Best Cheap Car Insurance After an Accident


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Key Takeaways

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Progressive offers the cheapest car insurance after an accident at $69 monthly minimum coverage and $145 full coverage.

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Car insurance rates increase 24% on average after an accident, adding $208 annually for 3-5 years.

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State Farm provides the most affordable full coverage at $120 monthly with strong MoneyGeek score of 90 out of 100.

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Accident forgiveness car insurance prevents rate increases for your first at-fault accident.

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Best Cheap Car Insurance Companies After an Accident

State Farm offers the most affordable rates at $1,444 annually while still maintaining a strong score of 90, making it the best value for budget-conscious drivers. However, Progressive is the best option for drivers with at-fault accidents, earning the highest MoneyGeek score of 94 out of 100, with an annual premium of $1,745 for full coverage.

Provider
Monthly Minimum Coverage
Monthly Full Coverage
MoneyGeek Score
Accident Forgiveness Availability

$55

$120

90

Yes - included with full coverage

Auto Owners

$75

$142

92

Yes - available as add-on

$77

$145

94

Yes - available as add-on

$77

$148

94

Included after 5 years

GEICO

$82

$164

89

Yes - available as add-on

Note: Accident forgiveness availability and terms vary by state and driving history. Most insurers require 3-5 years of clean driving before eligibility.

Cheapest Car Insurance After an Accident by Age

State Farm consistently offers the most affordable full coverage rates for drivers with accidents across all age groups, with premiums that actually decrease as you get older. Young drivers aged 22 to 29 pay $112 monthly, while middle-aged drivers (30 to 59) see rates drop to $91 monthly, and seniors (60+) enjoy the lowest rates at just $84 monthly.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
State Farm89$1,091$91
Travelers88$1,506$126
GEICO87$1,546$129
Nationwide86$1,409$117
Progressive86$1,810$151
Allstate85$1,584$132
Farmers85$1,838$153

Cheapest Car Insurance After an Accident by State

Travelers is the most affordable car insurance provider in 15 U.S. states for drivers with an at-fault accident, making it the leader in state-by-state affordability. Progressive follows with the cheapest rates in eight states, while Auto Owners leads in six states, State Farm in four states, and GEICO in two states. The following table shows the cheapest insurer by state for minimum and full coverage policies.

ArizonaTravelers$84$153
ArkansasTravelers$69$135
CaliforniaProgressive$126$245
ConnecticutGeico$69$153
DelawareTravelers$85$141
FloridaTravelers$120$257
IllinoisAuto Owners$65$118
IndianaProgressive$70$117
IowaTravelers$48$102
KansasTravelers$56$124
KentuckyTravelers$80$149
MaineTravelers$48$85
MarylandTravelers$122$215
MichiganAuto Owners$101$195
MinnesotaAuto Owners$72$135
MissouriTravelers$68$134
MontanaState Farm$30$98
NebraskaAuto Owners$60$125
NevadaTravelers$145$252
New HampshireProgressive$70$109
New YorkProgressive$74$116
North CarolinaProgressive$57$94
OhioAuto Owners$54$119
OklahomaProgressive$84$199
OregonProgressive$99$176
Rhode IslandTravelers$68$120
South CarolinaAuto Owners$100$164
South DakotaProgressive$34$108
TennesseeTravelers$63$134
TexasState Farm$69$137
UtahGeico$96$184
VirginiaTravelers$63$115
WashingtonState Farm$83$169
WisconsinTravelers$55$104
WyomingState Farm$27$89

Best Car Insurance After an Accident Company Reviews

We've analyzed the top insurance companies to find which ones offer the best combination of affordable rates, solid coverage, and reliable service for drivers with accidents on their records. Below are the top performers, each offering something different depending on what matters most to you: affordable rates, premium coverage options, or outstanding customer service when filing claims.

Progressive: Best Cheap Company Overall

Company logo for Progressive
Progressive
MoneyGeek Score:
94/ of 100

Avg. Monthly Minimum Coverage Rate$77
Avg. Monthly Full Coverage Rate$145
Overview

Progressive stands out for drivers who want comprehensive coverage options after an accident. While you'll pay more upfront, you get access to industry-leading coverage features and innovative programs that can help reduce your rates over time.

Progressive accident forgiveness is available as an add-on for eligible drivers who have been accident-free for 5 years. The feature costs approximately $30-60 annually but can save hundreds in rate increases after your first at-fault accident.

The company's Snapshot program is particularly valuable for post-accident drivers, as it can help you earn discounts based on actual driving behavior rather than just your accident history. Progressive also leads in eight states for affordability, including key markets like North Carolina, New York, and New Hampshire.

State Farm: Best Value for Budget-Conscious Drivers

Company logo for State Farm
State Farm
MoneyGeek Score:
90/ of 100

Avg. Cheap Monthly Minimum Coverage Rate$55
Avg. Monthly Full Coverage Rate$120
Overview

At $120 monthly for full coverage, State Farm offers the lowest rates among major national insurers in our analysis. While State Farm may not offer the most comprehensive coverage options or score as highly as competitors in customer service, it delivers solid, reliable insurance at prices that won't strain your budget.

State Farm accident forgiveness is automatically included with full coverage policies after maintaining a clean driving record for 3 years, making it one of the most generous accident forgiveness programs available without additional premium costs.

You'll get dependable coverage backed by one of the largest insurers in the country, plus the option to work with local agents if you prefer face-to-face service. However, if you want extensive coverage options or premium customer service, you might find better value with other insurers in our rankings.

Travelers: Best For Comprehensive Coverage

Company logo for Travelers
Travelers
MoneyGeek Score:
94/ of 100

Avg. Monthly Minimum Coverage Rate$77
Avg. Monthly Full Coverage Rate$148
Overview

Travelers doesn't penalize accident-prone drivers as harshly as some competitors. Their IntelliDrive program lets you earn discounts based on current driving habits, while bundling and responsible driver discounts help reduce the sting of accident-related rate increases.

Travelers' accident forgiveness is included automatically after 5 years of continuous coverage and a clean driving record, providing valuable protection for long-term customers without additional fees.

When you do need to file a claim, Travelers delivers reliable service with strong customer satisfaction scores. Plus, if you're in one of their 15 leading states, you'll likely pay less than competitors even with an accident on your record.

GEICO: Most Widely Available

Company logo for GEICO
GEICO
MoneyGeek Score:
90/ of 100

Avg. Monthly Minium Coverage Rate$55
Avg. Monthly Full Coverage Rate$120
Overview

GEICO excels at making insurance simple for accident-prone drivers through industry-leading digital tools and streamlined claims processing. Their mobile app lets you report accidents instantly, track claim progress, and manage your policy, especially valuable when dealing with post-accident stress.

While premiums run higher, you're paying for convenience and reliability. Military families particularly benefit from substantial discounts that can offset the higher base rates, making GEICO competitive for service members with accidents.

Auto-Owners: Best Regional Provider

Company logo for Auto-Owners
Auto-Owners
MoneyGeek Score:
90/ of 100

Avg. Monthly Minimum Coverage Rate$55
Avg. Monthly Full Coverage Rate$120
Overview

Auto-Owners is the best option in the Midwest insurance market for good reason. It understands regional driving conditions, weather patterns, and customer expectations better than national carriers. While the insurer only operates in select Midwest states, it has built deep community roots, allowing it to offer a personalized local agent approach. The company's claims service consistently ranks above industry averages, and their accident forgiveness program is particularly generous compared to national competitors.

How to Get Cheap Car Insurance Premiums After an Accident

An increase in car insurance premiums after an accident can strain your budget. To reduce the impact, shop for different providers, compare quotes regularly, bundle policies, use available discounts, and consider coverage adjustments like higher deductibles or accident forgiveness. Taking these strategic steps can help you secure a more affordable rate and protect against future increases.

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    Switch car insurance companies

    If your insurer raises your rates significantly at renewal, consider switching companies. Each insurer has its own pricing model; some may offer better rates for drivers with accidents. You don't have to wait for renewal to make the change.

    You can switch car insurance after an accident, but you may need to work with your previous insurer if you filed a claim.

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    Shop around with multiple providers

    Insurance companies use different methods to set rates, so quotes can vary. To find the best deal, get quotes from at least three providers. Over time, accidents on your record impact your rates less, so compare quotes annually to ensure you get the best price.

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    Bundle your home and car insurance policies

    Many insurers offer home and auto bundles, which often result in lower rates. Insuring multiple vehicles with the same company might also qualify you for discounts. Inquire about bundling options for potential savings.

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    Seek out other discounts

    Having an accident doesn't disqualify you from various discounts. You might save on premiums by paying your policy in full, installing safety or security devices or participating in a telematics program.

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    Switch to a less expensive vehicle

    Your vehicle type can affect insurance costs. Cars with better safety features or lower repair costs are cheaper to insure. Consider vehicles known for safety and affordability, like the Toyota Camry, to help lower your premiums.

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    Compare Quotes Regularly

    Compare quotes every 6 months as rates can change frequently. Insurers regularly adjust their pricing models, and you may find better deals by shopping around regularly.

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    Consider Higher Deductibles

    Consider higher deductibles to reduce monthly premiums. Increasing your deductible from $500 to $1,000 can lower your premium by 10-15%.

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    Ask About Accident Forgiveness

    Ask about accident forgiveness before your next incident. Adding this coverage now protects you from rate increases if you have another accident.

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    Maintain Continuous Coverage

    Maintain continuous coverage to avoid additional penalties. Gaps in coverage can result in higher rates when you restart your policy.

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    Complete Defensive Driving Courses

    Complete defensive driving courses for potential discounts. Many insurers offer 5-10% discounts for state-approved defensive driving programs.

What Makes Car Insurance Cheaper After an Accident?

Insurance companies evaluate multiple criteria when setting premiums for drivers with accidents, and knowing these factors helps you target the right insurers and coverage options. Understanding what factors influence your insurance rates after an accident can help you find the most affordable coverage options.

Insurance Company Risk Assessment Policies

Time Since Accident

Accident Severity and Fault Status

Your Overall Driving Record

Geographic Location Impact

Credit Score and Financial Stability

How Much Does Car Insurance Go Up After an Accident?

Full coverage costs increase by 24% on average after an at-fault accident, adding about $208 annually. Premiums often rise because insurers see drivers with poor records as higher risks.

Premium Increase After a Car Accident

car
Average Driver

Annual Premium Increases

$883
accident2
Driver With an Accident

Annual Premium

$1,091
Drivers with an accident pay:$208 more

This is 24% more expensive.

Factors That Raise Insurance Rates After an Accident

Your insurance premium increases depend on several factors beyond accidents. Some, like your address and credit score, are within your control. Others, such as age and local insurance costs, are not.

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    State laws

    Car insurance rate increases vary by state, especially after an at-fault accident. State laws regulate how much insurers can raise rates, ensuring reasonable increases. Understanding these guidelines helps drivers anticipate changes in costs.

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    Age

    Age is a key factor in rate changes after an accident. Rates are typically lowest from your early 20s through your 60s. Younger drivers face higher rates due to inexperience, while older drivers may see increases because of slower reaction times.

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    Fault Status

    At-fault accidents typically increase your rates more than not-at-fault accidents, with some insurers offering accident forgiveness that waives the first at-fault incident.

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    Insurance Provider

    Each company has different policies for rate increases after accidents, with some being more forgiving than others when calculating your new premium.

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    Other Infractions

    Multiple violations like speeding tickets or DUIs combined with an accident can compound your rate increase significantly.

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    Injuries or severity of the accident

    Accidents involving injuries or significant property damage result in larger insurance payouts and correspondingly higher rate increases than minor fender-benders.

How to File an Insurance Car Accident Claim: Step-by-Step Guide

Filing an insurance car accident claim properly can significantly impact your settlement amount and processing time. Avoiding common car insurance claims mistakes like delayed reporting, accepting low settlement offers, admitting fault, or inadequate documentation is crucial for maximizing your compensation. Follow this step-by-step process to ensure the best possible outcome for your car accident and insurance claim while protecting your financial interests.

  1. 1

    Secure the Accident Scene

    Immediately after the accident, ensure everyone's safety by moving vehicles out of traffic if possible. Turn on hazard lights, set up flares or reflective triangles if available, and check for injuries. Call 911 if anyone is hurt or if there's significant property damage.

  2. 2

    Document Everything Thoroughly

    Take comprehensive photos and gather essential information:

    • Photograph all vehicles from multiple angles, showing damage
    • Capture license plates, VINs, and driver's licenses
    • Document the accident scene, including traffic signals, road signs, and weather conditions
    • Get contact and insurance information from all drivers involved
    • Obtain contact information from any witnesses
    • Note the exact time, location, and circumstances of the accident
  3. 3

    Contact the Police and File a Report

    Call the police immediately, even for minor accidents. Many states require police reports for insurance claims. Provide factual information only and avoid admitting fault or speculating about causes. Request a copy of the police report number for your insurance claim.

  4. 4

    Notify Your Insurance Company

    Contact your insurance company within 24 hours to report the accident. Provide your policy number, accident details, and police report number. Your insurer will assign a claim number and adjuster to handle your case. Be honest but stick to facts - avoid speculation or admitting fault.

  5. 5

    Seek Medical Attention

    Even if you feel fine, see a doctor within 24-48 hours of the accident. Some injuries, like whiplash or concussion,s may not show symptoms immediately. Keep detailed medical records, as these will be crucial for your insurance claim if injuries develop later.

  6. 6

    Work with Your Insurance Adjuster

    Your assigned adjuster will contact you to schedule a vehicle inspection and discuss the claim process. They'll assess damage, determine if your car is repairable or a total loss, and explain your coverage options. Be cooperative, but don't accept the first settlement offer without careful consideration.

  7. 7

    Get Repair Estimates

    Obtain repair estimates from at least two reputable auto body shops. Your insurance company may recommend preferred providers, but you have the right to choose your repair shop. Compare estimates and ensure all damage is included in the repair scope.

  8. 8

    Review and Negotiate Settlement

    Carefully review your insurance company's settlement offer. This should cover vehicle repairs or replacement value, medical expenses, lost wages, and other covered costs. If the offer seems low, provide additional documentation or repair estimates to support your position. Remember that initial offers are often negotiable.

  9. 9

    Finalize Your Claim

    Once you accept a settlement offer, review all paperwork carefully before signing. Ensure you understand what the settlement covers and whether it releases the insurance company from future claims related to this accident. Keep copies of all documents for your records.

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WHEN SHOULD I SEEK LEGAL HELP AFTER AN ACCIDENT?

Consider consulting an attorney for your insurance car accident claim when injuries are severe or long-term, fault is disputed between insurance companies, settlement offers seem unreasonably low compared to your damages, or the other driver was uninsured or underinsured. Legal representation becomes particularly valuable if your claim is denied or delayed without a reasonable explanation, you're being pressured to settle quickly, or multiple parties are involved in the accident, requiring a complex liability determination.

How Long Do Accidents Stay on Your Record?

A car accident typically stays on your record for three to five years, but this can vary depending on where you live, the severity of the accident and any other infractions involved. For instance, an at-fault accident may be removed from your record if no major charges, like DUI or reckless driving, were added. Most insurers base premiums on your driving history for the past three to five years. This is why accident forgiveness is valuable, especially for drivers seeking insurance after their first accident.

What Happens if You Get Into a Car Accident Without Insurance?

Immediate Legal Consequences

Financial Responsibility Requirements

Financial Liability When You Have a Car Accident Without Insurance

Future Insurance Consequences

Compare Auto Insurance Rates

Ensure you are getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Best Cheapest Car Insurance After an Accident: Bottom Line

Getting affordable car insurance after an accident is possible. Compare quotes, use available discounts and understand your coverage options to find a policy that fits your needs. Explore different providers to keep premiums low while ensuring you're adequately covered.

Car Insurance After an Accident: FAQ

Check our frequently asked questions to get the answers about choosing the best car insurance after an accident.

How much does car insurance cost after an accident?

How to get cheap car insurance after an accident?

What is the cheapest car insurance company after an accident?

How long does an accident affect my car insurance rates?

Can drivers still qualify for discounts even with accidents on their records?

Can I switch car insurance companies after an accident?

What is non-standard insurance?

Can I switch car insurance companies after an accident?

Affordable Car Insurance After an Accident: Methodology

MoneyGeek analyzes car insurance rates using data from hundreds of companies. We rely on data from the following independent agencies and reputable authorities:

We keep our editorial policy and standards clear and straightforward for readers. Our writers focus on useful topics by researching and answering frequently asked questions. For accuracy, the MoneyGeek editorial team conducts research, edits, fact-checks and reviews each article throughout the process.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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