Allstate Accident Forgiveness: What Your Choice Auto Actually Buys
Short answer
Allstate publishes Accident Forgiveness as an optional feature of Your Choice Auto. When the feature is on your policy, your rate does not go up after an at-fault accident—including an accident where you were at fault. Allstate publishes that the feature is not available in every state, and that it can be added at purchase or sometimes at renewal through My Account1.
What determines whether it actually helps you
- Your state. Allstate publishes that Accident Forgiveness is not available in every state. Confirm at quote time1.
- Whether it was in force before the accident. An accident predating the feature is not retroactively forgiven.
- Whether you picked Your Choice Auto. Accident Forgiveness is featured with that package1.
- How many at-fault accidents you have. One is forgiven; a second produces a standard surcharge2.
- Whether you shop around. The benefit stays with Allstate; the next carrier re-prices your DMV record.
The four ways Accident Forgiveness interacts with your Allstate policy
| Situation | What the rule is | What to watch |
|---|---|---|
| Add Accident Forgiveness at purchase | Allstate publishes that Accident Forgiveness can be added when you first buy the policy. Once in force, your rate does not go up after an at-fault accident. | The feature is optional and subject to terms and conditions, and Allstate publishes that it is not available in every state.1 |
| Add Accident Forgiveness at renewal (existing customer) | Allstate publishes that existing customers may be able to add Accident Forgiveness through My Account. Availability still depends on state and policy. | An accident already on the record before Accident Forgiveness is in force does not get retroactively forgiven.1 |
| Covered under Your Choice Auto | Allstate publishes that Accident Forgiveness is featured with Your Choice Auto. Shoppers who pick that package get the feature included in states where it is sold. | Your Choice Auto package availability varies by state and underwriting entity. Not every Allstate agent offers it in every ZIP.3 |
| What rate impact Accident Forgiveness prevents | Allstate publishes a separate consumer page describing how rates can increase after an at-fault accident, depending on severity, fault, and state. Accident Forgiveness is the mechanic that blocks that surcharge for one accident. | A second at-fault accident after a forgiven first still produces a surcharge under standard rules.2 |
Your Choice Auto and the package context
Allstate publishes Accident Forgiveness as a feature of Your Choice Auto1. Your Choice Auto is a bundle of optional add-ons; different states and underwriting entities offer different combinations. Deductible Rewards and New-Car Replacement are other named features that sometimes appear alongside Accident Forgiveness in the same package. See our Allstate discounts breakdown for the full add-on menu.
What rate impact Accident Forgiveness blocks
Allstate publishes a separate consumer page explaining that a rate increase after an at-fault accident depends on the severity of the accident, whether you were at fault, and where you live2. Accident Forgiveness is the mechanic that blocks that increase for one accident. Our accident impact calculator estimates the typical surcharge you’d avoid by having the feature in force.
What Accident Forgiveness does not cover
- A second at-fault accident after a forgiven first still produces a surcharge under Allstate’s standard rules.
- Pre-existing accidents. An accident on the record before the feature was added is not retroactively forgiven.
- DUI, reckless driving, or point convictions. These move you to a different rating tier and are not covered by Accident Forgiveness.
- Comprehensive-only claims (theft, hail, animal strike) are usually not surchargeable in the first place.
- Switch to another carrier. The next carrier re-prices your DMV record from scratch.
What to do with Allstate Accident Forgiveness today
Confirm availability in your ZIP
Accident Forgiveness is not sold in every state. Confirm with the Allstate agent or at allstate.com before relying on it.
Add it at purchase if possible
Allstate publishes that it can be added when you first buy the policy. Adding at purchase is the clean path.
If you’re already a customer, add it at renewal
Existing customers may be able to add through My Account. Pre-existing accidents do not retroactively qualify.
Compare the add-on cost against the typical surcharge
Our accident impact calculator estimates the typical surcharge; compare that to the Accident Forgiveness add-on price in your state.
Price the Your Choice Auto package
Accident Forgiveness is bundled with Your Choice Auto. If other Your Choice Auto features (Deductible Rewards, New-Car Replacement) also matter to you, the package quote may be the better buy.
Comparing first-accident protection across carriers? Pull quotes side by side.
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Common follow-up questions
How does Allstate Accident Forgiveness work?
Allstate publishes that when the optional Accident Forgiveness feature is on your policy, your rate does not go up after an at-fault accident. It is featured with Your Choice Auto and can be added at purchase or sometimes at renewal through My Account.
Is Allstate Accident Forgiveness free?
No. Allstate publishes Accident Forgiveness as an optional feature on Your Choice Auto, which means it is an add-on priced into the policy. The exact cost is set at quote time based on state and policy.
In which states is Allstate Accident Forgiveness unavailable?
Allstate publishes that Accident Forgiveness is not available in every state but does not list the specific excluded states on its public page. Confirm availability at quote time with the Allstate agent or on allstate.com in your ZIP.
Can I add Allstate Accident Forgiveness after an accident?
No. Accident Forgiveness must be in force on the date of loss to apply. An accident already on the record before the feature was added does not retroactively qualify.
Does Allstate Accident Forgiveness carry over if I switch carriers?
No. The benefit is specific to the Allstate policy. The next carrier re-prices your record from scratch, including any accidents on the state DMV record. Allstate forgiving a loss internally does not erase the DMV record.
Sources
- Allstate: Accident Forgiveness on Your Car Insurance (optional feature of Your Choice Auto; rates do not go up after an at-fault accident; not available in every state) (Allstate)
- Allstate: How Much Does Insurance Increase After an Accident (surcharge mechanics; rate impact depending on severity, fault, and state) (Allstate)
- Allstate: Car Insurance Discounts and Extras (Your Choice Auto features listed) (Allstate)
Carrier terms and state availability may change. Confirm current eligibility and pricing with Allstate at quote time. Last reviewed .