Best Car Insurance Company for Drivers With Accidents (2025)

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

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.

Read more: Cheapest Car Insurance Companies

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.

Read more:

• What discounts are available for Auto-Owners car insurance customers?
• Best North Carolina Car Insurance
• Chubb Insurance Company Review & Complaints: Auto, Home, and Business Insurance

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.

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.

Read more: Car Insurance Discount for Multiple Vehicles

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

Read more: Farmers vs. State Farm Car Insurance: Expert Recommended

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.

Case Studies: Best Car Insurance Companies for Drivers With Accidents

Case Study 1: GEICO

One customer, Sarah, was involved in a car accident that resulted in significant damage to her vehicle. Despite having an accident on her record, she was able to find affordable car insurance with GEICO.

With their competitive rates and willingness to work with drivers who have accidents on their record, Sarah was able to save money on her insurance premiums while still receiving the coverage she needed.

Case Study 2: State Farm

Another driver, Mark, had multiple accidents within a short period, which placed him in a high-risk pool. He was worried that he wouldn’t be able to find affordable car insurance due to his driving record.

However, State Farm was able to provide him with coverage at a reasonable price. They took into account his accident history but also offered him various discounts to help lower his rates.

Case Study 3: Auto-Owners

A driver named Lisa was looking for car insurance after a recent accident. She decided to explore smaller insurance companies and found Auto-Owners. Despite not being as well-known as some larger companies, Auto-Owners offered her affordable rates and the coverage she needed. By considering smaller companies, Lisa was able to find a suitable option that fit her budget.

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.

Read more: Can I buy car insurance online?