Compare Car Insurance Companies That Accept Drivers With Multiple Accidents [2022]

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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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's what you need to know...

  • 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 CompanyAverage 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
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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.

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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
GEICO5 years
State Farm 1-3 years *
USAA3 years
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*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 InfractionAverage Car Insurance Rate Increase
DUI$979
None
$0
Reckless Driving $437
Speeding $337
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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.

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

  1. https://www.iii.org/fact-statistic/facts-statistics-alcohol-impaired-driving
  2. https://www.nhtsa.gov/risky-driving

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

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