What does Progressive consider small accident forgiveness?


Editorial team Published on

Progressive provides Small Accident Forgiveness automatically and for free as a new customer in most states.

How Progressive Small Accident Forgiveness Works

  • Coverage Limit: Your insurance rate will not increase for your first claim if the total claim amount is $500 or less.
  • Eligibility: Available automatically when your policy begins in most states as part of Progressive's Loyalty Rewards program.
  • Limitations: It applies only to your first qualifying small claim. It does not cover subsequent small accidents unless you upgrade or purchase additional coverage.
  • Important Note: As users on Reddit note, even when accident forgiveness prevents a direct accident surcharge, your overall rate could still shift if an accident-free discount is removed.

Next Steps & Upgrades

  • Large Accident Forgiveness: Unlocked automatically if you stay with Progressive for at least 5 years and remain accident- and violation-free for 5 consecutive years.
  • Paid Add-on: You can also choose to purchase extra Progressive Accident Forgiveness coverage to forgive larger or additional accidents depending on your state.