Compare Best Car Insurance Companies That Accept Drivers With Multiple Accidents [2023]
Many car insurance companies offer affordable car insurance for high risk drivers. High-risk drivers must rely on car insurance companies that accept drivers with multiple accidents. On average, USAA, State Farm and GEICO offer the lowest rates for multiple at-fault accidents.
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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...
Licensed Insurance Agent
UPDATED: Nov 7, 2023
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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: Nov 7, 2023
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
- USAA, Geico, and State Farm are among the top car insurance companies that accept drivers with multiple accidents
- A car insurance policy can be canceled if there are too many at-fault accidents within a 36-month time period
- Accidents include at-fault collisions, driving infractions and tickets
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.
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.
USAA, State Farm, and Geico are among the top car insurance companies for those with multiple accidents on their record. Due to USAA requiring a membership to participate in its insurance offerings, it’s not an option available to everyone.
However, potential buyers can compare Geico vs. State Farm among other car insurance options to determine the best fit for them.
Enter your ZIP code in the free tool above and find car insurance companies that accept drivers with multiple accidents.
What are the car insurance companies that accept drivers with multiple accidents?
Several car insurance companies offer affordable car insurance for high-risk drivers.
| 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 |
USAA: After an at-fault accident, USAA rates typically increase an average of $340. Our USAA car insurance review provides more information on the car insurance company’s coverage options.
Geico: Geico rates increase an average of $721 per at-fault accident. See all coverage options in our Geico car insurance review.
State Farm: State Farm increases its rates for multiple accidents by an average of $304. Learn more about State Farm’s offering by reading the full State Farm insurance review.
Read more: Best Accident Insurance Companies
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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
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
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.
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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...
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.