Learn More About Accident Forgiveness

What is Accident Forgiveness?

Accident forgiveness is an auto insurance benefit that may prevent insurance rates from increasing as a result of a driver's first at-fault accident. It can be added to a policy or awarded to those with a good driving record. Accident forgiveness may allow drivers to save on their premiums and retain good driver discounts.

GEICO Accident Forgiveness* can be earned or purchased in states where it is available.

With Accident Forgiveness on your GEICO auto insurance policy, your insurance rate won't go up as a result of your first at-fault accident. We waive the surcharge associated with the first at-fault accident caused by an eligible driver on your policy. GEICO Accident Forgiveness is per policy, not per driver. If you have multiple drivers on your policy, any of the eligible drivers may use this benefit once.

How much does insurance go up after an accident?

Whether and how much your insurance may go up after an accident usually depends on the details and specifics of the accident, the severity, and any damages that occurred. You can learn more about how a claim may affect your policy.

How do I know if I have Accident Forgiveness on my GEICO policy?

  • Log in to your policy
  • Select your auto policy
  • An Accident Forgiveness notification may be shown as a reward

If you purchased Accident Forgiveness, you may have a few additional steps:

  • Select "My Policy Details"
  • Accident Forgiveness may be shown as an upgrade

How can I get Accident Forgiveness as a part of my car insurance policy?

Free Accident Forgiveness**

You earned it! It's our way of saying congratulations for reaching a milestone anniversary with GEICO and having maintained a clean driving record. This reward may be just around the corner. Don't worry; we'll be sure to let you know.

Upgraded Accident Forgiveness

This premium option is available in most states for you to purchase. Adding it to your policy may be cheaper than you think. Driving record and driving experience requirements must be met, but assuming you qualify; it's available upon initial purchase of your policy or at renewal time. Once used for an accident, the premium charge will be removed at the next renewal.

What are the benefits of Accident Forgiveness?

  • Greater peace of mind while driving
  • Worry less about your insurance rate increasing
  • Keep any good driver discounts
  • Score additional savings because your premium won't increase

This material is intended for general information only. It does not expand coverage beyond the policy contract. Please refer to your policy contract for any specific information or questions on applicability of coverage.

*Not available in CA, CT and MA; purchasable product not available in all states.

**Free Accident Forgiveness applies to qualifying drivers who have been accident-free for five years or more. It may not apply to drivers under 21 years of age.

Accident Forgiveness applies only to your first accident. Your insurance rate won't go up as a result of your first otherwise surchargeable, at-fault accident. Subsequent occurrences do not qualify for Accident Forgiveness. Accident Forgiveness eligibility is determined by your specific policy type, as well as your state laws and regulations. Terms vary according to state law.