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: Nov 1, 2021

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The Lowdown

  • The best auto insurance companies for paying claims will be different for each driver
  • J.D. Power ranks auto insurance companies on a number of characteristics, including their claims process
  • Drivers can save money after filing a claim by taking advantage of discounts, enrolling in a defensive driving course, and asking for accident forgiveness

Getting into an accident is very stressful, but the best auto insurance companies make filing a claim easy.

The best auto insurance companies for paying claims will vary by driver since every company has varying levels of customer service and satisfaction.

If you’ve been in an accident, shop around for the cheapest auto insurance rates. Each insurance company will view your accident differently, so look at multiple companies to find your best deal.

Enter your ZIP code now to compare free quotes to find the most affordable auto insurance companies for paying claims in your area.

What are the best auto insurance companies for paying claims after an accident?

One of the most significant factors in determining your auto insurance rates is your driving record. Drivers with accidents will pay much higher rates than drivers with a clean driving record.

Determining which car insurance company is best at paying claims can be tricky. You have to take into consideration rates and consumer ratings to see which company is best for you.

Many of the top auto insurance companies have the claims process down to a science. They make filing a claim and getting your vehicle repaired an easy process.

However, no matter how well the claims process works, your rates will still go up after an accident unless your insurance company offers accident forgiveness.

This table shows the average rates from the best auto insurance companies for paying claims after one accident:

Average Annual Auto Insurance Rates for Drivers with One Accident
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 Accident
Allstate$3,819.90$4,987.68
American Family$2,693.61$3,722.75
Farmers$3,460.60$4,518.73
GEICO$2,145.96$3,192.77
Liberty Mutual$4,774.30$6,204.78
Nationwide$2,746.18$3,396.95
Progressive$3,393.09$4,777.04
State Farm$2,821.18$3,396.01
Travelers$3,447.69$4,289.74
USAA$1,933.68$2,516.24
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USAA, GEICO, and State Farm offer the cheapest car insurance rates after an accident, but you can still expect your rates to increase by $80 a month.

However, the best affordable auto insurance provider for people with accidents might not be the easiest to work with when filing a claim.

What other factors determine the best auto insurance companies for paying a claim?

Another important part of finding the best insurance for claims is looking at how companies rate in customer satisfaction.

J.D. Power ranks auto insurance companies on a number of factors, including the claims process. The list is split into 11 regions.

The top-ranking auto insurance companies based on customer satisfaction include:

  • State Farm
  • American Family
  • Erie Insurance
  • Amica Mutual
  • Farm Bureau
  • Texas Farm Bureau
  • Wawanesa
  • Shelter
  • NJM Insurance Co

Drivers need to balance rates and ratings to find the best auto insurance company that meets their needs.

Most car insurance companies have multiple ways for drivers to file and check on claims to make the process easier. Depending on the company, drivers can file a claim through customer service, online through the website, or even through an app on their phone.

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How can drivers save money on auto insurance after an accident?

There are several ways to save money on auto insurance after an accident.

Drivers that take a defensive driving course can usually get a discount on their auto insurance rates and remove points from their driver’s license in some states.

One of the best ways to save money on auto insurance is with discounts. While some discounts are based on your driving record, many more are based on you as a customer and the kind of car you drive.

This table shows common discounts from the top auto insurance companies. If the amount of the discount is known, it is listed.

Auto Insurance Discounts from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Anti-Theftxxx252025x15xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Garaging/StoringN/AN/AxN/AN/AN/AN/AN/Ax90
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/Axxx5x35N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
LoyaltyN/AxN/AxN/A5xN/AN/Ax
MarriedN/AN/AN/AN/AxxxxN/Ax
Membership/GroupN/AN/AN/Ax107N/AN/AxN/A
MilitaryxN/Ax154N/AN/AxN/Ax
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
OccupationxN/Axx1015N/AN/AxN/A
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
VolunteerN/AxN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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Take advantage of every discount you are eligible for and bundle them for the most savings.

If you have an accident on your driving record, do everything you can to keep your record as clean as possible. A better driving record equals much lower car insurance rates.

What You Need to Know About the Best Auto Insurance Companies for Paying Claims

Consumer ratings are just as important as premium rates when determining the best auto insurance companies for paying claims. You want an insurance company that handles the claims process well and doesn’t raise your rates.

Which insurance company is best for paying claims will depend on your personal information as well as how the company does in customer satisfaction.

Shop around to find the cheapest car insurance after an accident. Each company will weigh your accident differently and charge various rates.

Enter your ZIP code below to compare auto insurance quotes from the best car insurance companies for paying claims in your area for free.