Will my insurance premium increase if I file an auto insurance claim with Progressive? (2024)
Whether your insurance premiums increase if you file an auto insurance claim with Progressive depends on many factors, such as claim amount and type of incident. You'll notice higher premiums if you file multiple claims with Progressive. However, you could get accident forgiveness for claims of less than $500.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Progressive auto insurance claims can cause rates to go up
- Accident forgiveness with Progressive helps avoid rate hikes after claims
- Go accident-free for five years for accident forgiveness with Progressive
Progressive is one of the best affordable auto insurance companies in the U.S., offering various types of vehicle insurance, along with other policies for properties, businesses, and more. If you’re a Progressive customer, though, you likely want to know what you can expect when you need to file an auto insurance claim. (Read More: Progressive Auto Insurance Review)
Accidents happen, leaving your car with dents, scratches, a cracked windshield, and more. These are costly damages, but you are bound to wonder whether filing a claim for damages will increase auto insurance premiums or insurance rates with Progressive.
In this article, we explain the factors that affect your insurance premium, how premiums can increase if you file an insurance claim with Progressive, and whether accident forgiveness can protect you from an insurance rate increase.
How an Auto Insurance Claim Affects Your Premium
According to the Insurance Information Institute, filing a claim beyond a certain amount for an accident that is your fault will usually lead to an increase in your insurance rates.
The amount or percentage increase will vary by company, and these increases can last for three years after the initial claim.Dani Best Licensed Insurance Producer
If you choose to not file a claim or report an incident to your insurance company due to fear of a rate increase, you run the risk of being discovered later. This can be problematic if the other party sues you, or the damage becomes an issue in a later incident.
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Factors That Can Increase Your Auto Insurance Premium
How insurers calculate your auto insurance rate varies from company to company.
Typically, there are a range of factors that can impact your premium. For instance, your vehicle’s make and model affect your insurance rates. Other factors that the best affordable auto insurance companies consider include your age and location, as well as your driving experience and claims history. Learn more about how age affects your auto insurance rates.
How Accident Forgiveness Affects Your Insurance Premium
Accident forgiveness is a type of auto insurance coverage that helps keep your insurance rates down, even after a claim or accident. Progressive offers free accident forgiveness for claim amounts of less than $500. However, accident forgiveness is only available in some states and for certain types of accidents. To earn better accident forgiveness, you’ll need to be with Progressive for at least five years.
Insurance Premiums After an Auto Claim With Progressive
Your insurance premium is affected by several factors, including your auto insurance claims history. Progressive may increase your insurance premium if your claim amount is higher than a certain threshold and you are at fault for the incident. Even with Progressive’s accident forgiveness program, you may see an increase in your insurance rate after a large claim amount or repeated incidents.
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Frequently Asked Questions
Can a DUI or DWI increase my insurance premium?
Yes, a DUI and DWI affect your auto insurance rate, since you will be categorized as a high-risk driver. A DUI will increase your insurance rates by an average of 58%. You’ll also likely face license suspension, fines, and even jail time.
What if I don’t disclose an accident to Progressive?
We strongly recommend disclosing all accidents and vehicle damages to your insurance company soon after the incident, even if they are minor. If Progressive discovers this at a later stage, the company may cancel your auto insurance policy or refuse to pay out a claim.
Will my insurance go up if I file a claim with Progressive?
Usually, you’ll pay higher insurance rates with Progressive if you file a claim, unless you have accident forgiveness.
Will Progressive increase my insurance rate if I am not at fault?
Any accident goes on your driving record, even if you are not at fault, and this can lead to an increase in your insurance rate, according to a report by the Consumer Federation of America. Progressive imposes a penalty in the form of a surcharge or rate increase for not-at-fault accidents. Note that in some states, penalties for no-fault drivers are not permitted.
How does Progressive handle accident claims?
Yes, Progressive has a good claims satisfaction score from J.D. Power as of 2022.
How much will my Progressive insurance go up after a claim?
Rate increases vary by accident type, location, and other factors. However, you could see rates go up by anywhere from 20% to 40%.
Will my Progressive insurance go up if I hit a deer?
According to Progressive, whether your rates go up after hitting a deer depends on your state.
Should I get an estimate before filing a claim?
Yes, generally, you should always estimate repair costs before filing a claim to see if paying for repairs out of pocket is cheaper.
How fast does Progressive settle claims?
Progressive says they settle many property damage claims within 7 to 14 days, but repair times vary greatly depending on your vehicle.
How much does Progressive insurance increase after an accident?
Without accident forgiveness, Progessive says their rates go up an average of 28% after an accident.
How many accidents can you have before Progressive drop you?
Generally, your insurer won’t drop your coverage after a first or second accident, instead increasing rates. If the customer has another accident, then the company may send them notice later on that they won’t renew their policy.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.