Accessibility: USAA primarily operates through local agents, which may not be readily available in certain regions.
- Coverage Constraints: Some specific additional coverage options may not fully meet requirements.
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.
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Drivers With Accidents Saving Money on Auto Insurance
Auto insurance needs differ, and so does the value of accident forgiveness. While it may not seem necessary if you have a clean record, factors like living in high-risk areas or having younger drivers on your policy might make it worthwhile.
Some states even mandate coverage that includes accident forgiveness, so it’s essential to know your state’s minimum car insurance requirements.
When choosing the best accident forgiveness auto insurance company, consider your location, driving conditions, rates, and eligibility criteria that suit your needs. Enter your ZIP code now.
Best Auto Insurance Companies for Accident Forgiveness: The Bottom Line
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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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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.
