What Is State Farm Accident Forgiveness? June 2023

By | April 14, 2022

State Farm accident forgiveness is offered to customers who have been with the company for 9 years and have a clean driving record. This feature protects you from rises in your insurance rates after your first at-fault accident by waiving it from your driving record. You are able to maintain any discounts on your current policy and remain eligible for future rewards. Only one claim may be made per policy.

What Is Accident Forgiveness Insurance?

If you are in an accident and considered at fault, there is a good chance your auto insurance premiums will rise. Since your driving record is a big factor in determining your premiums, causing an accident usually means a rate increase when you renew the policy or shop for a new one.

State Farm Accident Forgiveness

Accident forgiveness coverage helps policyholders keep their rates down. Some insurance companies add this coverage automatically, while others offer it as an add-on coverage option (that you pay for) or a combination of both.

How much does State Farm’s accident forgiveness cost?

State Farm‘s accident forgiveness rate varies based on many factors, including your:

  • Location
  • Car model
  • Age
  • Driving history

Talk to your State Farm agent to see how much this feature costs to add to your policy.

How to qualify for State Farm’s accident forgiveness

To qualify, you must be a State Farm customer and meet these requirements:

  • 9 years of loyalty: You need to maintain your auto insurance policy with State Farm for 9 years or more.
  • 9 years of no claims: Maintain a clean driving record with the company for a total of 9 years. You can’t apply if you’ve got multiple traffic violations or speeding tickets.
  • One per policy: If you’ve already claimed accident forgiveness from your policy, you can’t qualify again.

Accident Forgiveness Insurance Rules

Even if your car insurance company offers accident forgiveness coverage, not everyone qualifies and some accidents won’t be eligible for forgiveness. Here are a few examples of common requirements and exclusions you should be aware of:

Clean driving record. Typically, insurers require you to have a clean driving record to qualify for accident forgiveness. For example, to qualify for the Farmers Flex from Farmers Insurance, all drivers on the policy over age 25 must have no chargeable at-fault accidents, no more than one minor or speeding citation and no DUIs. Drivers under age 25 must have no traffic violations or citations of any kind.

One accident per policy. Accident forgiveness is not an unlimited pass. Usually it allows forgiveness for only one at-fault accident per policy, even if you have multiple drivers on the policy.

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