Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 20, 2021

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The Lowdown

  • State Farm has the lowest rates for one accident
  • Auto insurance companies offer various discounts for safe driving and more
  • Vehicle safety ratings can affect your car insurance rates

Auto insurance companies increase rates for drivers that get into an accident. One accident can increase your rates more than getting a speeding ticket. However, you can use discounts to lower your rates.

Understanding more about the best auto insurance companies for one at-fault car accident will help you determine the best choice for your policy.

Before learning about the best auto insurance companies for one at-fault car accident, enter your ZIP code above to compare free auto insurance quotes from providers in your area.

What are the rates from the best auto insurance companies for one at-fault car accident?

Comparing the best affordable auto insurance companies for one at-fault car accident will help you find the most cost-effective coverage. The following chart shows the annual full-coverage rates by company and driving record:

Average Annual Full-Coverage Rates from the Best Auto Insurance Companies for One At-Fault Car Accident by Company and Driving Record
CompanyAverage Annual Rates for Drives with a Clean RecordAverage Annual Rates for Drivers with One Speeding TicketAverage Annual Rates for Drivers with One Accident
Allstate$1,921$2,519$2,752
GEICO$1,405$1,734$1,971
Nationwide$1,485$1,734$1,745
Progressive$1,509$1,826$2,231
State Farm$1,457$1,590$1,675
USAA$1,225$1,463$1,742
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As you can see, one accident results in a higher increase than a speeding ticket. Additionally, State Farm is the best auto insurance company for one at-fault car accident with the lowest rates.

What factors impact auto insurance rates?

Auto insurance companies use various factors to determine insurance rates. Some of these factors, like age and gender, are beyond a driver’s control. However, your driving record, claims history, and miles driven are within your control and can help lower your car insurance rates.

Companies also determine rates by the amount of coverage you decide to carry. While states require a minimum amount of coverage, the rest is up to you. You can limit your policy to the minimum requirement, though this might create problems if you are at fault for an accident.

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What are the customer satisfaction ratings for the best auto insurance companies for one at-fault car accident?

Customers looking to buy auto insurance from the best car insurance companies for one at-fault car accident should consider customer service. Knowing which companies are the best at dealing with claims and accidents will make the process easier.

The following chart shows the customer satisfaction ratings for auto insurance companies. A.M. Best ratings determine the likelihood that you’ll receive a payout when you file an at-fault accident insurance claim, and the complaint level suggests customer satisfaction:

The Best Auto Insurance Companies for One At-Fault Car Accident by Company, Rates, A.M. Best Ratings, and Complaint Level
CompanyAuto Insurance RatesA.M Best RatingComplaint Level
AllstateHighA+ (Superior)Low
FarmersHighA (Excellent)High
GEICOAverageA++ (Superior)Low
NationwideAverageB+ (Good)Low
ProgressiveAverageA+ (Superior)Average
State FarmLowA++ (Superior)Low
TravelersAverageA++ (Superior)Low
USAALowA++ (Superior)Average
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As you can see, State Farm has the best combination of low rates, superior A.M. Best ratings, and a lower complaint level. Farmers has high rates and a high complaint level.

What discounts are available from the best auto insurance companies for one at-fault car accident?

Auto insurance companies provide several discounts that lower your rates. Some of these discounts are for safe drivers, but others are available for those with accidents on their record.

Some of the discounts available for drivers with at least one at-fault car accident include:

  • Multiple drivers discount: Adding multiple drivers to your insurance policy will usually lower the rates for each driver.
  • Multi-vehicle discount: Adding other vehicles to your policy, such as motorcycle insurance, will result in lower rates per vehicle.
  • Home and auto bundle discount: Insuring your home and vehicles with the same company will result in lower rates.
  • Good student discount: The good student discount is available to young drivers who earn good grades in school.
  • Telematics discount: Telematics is primarily used for usage-based insurance, and monitors driving, mileage, location, speed, harsh acceleration or braking, and fuel consumption.

Some auto insurance companies offer accident forgiveness, a benefit that ensures your rates don’t increase if you previously had a good driving record. If you don’t have accident forgiveness and are unhappy with your increased rates, this will help you find cheap car insurance after accidents.

The Insurance Information Institute says that safety ratings are also a common way of determining insurance rates. These ratings are available online, and some companies offer additional discounts for vehicles with high safety ratings.

Does full coverage cover at-fault accidents?

Full-coverage policies include liability, collision, and comprehensive, protecting you whether or not you’re at fault.

While most states require liability insurance, collision and comprehensive are optional. You can also add uninsured and underinsured coverage, which pays for expenses when the other driver doesn’t have insurance.

Twelve no-fault states require both drivers to file a claim, regardless of who is at fault. In these states, all drivers must carry personal injury protection coverage.

An accident has the most significant impact on your collision coverage. One at-fault collision claim raises insurance rates by an average of $64 per month. Those rates will continue to increase if you have multiple at-fault accidents.

Optional coverages will increase your rates but can be helpful if you get into an accident. Comparing auto insurance quotes from the best auto insurance companies for one at-fault car accident will help you find the cheapest option.

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How to Find the Best Auto Insurance Companies for One At-Fault Car Accident

Drivers with an accident on their record will experience higher rates than safe drivers. However, you can obtain discounts tobes lower your rates.

Comparing auto insurance rates from the best auto insurance companies for one at-fault car accident will help you find the best choice.

Now that you know about the best car insurance companies for one at-fault car accident, enter your ZIP code to get free car insurance quotes from companies in your area.