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Purchased & Earned Accident Forgiveness

Accident Forgiveness With American Family Insurance

You may not forgive yourself, but we will.

Did you know that your insurance cost usually goes up after an accident? We get how frustrating it can be to see a hike in your premium after already dealing with a stressful situation — which is why we offer accident forgiveness to help proactively manage unexpected rate increases.

Here’s How You Can Get Accident Forgiveness

Purchased Accident Forgiveness

We want to give you the choice to put protection in place to guard you from your rates going up. You can purchase accident forgiveness if your household has no at-fault accidents or driving violations in the last 12 months, and has no more than one at-fault accident in the last 3 years.

Earned Accident Forgiveness

Earned accident forgiveness can be viewed as a reward for your safe driving. This is an earned coverage — meaning you don’t pay for it! Instead, you’ll receive this benefit after being claim-free for five years.

Take Control of What You Pay

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Simplify & Save by Bundling

Combine multiple policies and save on your premium.

Bundling insurance is one of the easiest ways for you to save on your insurance! In fact, when you bundle your home and auto policies you can save up to 29% on your auto coverage and 20% on your homeowners coverage.*

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Jump in the driver's seat and save.

Save money for being a safe driver? Sounds like a win-win. Learn how safe driving habits can get you up to 20% in savings.**

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Car Insurance Discounts

You might be eligible for more than you think!

From good grades to safe habits, discover all the ways you can save with our car insurance discounts. Explore all of our auto insurance discounts to see which ones you might be eligible for.

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Ready for a Car Insurance Quote?

We’ll build you a policy designed to keep you fearless. 

*Discount and savings amounts and eligibility will vary. Some restrictions apply. Discounts may vary by state, property policy form and company underwriting the homeowners policy. Discounts may not apply to all coverage on a property policy.

**Program discounts will vary based on driving behavior. The KnowYourDrive discount applies only to the following variable coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection. To refresh your understanding of these coverages, visit Additionally, the discount does not apply to fixed fees that are part of your policy.

Some coverages may not be available in your state. Available at renewal for existing policyholders. Please speak with your agent to learn more about your coverage options.

Purchased accident forgiveness will be available in OR April 1 and WA June 1.