Accident forgiveness is not available in California because a 1988 law, Proposition 103, made it illegal for insurers to charge “excessive rates.” The law indirectly bars insurers from offering accident forgiveness in California because drivers would be charged higher rates to offset the cost of forgiven accidents.
Since accident forgiveness is unavailable in California, you should expect your rate to go up by an average of 69% after an accident. The good news is that your premium will usually go back down after 3-5 years, which is when insurance companies no longer consider accidents.
To learn more, check out WalletHub's guide to accident forgiveness.