Accident forgiveness is free for policyholders who earn it as a reward for years of safe driving and/or customer loyalty. For drivers who choose to purchase accident forgiveness as an optional policy add-on, it usually increases premiums by up to 10%, depending on the insurance company.
Accident forgiveness is a feature of some car insurance policies that keeps rates from increasing after a policyholder's first at-fault accident over a certain period of time, usually 3-5 years. For more information, check out WalletHub's complete guide to accident forgiveness.