Compare Best Car Insurance Companies That Accept Drivers With Multiple Accidents in 2024 (Top 10 Providers)
Compare best car insurance companies that accept drivers with multiple accidents, such as State Farm, USAA, and Progressive. Despite prior accidents, these companies offer competitive rates. Discover affordable car insurance options with our guide.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Feb 12, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
If you’ve had several at-fault accidents in a short amount of time, you may run into some difficulties with your car insurance provider when it’s time to renew. Car insurance providers have the option to choose whether or not to renew your policy.
Company | Rank | See Pros/Cons | Accident Forgiveness Discount | Defensive Driving Course Discount | Best for |
---|---|---|---|---|---|
#1 | State Farm | Up to 15% | Up to 10% | Accident Forgiveness | |
#2 | USAA | Up to 14% | Up to 9% | Customer Service | |
#3 | Progressive | Up to 12% | Up to 8% | Multi-Policy Discounts | |
#4 | Allstate | Up to 13% | Up to 7% | Add-on Coverages | |
#5 | Nationwide | Up to 11% | Up to 6% | Vanishing Deductible | |
#6 | Liberty Mutual | Up to 13% | Up to 7% | Customizable Policies | |
#7 | Farmers | Up to 14% | Up to 8% | Policy Options | |
#8 | Travelers | Up to 12% | Up to 9% | Local Agents | |
#9 | American Family | Up to 12% | Up to 6% | Bundling Discounts | |
#10 | Esurance | Up to 11% | Up to 5% | Online Convenience |
Are there car insurance companies that will offer coverage despite multiple accidents? Yes. Several car insurance companies accept drivers with multiple accidents. Moving forward you will be considered a high-risk driver after multiple at-fault accidents for at least three to five years.
Enter your ZIP code in the free tool above and find car insurance companies that accept drivers with multiple accidents.
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What are the Car Insurance Companies That Accept Drivers With Multiple Accidents?
Several car insurance companies offer affordable car insurance for high-risk drivers.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
State Farm | $86 | $33 |
USAA | $59 | $22 |
Progressive | $105 | $39 |
Allstate | $160 | $61 |
Nationwide | $115 | $44 |
Liberty Mutual | $174 | $68 |
Farmers | $139 | $44 |
Travelers | $99 | $37 |
American Family | $117 | $44 |
Esurance | $114 | $46 |
When it comes to full coverage, State Farm offers competitive rates at $86 per month, providing comprehensive protection. USAA follows closely with an affordable option at $59 monthly, ensuring both coverage and savings for drivers with multiple accidents.
Progressive stands out with flexible full coverage at $105 per month, catering to high-risk drivers. Allstate, at $160 monthly, provides comprehensive protection with accident forgiveness, offering peace of mind on the road.
For those seeking minimum coverage, USAA leads with a budget-friendly option at $22 per month, making it an excellent choice for cost-conscious drivers. State Farm follows at $33 monthly, offering affordable minimum coverage without compromising on essential protection.
Read more: The Top 5 Car Insurance Companies
Progressive provides a balanced option at $39 per month for minimum coverage, ensuring accessibility for drivers with multiple accidents. Allstate, at $61 monthly, offers a reasonable minimum coverage rate with the assurance of a well-established insurance provider.
Car Insurance Company | Average Monthly Rate |
---|---|
Allstate | $169.50 |
Farmers | $197 |
Geico | $138.33 |
MetLife | $259.50 |
Nationwide | $162.50 |
Progressive | $204.33 |
State Farm | $131.91 |
Travelers | $197.75 |
USAA | $111.41 |
Read more: Best Accident Insurance Companies
Finding affordable car insurance for drivers with multiple accidents is possible with various options in the market. Whether you prioritize full coverage or minimum protection offer competitive rates tailored to meet the needs of high-risk drivers. Remember to explore your options and choose the one that best suits your requirements and budget.
How Long are you Considered a High-Risk Driver?
Being a high-risk driver means you’ve had a series of at-fault accidents, a bad driving record including too many tickets or citations, and/or major infractions such as a DUI.
The Insurance Information Institute provides impaired driving data and statistics for drivers.
Typically, car insurance companies refer to a person as high-risk for a period of one to three years.
Car insurance Company | Years a Policyholder is High-Risk |
---|---|
Geico | 5 years |
State Farm | 1-3 years * |
USAA | 3 years |
*State Farm places the highest priority on accidents or lack of accidents within a consecutive 12-month cycle.
Best Car Insurance for a Bad Driving Record
Bad or risky driving is defined as impaired driving, speeding, and traffic violations.
Driving Infraction | Average Car Insurance Rate Increase |
---|---|
DUI | $979 |
None | $0 |
Reckless Driving | $437 |
Speeding | $337 |
If you can meet the requirements of USAA (military personnel or family) and you’re a bad driver then USAA has a high-risk car insurance option for you. The average annual cost is about $1,013.
This type of policy applies to persons with, poor credit, high-risk drivers, and teen drivers.
Geico offers some of the lowest rates for high-risk drivers. Average rates begin at about $1,352 annually. Geico accepts bad driving records and offers accident forgiveness coverage for up to one at-fault accident.
State Farm is available in most states and boasts an average annual rate of $1,339 for high-risk drivers. Bad drivers can receive coverage for multiple at-fault accidents, speeding, and other traffic violations.
Read more: Compare Car Insurance Rates After an At-Fault Accident
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What are Your Car Insurance Options if You’ve Been in Multiple Accidents?
USAA, State Farm, and Geico offer the top competitive rates for those with multiple at-fault accidents on their driving records. State Farm has the lowest rate increase per accident of $304.
After being involved in multiple accidents, you are considered a high-risk driver. State Farm pays the closest attention to the first 12 months after the accidents where USAA keeps a driver high-risk for three years and Geico for five years.
If you’re a high-risk driver, you’ll typically be labeled a bad driver as well. USAA, State Farm, and Geico all provide options for bad driving records. Geico offers the most options for a variety of bad drivers.
Each car insurance company can provide different benefits for those seeking insurance after multiple accidents. The right car insurance will depend on what benefits appeal the most to you.
Find car insurance companies that accept drivers with multiple accidents by entering your ZIP code in the free tool below.
References
- https://www.iii.org/fact-statistic/facts-statistics-alcohol-impaired-driving
- https://www.nhtsa.gov/risky-driving
Case Studies: Real-Life Examples – Car Insurance Success Stories
Case Study 1: State Farm’s Accident Forgiveness in Action
John, a State Farm policyholder, unfortunately experienced multiple at-fault accidents within a short period. With State Farm’s Accident Forgiveness feature, John’s premium remained stable, sparing him from substantial rate hikes. This allowed John to maintain his coverage without facing excessive financial strain, showcasing State Farm’s commitment to supporting drivers through challenging situations.
Case Study 2: USAA’s Tailored Solutions for Military Families
Emily, a military spouse insured with USAA, faced challenges due to her partner’s frequent deployments. USAA’s specialized coverage for military families provided the flexibility Emily needed. With features like deployment-related discounts and extended grace periods, USAA not only offered financial benefits but also eased the stress that often comes with the military lifestyle.
Case Study 3: Progressive’s Flexible Approach for High-Risk Drivers
Mike, a driver with a history of multiple accidents, found solace in Progressive’s tailored coverage. Progressive’s understanding of high-risk situations allowed Mike to access affordable rates without compromising on essential coverage. The flexibility in coverage options empowered Mike to rebuild his confidence on the road, illustrating how Progressive caters to the unique needs of high-risk drivers.
Frequently Asked Questions
Can I get car insurance if I have multiple accidents?
Yes, several car insurance companies accept drivers with multiple accidents.
Which companies offer affordable coverage for high-risk drivers with multiple accidents?
USAA, State Farm, and GEICO are known for offering affordable rates to drivers with multiple accidents.
How long am I considered a high-risk driver after multiple accidents?
Typically, you are considered a high-risk driver for three to five years after multiple at-fault accidents.
Can I still get car insurance if I have a bad driving record?
Yes, companies like USAA, State Farm, and GEICO provide options for drivers with bad records, including multiple accidents.
How can I find car insurance companies that accept drivers with multiple accidents?
Use the free quote tool and enter your ZIP code to compare car insurance companies that accept drivers with multiple accidents.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.