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 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