Best Car Insurance Company for One At-Fault Car Accident (Deals & Tips)

The best car insurance companies for one at-fault car accident are GEICO, Nationwide, and State Farm. On average, you could pay 31.5% more when you have one accident on your driving record. Use car insurance discounts to bring down expensive rates. If you can't find cheap rates, shop around and compare the best auto insurance companies for one at-fault car accident.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 9, 2021

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The Highlights

  • At-fault accidents increase your car insurance by 31.5% on average
  • Liability coverage doesn’t pay for bodily injury or property damage of at-fault drivers
  • Accident forgiveness can prevent your car insurance rates from going up

Are you searching for the best auto insurance companies for one at-fault car accident? At-fault accident car insurance is over 30% more expensive. But did you know you can slow down costly auto insurance through discounts?

Our guide explores various money-saving methods for car insurance when you have an accident on your driving record and how accident-fault determination rules work for drivers.

When you’re done reading about the best car insurance companies for one at-fault car accident, use our free comparison tool above to compare the top insurance companies in your area.

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

At-fault accidents raise auto insurance rates. Therefore, you must shop around until you find the best car insurance quotes for one at-fault accident.

If you’re unsure which companies could help get cheaper rates, start with the best insurance companies in the United States.

Here is a list of the best companies and how car accidents affect monthly rates.

Full Coverage vs. Liability-Only Coverage: Average Monthly Car Insurance by Company & Driving Record
CompaniesFull Coverage Car Insurance Rates with a Clean Driving RecordFull Coverage Car Insurance Rates Based with One AccidentLiability-Only Car Insurance Rates with a Clean Driving RecordLiability-Only Car Insurance Rates with One Accident
Allstate$318$416$162$212
American Family$224$310$114$158
Farmers$288$377$147$192
GEICO$179$266$91$136
Liberty Mutual$398$517$203$264
Nationwide$229$283$117$144
Progressive$283$398$144$203
State Farm$235$283$120$144
Travelers$287$357$147$182
USAA$161$210$82$107
Average$260$342$133$174
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USAA is one of the cheapest auto insurance companies in the United States, but it’s only available to veterans and their immediate families.

But companies like GEICO, American Family, State Farm, and Nationwide are excellent choices for all other drivers.

Several factors determine car insurance. So, your auto insurance rates will vary.

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What are discounts for lower car insurance for at-fault car accidents?

The cheapest car insurance for bad drivers is a policy that has several discounts stacked against monthly car insurance rates with one at-fault accident.

Having a bad driving record doesn’t disqualify you from auto insurance deals.

Here are some bargains you can use to your advantage when you have a poor driving history.

  • Multi-Vehicle Discount – Varies
  • Anti-Theft Features Discount – Varies
  • Paperless Billing Discount – At least 2%
  • Automatic Payments Discount – At least 2%
  • Multi-Policy Discount – Up to 25%
  • Safety Features Discount – Up to 15%
  • Pay-In-Full Discount – Up to 5%

Usually, we’d list the safe driver discount, but a bad driving record removes your eligibility.

You can qualify for other deals and save lots more. The discounts in our lists are examples. Car insurance companies have dozens of others.

Shop around until you find a company with a lot of opportunities to save money.

Why do accidents affect car insurance quotes?

Accidents cause thousands of dollars in bodily injury and property damage. When you’re at fault in a car accident, it means you contributed to negligent driving.

Most of the time, it’s a mistake. Therefore, auto insurance companies provide accident forgiveness for customers who had one accident.

According to the Insurance Institute of Highway Safety (IIHS), there were 33,244 fatal crashes in 2019.

Accident forgiveness prevents your car insurance company from raising your monthly rates. However, multiple accidents can make you a high-risk driver.

A person with multiple accidents on their driving record within three to five years will have to pay more expensive rates.

Ultimately, car accidents impact your driving record and correlate to your risk of filing claims. The more accidents you have, the higher your auto insurance rates.

How do I get accident forgiveness at the best car insurance companies?

You can get accident forgiveness when you buy an auto insurance policy. But some car insurance companies allow you to purchase accident forgiveness at the start of your policy.

Most insurance companies provide accident forgiveness after you’ve had your policy for at least a year without any accidents or traffic violations.

What happens if both drivers are at fault in a car accident?

It’s unlikely to have two drivers at fault in a car accident. Here are a few examples of accident-fault determination rules.

  • A rear driver is at fault if they run into a motorist that’s in front of them
  • You’re at fault when if you hit someone while they have the right of way
  • You’re at fault when a right-of-way vehicle hits you

It’s more likely that a highway patrol officer will distribute fault to one of the drivers.

Regardless of fault, auto insurance companies usually cover bodily injury and property damage costs through liability auto insurance.

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Best Car Insurance Companies for One At-Fault Car Accident: The Bottom Line

At-fault accidents drive up auto insurance rates. But you can maintain affordable car insurance through discounts.

If you have a car insurance policy, you’ll need to stay accident-free to get cheaper rates. Drivers who want to buy car insurance with one at-fault accident on their record should shop around.

Now that you know more about the best car insurance companies for one at-fault car accident, use our free online quote tool to compare multiple companies near you.

Frequently Asked Questions: Best Car Insurance Companies for One At-Fault Car Accident

Do you want to know how accidents affect different situations? Read these answers to frequently asked questions to learn more.

#1 – How do I get car insurance with a bad driving record?

After you shop around for car insurance, submit your quote and purchase your policy online.

Before you do, enter your ZIP code in one of our free comparison tools to get one more look at auto insurance companies near you.

#2 – Do at-fault accidents affect non-owner car insurance?

The short answer is yes. At-fault accidents affect the vehicle’s owner and the driver.

#3 – Why do I need SR-22 after a car accident?

Accidents that cause significant bodily harm or property damage may require an SR-22 certification.

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