Do Progressive Insurance Rates Go Up after a Not-at-Fault Accident?

According to the Consumer Federation of America (CFA), Progressive punishes customers for not-at-fault accidents more than any of the other four largest U.S. auto insurers.
Written by Cameron Thiessen
Reviewed by Amy Bobinger
background
Progressive customers are most likely to be punished with increased insurance rates after a not-at-fault auto accident. However, not-at-fault penalties are prohibited by law in
California
and
Oklahoma
, so if you live in either of those two states, your
car insurance
rates will not go up.
Not-at-fault accidents often go on your driving record, right alongside speeding tickets and other traffic violations. If this sounds unfair to you, trust your instincts! We’re going to talk about whether or not your
Progressive
car insurance premium rates can go up after a not-at-fault accident, average rate increases to expect, and how
accident forgiveness
may apply.

Do Progressive insurance rates go up after a not-at-fault accident?

As ridiculous as it sounds, Progressive insurance costs often go up after a not-at-fault accident.
According to a
study by the Consumer Federation of America (CFA)
, Progressive,
GEICO
,
Farmers
, and
Allstate
are all known to raise car insurance policy premium rates after not-at-fault accidents. That means, hypothetically, that if you get rear-ended, are found to not be at fault for the accident, and make an insurance claim for damages, your insurates rates could still go up.
The CFA’s study found that Progressive’s average penalty for not-at-fault accidents was a 16.6% annual premium increase, the highest average penalty of any major U.S. auto insurer. However, if you’re a State Farm customer, you can rest easy knowing that they do not apply not-at-fault penalties to their policyholders’ insurance coverage rates.
If you live in a
no-fault state
, then you always file claims to your own insurer, regardless of who was at fault. It’s common for insurance rates to go up after any accident in a no-fault state. The CFA study noted that not-at-fault penalties went up most for people in
Queens
,
New York
more than any other city.
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How much do Progressive insurance rates go up after a car accident?

How much your Progressive insurance rate goes up after a car accident will still significantly depend on whether or not you were at fault.
According to
Forbes Advisor
, a good driver who gets into an at-fault property damage accident could see their Progressive rates increase by 59%. The 2017 CFA study found that Progressive raised drivers’ premiums by an average of 16% after not-at-fault accidents.
The study also found that insurers that apply not-at-fault penalties increase rates for lower-income drivers by a higher percentage than for higher-income drivers. A moderate-income driver’s penalty would be a premium increase of an average of 9.6% across all four insurers that were included in the study, while it was only a 6.6% average increase for high-income drivers.
For Progressive customers with moderate income, this means your not-at-fault accident penalty could be as much as a 20% increase, even if you have a good driving record. If your car insurance rate goes up after a not-at-fault accident, you should consider shopping around for
car insurance quotes online
from other providers to find a better rate.
MORE: How does your credit score affect car insurance?

Does Progressive have accident forgiveness?

Yes, Progressive does offer accident forgiveness, but you’ll most likely need to pay for it.
Small Accident Forgiveness is included with any Progressive auto insurance policy, which applies to claims that total less than or equal to $500.
If you’ve been a Progressive policyholder for at least five years and have been accident and moving violation-free for up to five consecutive years, you also have access to Large Accident Forgiveness through their Loyalty Rewards program. Large Accident Forgiveness covers claims that exceed $500.
Progressive also offers additional Accident Forgiveness benefits for purchase, which grants one forgiven accident per policy period, in addition to any Progressive Accident Forgiveness benefit that you are already eligible for. That means the first accident and sometimes your second will be covered.
Accident forgiveness coverage will prevent your rates from going up after a car accident.

How to file an auto insurance claim with Progressive

You can file an auto insurance claim with Progressive in their mobile app, online, or by phone at 1-800-776-4737.
You’ll need to discuss details about the accident, such as the location, date and time, how damages/injury occurred, how severe they are, and how much you have paid in expenses.
Expect a series of phone calls in which you will provide information and receive updates from your agent or claims adjuster. A vehicle inspection will likely be part of the process, in order to assess the cost of necessary repairs.
Be absolutely sure that any information you provide is true. If you don’t know the answer to a question that an insurance agent is asking you, simply say that you don’t know.
Also remember that in most states, if you’re not at fault in an accident, you’ll file for damages through the at-fault driver’s insurance provider. Don’t admit to causing an accident when dealing with insurance providers, or they might try to deny your claim, even after fault has already been determined.
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FAQ

Progressive’s insurance claim process is fairly simple if you’re in a no-fault state, but if you need to file a third-party claim through Progressive, it may be more complicated. Third-party liability coverage claims often involve negotiations with adjusters, which is why having a personal injury lawyer can help significantly with more significant claims.
For the most part, the process starts with reporting the accident claim. Then, you’re assigned a claims rep who works through the claims process with you. During this process, information will continue to be gathered regarding how much is owed by the at-fault party for your medical bills and repairs. This will usually include vehicle inspection.
Yes, you should report any accident to your car insurance company within seven days. This is especially true for no-fault states, where you’ll always make your injury claims to your own insurance at the beginning of the process.
In the case of a hit and run, you’ll probably have to file a police report in order to proceed with an insurance claim process. A hit and run situation might also be a good time to use uninsured motorist insurance, which is actually required in certain states’ minimum coverage requirements.
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