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

  • One accident can raise your rates by $80 a month
  • USAA and GEICO offer the cheapest auto insurance after an accident
  • Drivers with multiple accidents can be labeled high-risk

Your driving record has a huge impact on your auto insurance rates. Drivers with multiple accidents on their records will pay very high rates since they pose a greater risk to insure.

The best auto insurance companies for people with accidents will be different for each driver since companies will offer different rates.

Shop around and compare quotes from multiple auto insurance companies to find cheap car insurance after an accident.

Keep reading to learn more about the best auto insurance companies for people with accidents. Enter your ZIP code now to compare free quotes after an accident from companies near you.

What are the best auto insurance companies for people with accidents?

Auto insurance companies depend on your driving record to give them an idea of how much risk you will be to insure. In fact, you can’t find auto insurance that doesn’t check driving records.

Car accidents can cost insurance companies a lot of money, not to mention the injuries and deaths that result from accidents.

According to the National Highway Traffic Safety Administration, over 36,000 people died from car accidents in 2019.

Rates from the best auto insurance companies for people with accidents will vary since each driver’s information will be different. However, you can expect them to be higher than normal.

This table shows you the average annual rates from the top insurance companies for drivers with an 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 and GEICO offer the cheapest rates on average for drivers with a clean driving record and with one accident. However, USAA only offers coverage to veterans, members of the military, and their families.

Car insurance for a bad driving record will be much more expensive than for drivers with a clean record. Some insurers offer second chance car insurance with accident forgiveness.

If you have enough accidents on your driving record, you can be considered high-risk. High-risk car insurance will cause your rates to skyrocket.

How long will your auto insurance go up after an accident?

Your accident will stay on your driving record for three to five years, depending on the state that you live in and how serious the accident was.

Auto insurance companies should only charge you higher rates while the accident is listed on your record.

It’s a good idea to request a copy of your driving record from your DMV every few years to make sure you know exactly what’s on it.

If an accident has come off your record but your insurance rates haven’t gone down, you can ask your insurer why. That would also be a great time to shop around for lower rates.

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How can drivers save money after an accident?

It’s no secret that an accident will increase your auto insurance rates. However, there are ways to keep your costs low.

Drivers should take a defensive driving class. Most auto insurance companies will offer you a discount for taking the class, and most states will remove points from your driver’s license once the class is complete.

Along those lines, ask for any discounts you may be eligible for. Some discounts revolve around your policy and safety features on your car, so you should be able to take advantage of those types of discounts.

This table shows common auto insurance discounts from top companies. The discount amount is listed if it is known.

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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Most companies will allow you to bundle auto insurance discounts to save the most money.

The Best Auto Insurance Companies for People With Accidents: The Bottom Line

The best auto insurance company for you after an accident will depend on many factors, such as your driving record as a whole.

You can lower your car insurance rates by taking a defensive driving class and asking for discounts.

Shop around and compare quotes from the best auto insurance companies for people with accidents to get the coverage you want with the lowest rates.

Now that you know how to find the best auto insurance companies for people with accidents, enter your ZIP code to compare quotes from companies near you for free.