Candace Baker, Car Insurance Writer
@candacebaker
Yes, Liberty Mutual has accident forgiveness for car insurance customers. Liberty Mutual accident forgiveness applies to one accident every five years, and it can be earned for free if you haven't had any accidents, claims, or violations in the last five years.
Keep in mind that Liberty Mutual accident forgiveness is per policy, not per driver. As a result, if one driver on a shared policy caused an accident in the past five years, the other named drivers cannot have an accident forgiven.
On average, Liberty Mutual premiums go up by 69% after an at-fault accident. This just goes to show how much of a money-saver accident forgiveness can be. But even if you don't qualify for Liberty Mutual accident forgiveness, there are still other ways to lower your rate after an accident.
For more options, check out WalletHub's picks for the best accident forgiveness companies. You can also learn more from our accident forgiveness guide.
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One way you can lower your car insurance after an accident is by reducing the amount of coverage that you pay for. Another way to lower your premium is by comparing quotes from multiple insurers and finding a cheaper one. You can also take a defensive driving course and search for additional discounts from your current insurance provider. On average, an at-fault accident raises premiums by about 50%, and the increased cost lasts 3-5 years.
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A car accident stays on your record for insurance for three to five years, depending on the state and insurance company. After that period, an accident no longer appears on a driver’s record for insurance purposes and will not affect car insurance premiums directly.
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