Compare Car Insurance Companies That Give You a Break Five Years After an Accident [2021]

Finding car insurance companies that give you a break five years after an accident is easy since most states remove accidents from your driving record before then. Any accidents on your driving record will raise rates around $80 a month. Auto insurance companies that give you a break five years after an accident will lower your rates provided you have had a clean driving record since your accident.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 23, 2021

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Here's What You Need to Know

  • Accidents stay on your driving record for three to five years
  • Car insurance companies should stop charging you higher rates when an accident is removed from your driving record
  • Drivers can still save money on auto insurance after an accident by shopping around and asking for discounts

It’s no surprise that your driving history affects your auto insurance rates. The good news is that accidents on your record don’t increase your rates forever.

Finding car insurance companies that give you a break five years after an accident is easy since most accidents are removed from your driving record before then.

If you’ve been in an accident, you should shop around for car insurance coverage. Each company will weigh your accident differently and offer different rates.

Enter your ZIP code now to compare free quotes from car insurance companies that give you a break five years after an accident.

Which car insurance companies give you a break five years after an accident?

There are many factors affecting car insurance rates, and your driving record is one of the most important.

Car accidents are common but have major consequences. In fact, over 36,000 people died from car accidents in 2019 according to the National Highway Traffic Safety Administration.

Car insurance companies pay very close attention to accidents on your driving record. Accidents can indicate that you are a risky driver and will be charged higher rates.

So, how much does car insurance go up after a minor accident? This table shows you how much your auto insurance rates can increase after one accident.

Average Annual Car Insurance Rates with One Accident
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 Accident
Allstate$3,819.90$4,987.68
American Family$2,693.61$3,722.75
Farmers$3,460.60$4,518.73
GEICO$2,145.96$3,192.77
Liberty Mutual$4,774.30$6,204.78
Nationwide$2,746.18$3,396.95
Progressive$3,393.09$4,777.04
State Farm$2,821.18$3,396.01
Travelers$3,447.69$4,289.74
USAA$1,933.68$2,516.24

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One accident can raise your rates an average of $80 a month. If you have multiple accidents, those rates will skyrocket.

However, once those accidents are removed from your record, your rates will go back down. In fact, it’s impossible to find car insurance companies that don’t give you a break five years after an accident.

How long does a car accident stay on your insurance record? In most cases, an accident only stays on your record for three to five years, depending on the state you live in and the seriousness of the accident.

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How can drivers with an accident on their driving record get lower car insurance rates?

There are several ways to keep your car insurance rates low after an accident.

First, ask for any car insurance discounts that are available. Not all discounts are based on your driving so you may still be able to find multiple discounts that you can bundle for greater savings.

Next, find out if your car insurance offers accident forgiveness if this is your first accident. Many insurers will be lenient if you haven’t been in an accident in a long time.

You may also want to consider switching car insurance after an accident. Not every company will weigh your accident the same, and you may be able to find lower rates elsewhere.

Car Insurance Companies That Give You a Break Five Years After an Accident: The Bottom Line

Most accidents are removed from your driving record within five years unless it was a very serious accident and you were reckless. Your car insurance rates should go down once the accident is removed.

Shop around and compare rates from car insurance companies that give you a break five years after an accident to see who can offer you a better deal. Some companies will be cheaper than others even with an accident on your record.

Now that you’ve learned about auto insurance companies that give you a break five years after an accident, enter your ZIP code to compare quotes for free from companies near you.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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