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You can qualify for accident forgiveness with most insurance companies by going 3-5 years without an accident or moving violation, though exact requirements vary. Some insurers allow you to earn accident forgiveness for free, while others let you purchase it as an optional policy add-on. If you’ve earned accident forgiveness because of your safe driving history, it’s usually applied to your policy automatically.
Accident Forgiveness Eligibility by Company
| Company | Free Accident Forgiveness | Purchased Accident Forgiveness |
| State Farm customers for at least 9 years without any accidents | None | |
| Drivers who are at least 21 years old with no accidents for at least 5 years | Eligibility varies by state | |
| Progressive customers for at least 5 years and accident-free for at least 3 years In most states, Progressive customers are automatically given accident forgiveness for claims of $500 or less | None | |
| None | Customers must qualify as a good driver, but exact requirements vary by state | |
| USAA customers for at least 5 years with no accidents | Eligibility varies by state | |
| Drivers with no accidents or violations in the last 5 years, regardless of the insurer | None | |
| Farmers customers for at least 3 years without any moving violations or at-fault accidents | None | |
| None | Drivers who have been insured by Nationwide for at least 6 continuous months | |
| Drivers who have been claim-free for 5 years | Eligible if all named drivers have no at-fault accidents or driving violations in the past 1 year, and no more than 1 at-fault accident in the last 3 years | |
| None | Drivers must have had no accidents or major violations in 5 years |
Since eligibility for accident forgiveness varies by insurer, it’s a good idea to check with your insurance company to see if you qualify. But in general, the following rules often apply.
Drivers Eligible for Accident Forgiveness:
- Drivers who’ve been accident-free for at least 3-5 years.
- Drivers who’ve been with the same company and accident-free for at least 3-5 years.
- Drivers who pay for accident forgiveness.
Accident forgiveness is not available in all states. For more information, check out WalletHub’s complete guide to accident forgiveness.
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