Bad Driving Record? Best Cheap Car Insurance After an Accident

Enter your ZIP code to get started


Free. Simple. Secure.

Updated: May 20, 2024

Advertising & Editorial Disclosure

State Farm provides the best and cheapest full coverage car insurance for drivers with accidents on their record, regardless of age.

Accidents can raise insurance rates because they signal higher risk to insurance companies. Providers will typically charge you increased rates as long as the accident is on your record, generally between three and five years. The exact timing can vary based on the accident's severity, where the driver lives and the insurance company's rules. Some states and companies might view minor or non-fault accidents differently.

MoneyGeek Logo IconBest CheapCar InsuranceAfter Accident

Best Cheap Car Insurance for Drivers After an Accident

Key Takeaways

State Farm has the lowest rates for drivers at fault in an accident.

If you're at fault in an accident or receive a ticket, your insurance rates are likely to increase. Generally, an accident can stay on your record for up to five years.

Even with a bad driving record, you may qualify for discounts that lower your car insurance rates. Shop around and compare quotes from multiple providers to find the best rates.

Why Trust MoneyGeek? We ensure that MoneyGeek's content meets our highest editorial standards by carefully scrutinizing it. Throughout each stage, our team writes, checks facts, edits and reviews the content produced to generate accurate information.

1,059,156Quotes Analyzed
897Zip Codes
67Companies Compared

Best Car Insurance After an Accident

For most drivers with at-fault accident record, State Farm is the best and cheapest option. It has MoneyGeek score of 89 out of 100 with $$1,091 annual premium. Travelers comes in second with a score of 88/100 and an annual premium of $1,506.

Overall Best After an Accident: State Farm

State Farm



Offers cheap rates for drivers with an accident, ticket or DUI.


Available in every state.


High score of 89 /100 in MoneyGeek's overall best provider comparison study.



Doesn't offer some specialized coverage options, such as accident forgiveness, new car replacement or gap insurance.


Higher-than-average customer complaint ratio.


While car insurance companies, including State Farm, keep their pricing models confidential, State Farm consistently offers the most affordable coverage for drivers of all ages with accidents on their records. It also provides a broad range of stackable discounts to enhance savings. These competitive offerings ensure that insurance remains budget-friendly for everyone. State Farm offers policies in every state, making affordable insurance accessible. Switching to State Farm is straightforward, with free quotes available online or over the phone.

Read MoneyGeek's State Farm Auto Insurance Review

The table below is designed to guide you in choosing the right coverage. You can search for the best providers based on your age group and preferred type of coverage to help you make an informed decision.

By comparing quotes from different providers, you can find the best car insurance that suits your needs. Additionally, you can use MoneyGeek's car insurance calculator to preview potential policy costs before entering your personal details into a quote tool.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
State FarmMG Best Score (out of 100)89Annual Premium$1,091Monthly Premium$91
TravelersMG Best Score (out of 100)88Annual Premium$1,506Monthly Premium$126
GEICOMG Best Score (out of 100)87Annual Premium$1,546Monthly Premium$129
NationwideMG Best Score (out of 100)86Annual Premium$1,409Monthly Premium$117
ProgressiveMG Best Score (out of 100)86Annual Premium$1,810Monthly Premium$151
AllstateMG Best Score (out of 100)85Annual Premium$1,584Monthly Premium$132
FarmersMG Best Score (out of 100)85Annual Premium$1,838Monthly Premium$153

Cheapest Car Insurance After an Accident

On average, State Farm offers the cheapest full coverage policy after an accident for every age group:

  • Drivers aged 22-29: $1,347
  • Drivers aged 30-59: $1,091
  • Drivers aged 60+: $1,004

The provider’s policies are 34% cheaper on average than the national average for drivers with a record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
State FarmAnnual Premium$1,091Monthly Premium$91
NationwideAnnual Premium$1,409Monthly Premium$117
TravelersAnnual Premium$1,506Monthly Premium$126
GEICOAnnual Premium$1,546Monthly Premium$129
AllstateAnnual Premium$1,584Monthly Premium$132
ProgressiveAnnual Premium$1,810Monthly Premium$151
FarmersAnnual Premium$1,838Monthly Premium$153

Several factors determine your insurance premiums, not just accidents on your record. You can control some, like your address and credit score. Others, like your age or local insurance costs, are out of your hands. Even with an accident on your driving record, you can keep costs down by using available car insurance discounts and comparing insurance options every year for the best deal.

Cheapest Car Insurance After an Accident by State

State Farm is the most affordable car insurance provider in 21 U.S. states. State Farm consistently delivers unmatched value for drivers seeking cost-effective coverage, solidifying its reputation as a leading choice for many nationwide.

Car insurance rates can vary significantly from one state to another, especially for drivers with an at-fault accident on their record. Each state has its own regulations and laws that influence insurance premiums. In some states, specific laws dictate how much an insurer can increase rates after an at-fault accident, ensuring that hikes remain within reasonable limits. Drivers should know their state's guidelines to understand the potential impact on their insurance costs.

The following table displays the cheapest insurer by state for both minimum and full coverage policies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
AlabamaCompanyCountry FinancialAnnual Premium$996Monthly Premium$83
AlaskaCompanyState FarmAnnual Premium$861Monthly Premium$72
ArizonaCompanyRoot Insurance CompanyAnnual Premium$852Monthly Premium$71
ArkansasCompanyState FarmAnnual Premium$756Monthly Premium$63
CaliforniaCompanyAAA CaliforniaAnnual Premium$1,517Monthly Premium$126
ColoradoCompanyAmerican National P&CAnnual Premium$725Monthly Premium$60
ConnecticutCompanyGEICOAnnual Premium$1,001Monthly Premium$83
DelawareCompanyTravelersAnnual Premium$904Monthly Premium$75
mglogo icon

Car insurance companies review driving records to assess a driver's risk level. These records include both at-fault and not-at-fault accidents, which can significantly impact premiums, and may highlight defensive driving course completions, which can benefit drivers.

You driving record also includes your:

  • Driving history
  • License classification
  • Points

Drivers should actively check their records for accuracy, as mistakes can affect insurance rates. If you find discrepancies, you should contact your state's DMV.

Best Cheap Car Insurance for Military Members After an Accident

For those affiliated with the U.S. Armed Forces, including active-duty service members, veterans and their families, select insurance providers may offer exclusive military discounts. Among these, USAA stands out, earning a score of 93 out of 100 in MoneyGeek’s best car insurance comparison review. USAA frequently presents the most favorable rates for drivers with an at-fault accident violation.

If a driver has an at-fault accident on their record and is insured with USAA, they can expect to pay an average annual rate of $953 for full coverage.


USAA offers competitive insurance rates tailored for active-duty military personnel, veterans and their families. USAA members can anticipate significant yearly savings on their car insurance premiums even with an at-fault accident on their record.

How Much Car Insurance Goes Up After an Accident

Car insurance premiums often increase after an at-fault accident because insurance companies see drivers with poor driving records as riskier to insure.

According to MoneyGeek’s in-depth analysis of car insurance rates, full coverage policy costs increase by 24% after an at-fault accident, which amounts to an average of $208.

Premium Increase After an Accident

Average Driver

Annual Premium

Driver With an Accident

Annual Premium

Drivers with an accident pay:$208 more

This is 24% more expensive.

How to Get Cheap Insurance After an Accident

A hike in car insurance premiums after an accident can strain your finances. However, by being proactive and exploring various options, you can find ways to mitigate the increase and secure a more affordable rate. Whether it's shopping around for different providers, taking advantage of discounts or improving your driving habits, there are actionable steps you can take to ease the financial burden.

    carVsCar icon

    Switch car insurance companies

    If your current insurer raises your rates significantly at renewal time, consider switching to a different car insurance company. Every company uses a unique pricing model; some may offer better rates for drivers with accidents. There's no need to wait for your renewal to make the switch. You can switch car insurance after an accident, but you may need to work with your previous insurer if you filed a claim.

    find icon

    Shop around with multiple providers

    Insurance companies use different methods to set rates, so quotes can vary widely. To find the best car insurance deal, get quotes from at least three different companies. Over time, accidents on your record impact your rates less, so you should compare rates each year to make sure you're getting the best price.

    insurance2 icon

    Bundle your home and car insurance policies

    Many insurers offer home and auto bundles. Bundling these policies can often result in lower rates. Additionally, insuring multiple vehicles with the same company might qualify you for discounts. Inquire about bundling options for potential savings.

    discount icon

    Seek out other discounts

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

    carInsurance icon

    Switch to a less expensive vehicle

    Your vehicle type can influence insurance costs. Some cars, due to their safety profile or other factors, cost more to insure. When possible, consider vehicles known for safety and affordability, such as the Toyota Camry, to potentially reduce your premiums.

Compare Auto Insurance Rates

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

Frequently Asked Questions

Knowledge empowers your decisions, so spend some time looking over our frequently asked questions to equip yourself with the answers you need to pick the best car insurance following 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?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.