Does State Farm have accident forgiveness? This question is about State Farm

Does State Farm have accident forgiveness?

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This question is about State Farm

Candace Baker, Car Insurance Writer

@candacebaker • 05/05/23 This answer was first published on 04/13/23 and it was last updated on 05/05/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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State Farm has accident forgiveness for drivers who have been State Farm customers for nine years with no accidents on record. State Farm accident forgiveness allows qualifying drivers to avoid surcharges and keep their accident-free discount after one at-fault accident per policy.

Requiring customers to be accident-free for nine years makes State Farm unique among major insurers. Most competitors only require three to five years without accidents to qualify for accident forgiveness.

Without accident forgiveness, an at-fault crash leads to an average premium increase of 56% for State Farm customers. However, it’s important to note that State Farm accident forgiveness is state-specific and is not available everywhere. Contact a State Farm agent in your area for more information on your eligibility.

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How can I lower my car insurance after an accident?

The best ways to lower your car insurance after an accident are to reduce the amount of coverage that you pay for and compare quotes from multiple insurers. 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 48%, and the increased cost lasts 3-5 years.

How to Lower Car Insurance After an Accident

1. Shop around for...

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If a car accident is not your fault, does your insurance go up?

If a car accident is not your fault, your insurance rate could still go up, depending on your state and insurance company. On average, a not-at-fault accident makes insurance costs go up by about 12%, compared to 45% for an at-fault accident.

Insurance rates can go up after a not-at-fault accident because statistics show that having any accident on your driving record makes you more likely to file a claim in the future. And...

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How long does a car accident stay on your record?

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.

Just remember that even if the record of the accident goes away after three years, it could take as long as five years before a driver is able to once...

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