Cheap Auto Insurance for Drivers With Multiple Accidents in 2024 (Top 10 Low-Cost Companies)
State Farm, Geico, and Travelers offer cheap auto insurance for drivers with multiple accidents, with rates at $140/month. State Farm provides the top overall pick for its competitive rates, Geico excels in affordability, and Travelers offers flexible terms to help high-risk drivers find the best coverage options.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 4, 2024
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UPDATED: Sep 4, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min Coverage for Drivers With Multiple Accidents
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min Coverage for Drivers With Multiple Accidents
A.M. Best Rating
Complaint Level
Pros & Cons
The leading providers for cheap auto insurance for drivers with multiple accidents come from State Farm, Geico, and Travelers, offering rates at $140/month. State Farm stands out as the top pick overall for its low rates and strong accident forgiveness options.
While Geico offers budget-friendly plans, and Travelers provides flexible coverage terms. This guide breaks down each provider’s offerings, helping you find the best rates and coverage for high-risk drivers.
Our Top 10 Company Picks: Cheap Auto Insurance for Drivers With Multiple Accidents
Company | Rank | Monthly Rates | Bundling Discount | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $140 | 17% | Reliable Choice | State Farm | |
#2 | $145 | 15% | Budget Friendly | Geico | |
#3 | $147 | 15% | Flexible Terms | Travelers | |
#4 | $148 | 13% | Stable Premiums | Nationwide | |
#5 | $149 | 14% | Personalized Service | American Family | |
#6 | $150 | 12% | Comprehensive Coverage | Progressive | |
#7 | $152 | 10% | Customizable Plans | Liberty Mutual | |
#8 | $153 | 12% | Strong Coverage | Farmers | |
#9 | $155 | 10% | Coverage Options | Allstate | |
#10 | $157 | 11% | Older Drivers | The Hartford |
Compare various accident insurance options to help you find the best coverage to protect against these potential costs.
Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code above to find the most affordable quotes in your area.
- Save on premiums with cheap auto insurance for drivers with multiple accidents
- State Farm is the top pick for low rates and strong accident forgiveness options
- Geico and Travelers deliver the best deals for drivers with repeated accidents
#1 – State Farm: Top Overall Pick
Pros
- Steadfast Choice: State Farm is renowned for being a consistent and dependable provider for drivers with repeated accidents, offering reliable coverage and dedicated support.
- Economical Monthly Premiums: With a minimum coverage cost of $140, State Farm delivers some of the most competitive rates for drivers facing multiple incidents.
- Significant Bundling Savings: Offers a generous 17% discount when bundling multiple policies, maximizing potential savings for high-risk drivers. Check out insurance savings in our complete State Farm auto insurance review.
Cons
- Moderate Multi-Policy Savings: Despite a high bundling discount, the overall savings might not compare as favorably to some other insurers’ offers on comprehensive policies.
- Potential Premium Surges: Rates may rise considerably for drivers with multiple accidents who need more extensive coverage beyond the basics.
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#2 – Geico: Best for Budget Friendly
Pros
- Cost-Conscious Choice: Geico presents itself as an excellent option for budget-minded drivers with multiple accidents, with a minimum coverage premium starting at $145.
- Versatile Payment Structures: Offers diverse payment plans, providing flexibility and convenience for drivers with multiple accidents managing tight budgets. Delve into our evaluation of Geico auto insurance review.
- Attractive Discount Offers: Includes a 15% discount for bundling policies, enabling drivers with multiple accident history to achieve additional savings.
Cons
- Restrictive Accident Forgiveness: Geico’s accident forgiveness may not extend to all drivers with multiple accidents, potentially resulting in escalated rates.
- Sharp Rate Hikes Post-Claims: Even minor claims can trigger significant rate increases, affecting long-term affordability for some drivers.
#3 – Travelers: Best for Flexible Terms
Pros
- Adaptive Policy Terms: Travelers Insurance stands out for its highly adaptable policy terms, well-suited to the needs of drivers with accident histories.
- Reasonable Minimum Coverage Pricing: Provides a fair minimum coverage rate of $147, striking a balance in the market for drivers with multiple incidents.
- Solid Bundling Incentive: Offers a 15% discount on policy bundling, fostering potential savings for drivers seeking comprehensive protection. See more details on our Travelers auto insurance review.
Cons
- Geographic Limitations: Coverage options may not be available in all areas, which could limit access for some customers.
- Costly Comprehensive Coverage: While offering flexible policies, the price for comprehensive coverage can be higher for drivers with multiple accidents.
#4 – Nationwide: Best for Stable Premiums
Pros
- Predictable Pricing: Nationwide is known for its stable premiums, even for drivers with multiple accidents, making it a trusted option. Discover insights in our Nationwide auto insurance review.
- Accident Forgiveness Feature: Offers a unique accident forgiveness program that helps maintain steady rates for drivers with a history of incidents.
- Affordable Minimum Rates: With a minimum coverage rate of $148, Nationwide offers competitive pricing for drivers needing essential coverage.
Cons
- Modest Bundling Discount: A 13% bundling discount might not provide maximum savings for all drivers with multiple accidents.
- Restricted Customization: May have fewer options for personalization of drivers with multiple accidents, which could be a drawback for those needing specific coverage.
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#5 – American Family: Best for Personalized Service
Pros
- Tailored Customer Care: American Family is celebrated for its individualized customer service approach, particularly advantageous for drivers with multiple accidents.
- Affordable Minimum Premiums: Offers a competitive minimum coverage rate of $149, making it an accessible option for those with an accident history.
- Decent Bundling Savings: Provides a 14% car insurance discounts for policy bundling, enabling some cost reductions for drivers with multiple incidents.
Cons
- Higher Costs for Younger Drivers: Younger drivers with accident records might find premiums steeper even with available discounts.
- Basic Online Tools: The digital experience and resources may not be as advanced as some competitors for drivers with multiple accidents, possibly affecting ease of use.
#6 – Progressive: Best for Comprehensive Coverage
Pros
- Broad Coverage Spectrum: Progressive is recognized for its wide array of coverage options, catering well to drivers with multiple accidents. Access comprehensive insights into our Progressive auto insurance review.
- Competitive Entry-Level Rates: With a minimum coverage rate of $150, Progressive remains competitive for those seeking a comprehensive policy at entry-level pricing.
- Diverse Discount Opportunities: Includes multiple discount avenues, like a 12% bundling reduction, which can help high-risk drivers manage costs.
Cons
- Pricey Full Coverage Plans: Comprehensive coverage may carry a higher cost for drivers with multiple accidents.
- Mixed Claims Experience: Some customers have reported varied experiences with the claims process, which could impact overall satisfaction.
#7 – Liberty Mutual: Best for Customizable Plans
Pros
- Customizable Insurance Solutions: Liberty Mutual excels in offering highly tailored insurance plans that accommodate the unique needs of drivers with multiple accidents.
- Direct Cash Payouts: Provides direct payouts to policyholders, giving them flexibility to cover a range of post-accident expenses. Read up on the Liberty Mutual auto insurance review for more information.
- Fair Pricing: A minimum coverage rate of $152 makes Liberty Mutual a viable choice for those looking for custom insurance options.
Cons
- Limited Bundling Discount: Offers a 10% discount for bundling, which might not appeal to those focused on maximizing savings.
- Higher Baseline Rates: Tends to have higher base premiums, especially for drivers with multiple accidents needing more than basic coverage.
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#8 – Farmers: Best for Strong Coverage
Pros
- Resilient Protection Options: Farmers Insurance is well-known for its robust coverage offerings, suitable for drivers with multiple accidents.
- Moderate Minimum Premiums: Offers a minimum coverage rate of $153, positioning it as a reasonably priced choice for strong protection for drivers with multiple accidents.
- Adaptable Payment Terms: Provides flexible payment options that cater to a variety of financial needs for high-risk drivers. Unlock details in our Farmers auto insurance review.
Cons
- Standard Bundling Discount: A 12% discount for bundling is moderate and may not be the best for all drivers with multiple accidents.
- Basic Digital Features: Lacks some of the advanced digital tools and resources offered by other insurers for drivers with multiple accidents, potentially impacting user experience.
#9 – Allstate: Best for Coverage Options
Pros
- Varied Coverage Selections: Allstate offers a broad range of coverage options, including specialized plans for drivers with multiple accidents.
- Comprehensive Accident Forgiveness: Features a robust accident forgiveness program, which is advantageous for high-risk drivers.
- Balanced Premium Rates: The minimum coverage rate of $155 reflects a balanced approach between cost and coverage offerings. More information is available about the relevant provider in our Allstate Milewise review.
Cons
- Lower Discount for Bundling: Provides a 10% discount for bundling for drivers with multiple accidents, which may not be sufficient for maximizing savings.
- Higher Minimum Coverage Expense: Minimum coverage rates are relatively steep for drivers with multiple accidents compared to some competitors.
#10 – The Hartford: Best for Older Drivers
Pros
- Specialized for Senior Drivers: The Hartford offers tailored insurance policies specifically designed for older drivers, including those with multiple accidents.
- Decent Discount Structure: The Hartford auto insurance review provides an 11% discount on bundled policies, helping older drivers find affordable coverage.
- Reputable Customer Service: Known for its exceptional customer support, particularly for older drivers managing accident-related insurance needs.
Cons
- Higher Minimum Coverage Rates: At a rate of $157, The Hartford’s minimum coverage is among the higher-priced options for drivers with multiple accidents.
- Restricted Regional Availability: Insurance coverage may not be available in all states, potentially limiting choices for some drivers with multiple accidents.
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The Best Accident Insurance Companies
Accident forgiveness car insurance is a type of policy add-on that stops your rates from going up after an at-fault accident. Buying accident forgiveness will raise your annual insurance rates by 3%-6%. Fortunately, many auto insurance companies automatically add this coverage to your policy for free after you remain claim or accident-free for a certain number of years. It is important to look into insurance types such as personal liability insurance, as well.
We found that Allstate and Nationwide offer the best accident forgiveness based on availability and depth of coverage. Both allow for multiple accidents on a policy, although Nationwide insurance rates are cheaper.
Read more: Cheap Auto Insurance Companies
Best Accident Forgiveness Car Insurance: Allstate Platinum
Allstate auto insurance can be a great option in this circumstance. Bear in mind, Allstate accident forgiveness is only available with the more expensive Your Choice policies, and you won’t qualify unless you’ve remained accident-free for at least nine years. However, Platinum policies offer unlimited accident forgiveness, and drivers can still keep their safe driving discounts after an at-fault accident.
You can opt for a less expensive Gold Policy, which forgives one accident every three years, but your rates will still be higher than average.
Best Accident Forgiveness For Multiple Accidents: Nationwide
Having more than one car accident on your record can make you a high-risk driver. Fortunately, Nationwide auto insurance is one of the only auto insurance companies that forgives multiple accidents without a tiered policy.
Nationwide accident forgiveness allows for minor accidents (up to $1,500) and two at-fault accidents every three years. It also comes with more affordable rates than Allstate.
Best Accident Insurance: Liberty Mutual
Personal accident and AD&D insurance are types of supplemental coverage that pay for medical bills, funeral costs, and more if you’re seriously injured or killed in an accident, including auto collisions. Group policies are typically available through your employer, although some companies offer coverage as part of life or health insurance.
Very few insurance companies provide stand-alone accident insurance, but Liberty Mutual auto insurance sells individual personal accident policies. Coverage includes accidental death and dismemberment insurance. Typically, AD&D is purchased separately, but Liberty Mutual offers up to $50,000 with personal accident insurance.
Liberty Mutual accident insurance also pays out directly to policyholders, not the hospital or your physician. This means customers get cash to use toward their most important expenses after an accident, whether that is physical therapy, grocery delivery, or extended hospital stays.
Read More: The Hartford Auto Insurance
How Auto Insurance Rates Change After an Accident
Having just one accident on your record will add auto insurance points to your license. Companies use these points to determine your insurance rates — having more points means paying more for auto insurance.
Auto Insurance Monthly Rates for Drivers With Multiple Accidents by Coverage Level & Provider
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Allstate | $155 | $345 |
American Family | $149 | $335 |
Farmers | $153 | $350 |
Geico | $145 | $325 |
Liberty Mutual | $152 | $340 |
Nationwide | $148 | $330 |
Progressive | $150 | $335 |
State Farm | $140 | $315 |
The Hartford | $157 | $355 |
Travelers | $147 | $320 |
Take a look at the chart below to see how much a single at-fault accident, or other traffic violation, can raise your rates.
State Farm and Geico offer the cheapest rates after an accident, but Geico raises your rates much higher after an accident. For example, State Farm’s rates only increase by around $200 per year, while Geico’s jump $500 or more.
Despite offering the most competitive accident forgiveness programs, Allstate and Nationwide have higher-than-average rates. However, Nationwide will not raise your rates nearly as high as some other companies after an accident.
You will not see any rate increases after your first at-fault accident if you buy accident forgiveness. All companies on this list offer accident forgiveness, but these programs are not created equal. Scroll through the following section to compare accident forgiveness car insurance companies.
Compare companies to find cheap auto insurance companies that don’t penalize you if an accident isn’t your fault.
Auto Insurance Companies That Offer Accident Forgiveness
The top 10 insurance companies in the country all offer accident forgiveness to their customers, but each comes with its own restrictions and requirements. If you’re looking to buy full-coverage auto insurance, the companies reviewed above are some of the best.
For example, most companies require customers to maintain a good driving record for a certain number of years before accident forgiveness is even an option. Some insurers also only forgive one accident — your first accident — while others forgive multiple accidents on a three-to-five-year basis.
Depending on your driving record, you may not be eligible for accident forgiveness. The table below lists the coverage details and requirements from car insurance companies that offer accident forgiveness. Keep reading to find out where you qualify for coverage.
Auto Insurance Companies with Accident Forgiveness Coverage
Insurance Company | Accident Forgiveness Coverage |
---|---|
Allstate | - Coverage only available with Your Choice policies: Gold or Platinum - Gold policies forgive one accident every three years - Platinum policy accident forgiveness is unlimited - Rates will not increase after an at-fault accident - Drivers will not lose the good driver discount |
American Family | - Must maintain a clean driving record for 12 months to qualify - Must have no more than one (1) at-fault accident on your record to qualify - Rates will not increase after an at-fault accident - Coverage only applies to the first at-fault accident - Drivers will not lose the good driver discount |
Erie | - Must be an Erie customer for three years or more to qualify - Rates will not increase after an at-fault accident - Coverage only applies to the first at-fault accident - Coverage doesn’t apply on policies with Erie Rate Lock |
Farmers | - Must maintain a good driving record to qualify - Coverage applies to one accident every three years - Rates will not increase after an at-fault accident - Coverage allows for unlimited fender bender forgiveness (under a certain cost threshold) |
Geico | - Must be accident-free for five years to qualify - Coverage applies to one accident every 3-5 years (depending on state law) - Rates will not increase after an at-fault accident - Drivers will not lose the good driver discount |
The Hartford | - All drivers on a policy must remain accident-free for five years to qualify - Rates will not increase after an at-fault accident - Coverage only applies to the first at-fault accident |
Liberty Mutual | - Must remain accident-free for five years to qualify - Rates will not increase after an at-fault accident - Drivers will not lose the good driver discount |
Nationwide | - Must be a customer for six months to qualify - Coverage applies to two minor violations and two at-fault accidents every three years - Coverage allows for unlimited fender bender forgiveness up to $1,500 - Rates will not increase after an at-fault accident - Drivers will not lose the good driver discount |
Progressive | - Must be a customer for six months to qualify for up to $500 in coverage - Must remain claim-free for five years for high-cost accident forgiveness - Rates will not increase after an at-fault accident |
State Farm | - Must be a customer and maintain a claim-free record for nine years to qualify - Rates will not increase after an at-fault accident - Drivers will not lose the good driver discount - Coverage applies to one accident every nine years |
Travelers | - Must be a customer and remain accident-free for five years to qualify - Coverage applies to one accident every three years - Rates will not increase after an at-fault accident |
Read more: Erie Auto Insurance Review: Should you buy?
Accident forgiveness is not available in every state, and coverage can vary from company to company, depending on where you live. If you’re interested in adding accident forgiveness to your policy, compare quotes from these and local companies in your neighborhood to find the most affordable coverage.
Accident forgiveness will not cover medical costs or repair bills. This kind of insurance only stops your rates from increasing after an accident. You will need additional accident insurance or medical coverage to protect you from paying out of pocket.
Health insurance, personal injury protection (PIP), or medical payments (MedPay) coverage will pay for loss-related medical bills following an auto accident. If you don’t carry this insurance, you may want to buy accident insurance to cover any additional personal costs after an accident.
Accident insurance typically includes personal accident and accidental death and dismemberment coverage.
Personal Accident Insurance
Personal accident insurance, sometimes called supplemental accident insurance, is designed to cover the unexpected costs of accidental death or injury. The Insurance Information Institute reports that in 2021 alone, there were 42,915 fatalities from accidents. So personal accident insurance may be more relevant than you realize.
Unlike disability insurance, you can file a claim with accident insurance even if you’re still able to work. Policies typically pay out directly to customers so money can be used toward any type of care.
You may also need coverage for specific injuries, including concussions, eye injuries, or burns that require specialized treatment not always covered by health insurance. Personal accident insurance can help cover these costs, so you aren’t struggling to pay expensive medical bills while you recover from an accident.
AD&D Insurance
Accidental death and dismemberment insurance covers exactly what it says it does — the policy pays out if you die, lose a limb, or are paralyzed due to an accident. Coverage also applies if you lose a sensory function like hearing or sight.
However, AD&D insurance has many restrictions, including which accidents it covers and how much your beneficiaries receive. For example, you may only receive 50% of your payout if you lose one limb but 100% if you lose two or more.
What’s the difference between accident and AD&D insurance? AD&D coverage applies specifically to accidental deaths or injuries, while personal accident insurance pays for much more. AD&D is also a rider added to existing accident, health, or life insurance policies for an additional fee and cannot be purchased alone. Liberty Mutual is one of the few insurers that offer AD&D as part of personal accident insurance.
Accident Insurance Cost
If you buy personal accident insurance, monthly rates are between $5 and $50. Rates increase if you choose higher levels of coverage or want to include a more extensive list of covered accidents in your policy.
You can buy AD&D riders from your life or health insurance company for around $10 per month. Rates will be higher if you’re older or have a high-risk career or hobbies.
You might save money buying accident insurance from Liberty Mutual, which combines personal accident and AD&D coverage in one policy. However, Liberty Mutual auto insurance rates are more expensive than average, and you may not need this additional coverage if you have adequate health or life insurance.
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How to Get the Best Accident Insurance
If your current insurer doesn’t have accident insurance or accident forgiveness, shop around and compare policies online to find the best accident insurance company near you. Browse in our guide “Buying No-Fault Auto Insurance.”
The easiest way to get the right accident insurance policy is to ask yourself how much coverage you really need and weigh the pros and cons of each policy type. This way, you know what you’re looking for when you start shopping for affordable companies and comparing insurance quotes online.
Follow the steps below to research the best accident insurance companies.
Consider the Pros and Cons of Accident Forgiveness
Accident forgiveness can save you money on car insurance after your first accident, but consider the pros and cons before deciding to buy coverage.
Pros and Cons of Accident Forgiveness
Pros | Cons |
---|---|
Prevents your rates from increasing after an at-fault accident | Not available in every state |
Avoid paying accident surcharges on your policy | Not available with every insurance company |
Some companies allow unlimited fender benders | Coverage typically applies only once -- your first accident |
Drivers must remain accident-free for at least three years to qualify |
Accident forgiveness highly depends on where you live. Coverage isn’t available everywhere, and other limitations can apply. For example, California insurance laws forbid companies from offering this coverage anywhere in the state. In North Carolina, statutes can restrict forgiveness to accidents less than $1,800.
Buy cheap Gardena, CA auto insurance after reading our review of the best options in there.
You may also wonder if you really need accident forgiveness if you haven’t been in an auto collision in the past three years or more. This is one of those “just in case” types of coverage — it’s an excellent way to supplement coverage when adding a new or teen driver to your policy, but it may be irrelevant if you’re a good driver who rarely files insurance claims.
Ask the Right Accident Insurance Questions
Is personal accident insurance necessary? This is an important insurance question to ask yourself as you shop around for auto and accident coverage. It will help you determine how much coverage you need.
Personal accident insurance can be helpful because most companies pay cash directly to policyholders, giving you the freedom to pay for necessities while your medical coverage pays for hospital bills.
You might want this coverage if you don’t have health or life insurance, but you likely don’t need it if you live in a no-fault state that requires PIP or MedPay. You also won’t need AD&D insurance if it’s already included with your life insurance policy.
Compare Insurance Quotes Online
You can start looking for affordable companies once you know the kind of policies you need. Take advantage of free online comparison tools like the one above to get insurance quotes from multiple companies in your area. Compare the most common types of auto insurance to help you understand what you need.
Getting accident insurance quotes online gives you the chance to compare multiple companies side-by-side to see which can offer you the best coverage at the best price.
For example, you may find that a local insurer offers a better accident insurance package than Liberty Mutual or more affordable accident forgiveness than Allstate. Don’t settle for the first offer you receive, and take time to compare at least three companies.
Switch Insurance Companies
If you find a better price for the policies you need, then it’s time to switch auto insurance companies. Call your current insurer to cancel coverage, but make sure your new policies start just as your old coverage ends. If not, you risk driving without insurance, which can result in tickets and fines. You may even lose your driving privileges.
Comparing Quotes for Car Insurance After Multiple Accidents
Finding the right car insurance for multiple accidents can be challenging, but comparing quotes from different providers can help you identify the best coverage options. Whether you need the best auto insurance if you have accidents or the cheapest car insurance with multiple accidents, shopping around is essential to securing a good rate.
To find the best car insurance for multiple accidents, start by gathering multiple car insurance quotes after an accident. Many providers offer cheap car insurance after an accident, but the rates and terms will vary based on your driving history and risk profile. Delve into more details in our guide “How To Get Multiple Quotes Before Buying Auto Insurance.”
For drivers labeled as “high risk,” it’s crucial to explore high risk car insurance companies that specialize in offering auto insurance for high risk drivers. These companies are experienced in providing high risk car insurance tailored to those with a poor driving record.
If you’re looking for the best car insurance companies for drivers with accidents, focus on providers known for competitive rates and flexible coverage options. Look into insurance for high risk drivers and compare policies for car insurance for people who have had accidents to find one that suits your needs.
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Comparing options is particularly important for those seeking high risk auto insurance or affordable car insurance for high risk drivers. Since not all insurers offer the same rates, getting multiple quotes can help you find auto insurance for multiple accidents that fits your budget.
Many high risk auto insurance companies offer specialized plans, so it’s wise to look for the best insurance for high risk drivers to ensure comprehensive protection. By comparing quotes from different providers, you increase your chances of finding the most suitable and affordable car insurance for high risk drivers.
What You Need to Know About the Best Accident Insurance Companies
Accident forgiveness and accident insurance are not the same types of coverage, but both policy types can help you save money after an auto collision. It is important to note as well there are insurance companies that don’t penalize you if an accident isn’t your fault.
Accident forgiveness stops your car insurance rates from going up after an accident. Allstate and Nationwide offer the best accident forgiveness packages, but you will pay more for coverage.
Liberty Mutual is the only auto insurance company offering personal accident insurance as a standalone policy with AD&D coverage. If you are an existing Liberty Mutual customer, you can bundle your auto and accident insurance policies for additional discounts.
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Case Studies: Securing Affordable Auto Insurance After Multiple Accidents
These case studies illustrate how drivers with multiple accidents found affordable auto insurance by choosing the right providers and coverage options.
- Case Study #1 – State Farm’s Accident Forgiveness Plan: John, a 35-year-old from Texas, lowered his premiums after two at-fault accidents by switching to State Farm and using their accident forgiveness program to avoid future rate hikes.
- Case Study #2 – Geico’s Budget-Friendly Coverage: Emily, a 29-year-old from Florida, found Geico’s affordable rates helped her save significantly after a serious collision, maintaining essential coverage despite her accident record.
- Case Study #3 – Flexible Options With Travelers Insurance: Mark, a 45-year-old from California, secured customizable coverage at a reasonable cost with Travelers, despite having three at-fault accidents in five years.
By exploring different companies and coverage options, these drivers were able to find the best solutions tailored to their specific situations. Uncover details in our guide “Buying Liability Auto Insurance Coverage.”
State Farm offers the best balance of affordable rates and accident forgiveness for drivers with multiple accidents.
Daniel Walker Licensed Insurance Agent
Whether through accident forgiveness, competitive rates, or flexible plans, there are options available to help manage costs after multiple accidents. You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
Frequently Asked Questions
What does accident forgiveness mean for drivers with multiple accidents?
Accident forgiveness is an insurance feature that prevents premium increases for drivers with multiple accidents by keeping rates steady after their first at-fault incident. For a comprehensive overview, explore our detailed resource titled “How long does an auto insurance policy last?”
Is accident forgiveness beneficial for drivers with multiple accidents?
Drivers with multiple accidents can greatly benefit from accident forgiveness, as it helps avoid large rate increases and saves money on future coverage. Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code below into our comparison tool today.
How can drivers with multiple accidents become eligible for accident forgiveness?
To qualify for accident forgiveness, drivers with multiple accidents must maintain a clean driving record, often requiring 3 to 9 years without any claims, depending on the insurer.
Can drivers with multiple accidents add accident forgiveness after an incident?
Drivers with multiple accidents cannot typically add accident forgiveness immediately after an incident; they must first go accident-free for a minimum of three years to qualify. To enhance your understanding, explore our comprehensive resource on insurance titled “Buy Cheap Auto Insurance as a New Driver.”
How frequently can drivers with multiple accidents reset accident forgiveness?
Most insurance providers allow drivers with multiple accidents to reset their accident forgiveness every 3 to 5 years, depending on the insurer’s rules. Check out our ranking of the top providers: Best Auto Insurance Companies.
Who offers the cheapest auto insurance for drivers with multiple accidents?
For drivers with multiple accidents, State Farm, Geico, and Travelers are often the most affordable options, providing competitive rates and coverage flexibility.
Which insurance company is the top choice for drivers with multiple accidents?
State Farm is frequently considered the best option for drivers with multiple accidents due to its low rates and comprehensive accident forgiveness programs.
How much can rates increase for drivers with multiple accidents?
Insurance rates for drivers with multiple accidents can double or more after an at-fault collision, with the exact rise depending on the details and the insurer’s policies. For detailed information, refer to our comprehensive report titled “How To Lower Your Auto Insurance Rates.”
Is it possible for drivers with multiple accidents to get affordable coverage?
Drivers with multiple accidents can still find budget-friendly insurance by comparing offers from companies like State Farm, Geico, and Travelers. Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool below.
What extra coverage options are advisable for drivers with multiple accidents?
Drivers with multiple accidents should look into additional coverage options like personal accident insurance, accidental death and dismemberment (AD&D) insurance, and medical payments (MedPay) to minimize out-of-pocket expenses.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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.