Does Progressive have accident forgiveness?

Yes, Progressive has accident forgiveness. Progressive accident forgiveness can prevent a rate increase after an eligible incident, regardless of whether you’re at fault, and it may apply automatically or you can buy it.

Types of Progressive Accident Forgiveness

Small accident forgiveness: Progressive customers won’t see their rates go up for certain claims of $500 or less. This type of Progressive accident forgiveness applies to all Progressive customers in most states, starting as soon as your car insurance coverage does.

Large accident forgiveness: This accident forgiveness benefit works more like a loyalty program. If you’ve been a Progressive customer for at least five years and accident-free for five consecutive years, your rate won’t go up for having an accident of any scale.

Accident forgiveness you can purchase: In most states, Progressive allows customers to purchase accident forgiveness coverage when they buy or renew a policy.

How Progressive’s Accident Forgiveness Works

• Accident forgiveness applies to one accident per policy, not one accident per driver.
• If you do have an accident and use the benefit, you can earn the benefit again if you go without an accident for another five straight years.
• If you opt to purchase accident forgiveness, the benefit applies once per policy period. If you have an accident, any small or large accident forgiveness you’ve earned from being a loyal Progressive customer will apply first, and then you can apply the accident forgiveness benefit you purchased to a second eligible claim.

It’s important to remember that even though Progressive might forgive an accident, the accident still shows on your driving record. That means it will be visible to other insurance companies for three to five years, and it could still cause higher premiums with another insurer.

For more options, check out WalletHub's picks for the best accident forgiveness companies. You can also learn more from our accident forgiveness guide.