When Accident Forgiveness Might Be Worth the Cost

The average driver should determine if accident forgiveness is worth obtaining by determining if they already have accident-free discounts and how much being in an accident would change their rates. A single accident can raise rates by hundreds of dollars. Accident forgiveness adds anywhere from 2–9% higher costs to a person's premium. That would mean for accident forgiveness to not be worth it, at most an accident would need to happen once every 10 years. The average person has an accident every 18 years. A person can also determine if accident forgiveness is worth it by checking the rise in premiums and the rate of accidents in their immediate region.