Best Cheap Car Insurance After an Accident


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Key Takeaways

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Progressive offers the cheapest minimum coverage at $69.00 monthly and competitive full coverage at $145.44 monthly for drivers with accidents.

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

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Shop multiple insurers immediately after an accident since accident penalties vary widely between companies. Bundle auto and home policies to save 10-25%, and consider safer vehicles with lower repair costs to reduce your premiums.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Best Cheap Car Insurance Companies After an Accident

Progressive is the best option for drivers with at-fault accidents, earning the highest MoneyGeek score of 95 out of 100, with an annual premium of $1,745 for full coverage. However, 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.

State Farm$55$12090
Auto Owners$75$14292
Progressive$77$14594
Travelers$77$14894
Geico$82$16489

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 22-29 pay $112.28 monthly, while middle-aged drivers (30-59) see rates drop to $90.95 monthly, and seniors (60+) enjoy the lowest rates at just $83.67 monthly.

Data filtered by:Results filtered by:
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Age Group:30-59
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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 8 states, while Auto Owners leads in 6 states, State Farm in 4 states, and GEICO in 2 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.

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 8 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 $120.29 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.

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 accident forgiveness, 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.

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 at $163.71 monthly, 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 Insurance: Best Regional Provider

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

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

Auto-Owners Insurance 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

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.

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's past three to five years. This is why accident forgiveness is valuable, especially for teenage drivers seeking insurance.

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 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, use available discounts and improve your driving habits. Taking these steps can help you secure a more affordable rate.

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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.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto 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.

Which company offers the cheapest car insurance after an accident?

How long does an accident impact my car insurance rates?

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

If my current insurer raises my rates due to an accident, can I switch to a different provider?

What is non-standard insurance?

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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