Best Affordable Auto Insurance Provider for Paying Claims in 2021
Many factors are used to determine the best auto insurance companies for paying claims. However, your rates will still increase by around $80 a month after an accident. How quickly the auto insurance company pays and how easy it is to file and complete a claim are very important when picking the best car insurance companies for paying claims.
Free Insurance Providers Comparison
Secured with SHA-256 Encryption
UPDATED: Nov 1, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- 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:
|Company||Average Annual Rates with Clean Record||Average Annual Rates with 1 Accident|
Get Your Rates Quote Now
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
- 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.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
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||Allstate (%)||American Family (%)||Farmers (%)||GEICO (%)||Liberty Mutual (%)||Nationwide (%)||Progressive (%)||State Farm (%)||Travelers (%)||USAA (%)|
|Adaptive Cruise Control||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Daytime Running Lights||x||x||x||1||5||5||x||N/A||x||x|
|Electronic Stability Control||x||x||x||N/A||5||x||x||N/A||N/A||N/A|
|Forward Collision Warning||N/A||N/A||N/A||N/A||5||x||x||N/A||N/A||N/A|
|Lane Departure Warning||N/A||N/A||N/A||N/A||x||x||x||N/A||N/A||N/A|
|New Customer/New Plan||N/A||N/A||N/A||N/A||x||N/A||N/A||N/A||N/A||N/A|
|Seat Belt Use||N/A||N/A||N/A||15||N/A||N/A||N/A||N/A||N/A||N/A|
|Students & Alumni||N/A||x||N/A||x||10||7||N/A||N/A||N/A||N/A|
Get Your Rates Quote Now
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.