Best Car Insurance Company for People With Accidents (Deals & Tips)

The best car insurance companies for people with accidents are GEICO and State Farm. On average, accidents increase your auto insurance rates by 24%. You can lower your monthly auto insurance rates by 51% if you get liability-only coverage, but full coverage is recommended. If you need more insurance, shop around and compare rates from the best car insurance companies for people with accidents.

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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: Aug 31, 2021

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The Highlights

  • Accidents increase car insurance rates by 24%
  • GEICO and State Farm are the cheapest car insurance companies for people with accidents
  • If you have too many accidents, you’ll need high-risk car insurance

Are you searching for the best car insurance companies for people with accidents? Car insurance rates vary for each person, but accidents can drive up insurance costs.

With the right auto insurance company, you can save even more if an accident is on your record.

Don’t worry – our guide explains which companies have affordable car insurance for people with accidents and we’ll show you how to get cheap car insurance after an accident.

After you learn more about the best car insurance companies for people with accidents, enter your ZIP code in the free online quote tool above to compare multiple companies near you.

Where can I find the cheapest car insurance company for people with accidents?

Start with the best insurance companies in the auto insurance industry if you’re not sure where to look.

Here are the top 10 car insurance companies in the United States and their average 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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State Farm, GEICO, and Nationwide are the cheapest auto insurance companies for people with accidents.

USAA is an affordable company, but it’s only available to the military and their immediate families.

We included liability-only insurance to show you different angles of car insurance costs.

Liability auto insurance is the minimum requirement in most states. Full coverage car insurance is only needed if you’re still making payments on your vehicle.

Can smaller insurance companies provide cheap car insurance for people with accidents?

The answer is yes.

Smaller companies don’t have the same reach as significantly larger companies, but auto insurance companies like Auto-Owners, Chubb, Erie Insurance, and North Carolina Farm Bureau carry affordable rates, also.

However, several factors determine whether affordable car insurance is available to you.

The most significant factor is your driving history. A bad driving record can increase your rates by at least 24%.

Auto insurance companies also use your address as a factor. Car insurance companies can even narrow down your factors based on the city where you live.

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How do accidents affect your driving record?

One accident can drive up your auto insurance rates. Multiple accidents within a short period can place you in a high-risk pool.

Once you’re in a high-risk pool, your DMV may require you to enroll in SR-22. Your auto insurance company usually forgives first-time minor car accidents.

Vehicle accidents that cause a significant amount of bodily injury and property damage go on your driving record.

The three years is the look-back period in which car insurance companies determine if you’re a risky driver, so your auto insurance rates will be more expensive for at least three years.

Getting insurance after an accident can be complicated at first.  But there’s a way to make your car insurance shopping much easier.

How do I get car insurance for people with accidents on their driving record?

You should be up front about your accident during the quote process. Getting affordable auto insurance with a bad driving record is possible.

Car insurance companies can check your insurance history to see if you’ve had any accidents and claims.

We recommend targeting car insurance discounts to cancel out the increase in prices. Continue reading to learn more.

What discounts can lower car insurance rates for people with accidents?

Instead of switching car insurance after an accident, try focusing on eligible discounts. If you meet the right circumstances, you can reduce the 24% increase from accidents.

Here’s a list of auto insurance discounts that can bring down expensive rates.

  • Anti-Theft Discount – Up to 25%
  • Distant Student Discount – Up to 35%
  • Driving Device/App Discount – At Least 10%
  • Good Student Discount – About 25%
  • Multiple Policies Discount – Varies
  • Multiple Vehicles Discount – Varies
  • Newer Vehicle Discount – Varies

These are only a few examples. Qualifying for a few auto insurance deals lowers car insurance quotes for people with accidents.

Why should I shop at the best car insurance companies?

Shopping with the best insurance companies ensures that you get reliable coverage at a reasonable price.

Also, the best auto insurance companies are better with claims. The A.M. Best ratings show the financial strength ratings and how well companies pay out claims.

Check out the car insurance company summary from A.M. Best.

Top Car Insurance Companies A.M. Best Ratings
Car Insurance CompaniesA.M. Best Ratings
AllstateA+ (Superior)
American FamilyA (Excellent)
FarmersA (Excellent)
GEICOA++ (Superior)
Liberty MutualA (Excellent)
NationwideA+ (Superior)
ProgressiveA+ (Superior)
State FarmA++ (Superior)
TravelersA++ (Superior)
USAAA++ (Superior)
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A.M. Best is one of the best rating agencies for insurance companies. A.M. is also a national insurance rating agency.

Therefore, the “A” ratings that a company has in New York will be the same in Nevada.

Any smaller company working under parent companies will share the same A.M. Best rating as the parent company.

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Best Car Insurance Companies for People with Accidents: The Bottom Line

Accidents can drive up your auto insurance rates. If you qualify for several discounts, you can prevent car insurance expenses from going up.

Before you buy car insurance from the best car insurance companies for people with accidents, use our free online quote tool to compare multiple companies in your local area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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