How can I get Allstate accident forgiveness?

We’ve all seen the Allstate Accident Forgiveness commercials claiming an accident won’t raise your rates. While this is true, you might not know that you have to enroll in specific plans to sign up for Accident Forgiveness.

Typically, Allstate car insurance rates increase after every accident you cause. However, the Allstate accident waiver enhancement feature, Accident Forgiveness, doesn’t raise rates after an accident.

In addition to Accident Forgiveness from Allstate, discounts and other programs like Deductible Rewards save you money. Keep reading to learn more about Allstate Accident Forgiveness and if it’s right for you.

How does Allstate Accident Forgiveness work?

Accident Forgiveness is just like it sounds. Drivers are not penalized with higher car insurance rates when they cause accidents. While many car insurance companies now offer this coverage, Allstate was the first to provide it.

It may seem that you can add Accident Forgiveness to your standard Allstate car insurance policy. However, that’s not the case.

Accident Forgiveness is only available through the Gold and Platinum programs with Allstate. Typically, drivers have to be accident-free for three years to qualify.

With Allstate Accident Forgiveness, Gold plan members can have one accident reported on their policy forgiven.

So, for example, if you have multiple drivers on your policy and two get in accidents, only the first one is ignored. As a result, rates will increase after the second accident.

The Allstate Accident Forgiveness reset will begin with your accident. After that, coverage won’t kick in again for three years.

However, the Platinum plan works a little differently. The Platinum plan forgives all accidents. Also, Accident Forgiveness begins the day you sign up for it. There is no waiting period or limit to the number of accidents that are forgiven.

That doesn’t mean you can cause as many accidents as you want. Allstate reserves the right not to renew coverage for drivers with too many accidents on their driving records.

In addition, Gold and Platinum plans are more expensive than standard Allstate rates. However, as with traditional coverages, rates vary by driver.

How do accidents affect Allstate car insurance rates?

While there are many factors that affect the price of car insurance, your driving record is one of the most significant. Your driving history shows car insurance companies if you are risky to insure.

This table shows average annual car insurance rates from top companies based on driving records. Drivers with accidents, tickets, and DUIs on their driving records see much higher rates.

Car Insurance Monthly Rates by Driving Record

Company	Clean Record	One Accident	One DUI	One Speeding Ticket
	$228	$321	$385	$268
	$166	$251	276	$194
	$198	$282	$275	$247
	$114	$189	$309	$151
	$248	$335	$447	$302
	$164	$230	$338	$196
	$195	$265	$200	$199
	$147	$146	$160	$137
	$141	$199	$294	$192
	$84	$111	$154	$96

One accident raises your Allstate car insurance rates an average of $100 a month. Although, Allstate Accident Forgiveness coverage means you won’t see that rate increase.

However, remember that Accident Forgiveness is only available on the Gold and Platinum plans, which come with higher rates.

What are other Allstate car insurance discounts?

When you’re looking for how to reduce the cost of car insurance, discounts offer the most significant savings. While Allstate Accident Forgiveness doesn’t raise your rates, discounts provide a way to significantly lower auto insurance rates.

This table shows car insurance discounts from top companies, including Allstate, for comparison. The savings amount is listed if it is available.

Clearcover Car Insurance Discount by Provider

Insurance Company	Anti-Theft Device Discount	Multi-Policy Bundling Discount	Defensive Driver Discount	Good Driver Discount	Good Student Discount	Military Discount	Multi-Vehicle Discount	New Car Discount	Paperless Discount	Pay-in-Full Discount	Safe Driver Discount
	10%	25%	10%	25%	20%	5%	25%	15%	10%	10%	22%
	25%	25%	5%	25%	20%	15%	20%	10%	20%	20%	15%
	10%	20%	20%	30%	15%	10%	20%	5%	10%	10%	30%
	25%	25%	15%	26%	15%	10%	25%	10%	10%	10%	25%
	35%	25%	10%	20%	15%	10%	25%	15%	12%	12%	25%
	5%	20%	10%	40%	15%	20%	20%	10%	15%	15%	10%
	25%	10%	31%	30%	10%	12%	12%	20%	15%	15%	30%
	15%	17%	15%	25%	25%	5%	20%	10%	15%	15%	30%
	10%	13%	20%	10%	8%	8%	8%	10%	10%	10%	25%
	15%	10%	5%	30%	10%	10%	10%	20%	15%	15%	15%

Discounts such as safe driver and defensive driver also reward drivers for driving as safely as possible. Finally, for the most savings, bundle all available car insurance discounts.

Additionally, take advantage of additional Allstate perks like the Deductible Rewards to get even more savings.

Gold and Platinum drivers also receive Deductible Rewards. For accident-free drivers, your deductible decreases by $100 a year up to a total of $500.

So, for example, if you have a $1,000 deductible, the first year, it would reduce to $900, and so on as long as you don’t file a collision claim. However, most states require at least a $100 deductible, so you can’t totally get rid of it. The program is also not available in California.

In addition, Allstate car insurance rates after an accident are some of the highest around. So shop around for cheaper coverage. Compare multiple companies to find the best coverage and lowest rates available for you.

Is Allstate Accident Forgiveness worth it?

While Accident Forgiveness is a good option for drivers who spend a lot of time on the road or are unsure of their safe driving skills, you have to sign up for either the Gold or Platinum plan to get coverage. Both plans come with higher rates.

Drivers with the Gold plan can have one accident per policy forgiven. However, drivers have to wait three years for coverage to begin again once an accident is reported.

Platinum drivers will have all at-fault accidents forgiven on their policy. There is no accident limit, but Allstate may not renew coverage if driving behaviors are too risky.

Allstate car insurance rates are very high, especially after an accident. Shop around to see which car insurance company offers you the lowest rates.