Am I eligible for accident forgiveness insurance?

You should be eligible for accident forgiveness insurance if you have a clean driving record and have been with the same insurance company for a certain number of years (usually at least five). Some insurers, including Allstate, also allow drivers to purchase accident forgiveness without any eligibility requirements.

You see, accident forgiveness programs are divided into two groups: loyalty-based accident forgiveness for good drivers and accident forgiveness for purchase. Loyalty-based programs usually have strict requirements, while add-ons for purchase do not.

Loyalty-Based Accident Forgiveness Eligibility Requirements by Insurance Company

• State Farm – customer for nine years, with no accidents during this period.
• Progressive – customer for five years, no violations or accidents during the past three years.
• USAA – customer for five years without any at-fault accidents.
• Liberty Mutual – no accidents or violations for five years, regardless of carrier.
• Farmers – customer for three years without accidents.
• American Family – five years without at-fault accidents or major violations.

If you do not qualify for loyalty-based accident forgiveness, several major insurers allow drivers to purchase accident forgiveness as a policy add-on.

Allstate accident forgiveness is available through the company’s more expensive Gold and Platinum auto insurance packages. Drivers do not have to meet specific qualifications for these Allstate packages.

For Geico accident forgiveness, drivers must meet “driving record and driving experience requirements,” but the details are undisclosed.

Similarly, Nationwide and Travelers do not specify any eligibility requirements for their accident forgiveness, which customers must purchase.