Best Car Insurance for Multiple Accidents in 2024 (Top 10 Providers)
State Farm, USAA, and Progressive shine as the premier choices for the best car insurance for multiple accidents, boasting rates starting at just $33 per month. Catering to high-risk drivers, they offer flexible coverage options and competitive pricing, ensuring comprehensive protection on the road.
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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: May 13, 2024
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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: May 13, 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.
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State Farm emerges as the top pick overall among the best car insurance for multiple accidents, closely followed by USAA and Progressive. These providers offer comprehensive coverage and exceptional customer service, providing high-risk drivers with flexible options.
Drivers with multiple accidents can still find affordable car insurance options. Many insurance providers cater to this demographic, ensuring access to comprehensive coverage despite past incidents.
Our Top 10 Company Picks: Best Car Insurance for Multiple Accidents
| Company | Rank | Accident Forgiveness Discount | Defensive Driving Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | 10% | Accident Forgiveness | State Farm |
 | #2 | 14% | 9% | Customer Service | USAA |
 | #3 | 12% | 8% | Multi-Policy Discounts | Progressive |
 | #4 | 13% | 7% | Add-on Coverages | Allstate |
 | #5 | 11% | 6% | Vanishing Deductible | Nationwide |
 | #6 | 13% | 7% | Customizable Policies | Liberty Mutual |
 | #7 | 14% | 8% | Policy Options | Farmers |
 | #8 | 12% | 9% | Local Agents | Travelers |
 | #9 | 12% | 6% | Bundling Discounts | American-Family |
 | #10 | 11% | 5% | Online Convenience | Esurance |
These companies focus on providing value to drivers who have experienced multiple accidents by offering customized coverage options to meet their specific needs.
As industry leaders, they ensure comprehensive protection and affordable rates, making them the preferred options for drivers in need of insurance following accidents.
Enter your ZIP code in the free tool above and find car insurance companies that accept drivers with multiple accidents.
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#1 – State Farm: Top Overall Pick
Pros
- Low Rate Increase: State Farm boasts the lowest rate increase, averaging $304 per at-fault accident, providing cost-effective options for drivers with multiple accidents.
- Comprehensive Coverage: When it comes to auto insurance for speeding tickets and other infractions, State Farm provides options tailored to drivers’ individual circumstances.
- Focused Attention: The State Farm car insurance review focuses on the company’s meticulous approach during the initial 12 months post-accidents, customizing solutions based on individual risk profiles.
Cons
- Limited Membership: State Farm’s services may not be available to everyone as they prioritize accidents or lack of accidents within a consecutive 12-month cycle.
- Membership Requirement: USAA requires membership for participation in its insurance offerings, limiting accessibility for certain individuals.
#2 – USAA: Best for Tailored Solutions
Pros
- Tailored High-Risk Coverage: USAA offers specialized high-risk car insurance options, catering to drivers with poor credit, high-risk profiles, and teens.
- Competitive Rates: Despite at-fault accidents, USAA maintains competitive rates, with an average increase of $340, ensuring affordability for high-risk drivers.
- Membership Benefits: In our comprehensive USAA car insurance review, discover how USAA goes above and beyond mere insurance, offering a holistic approach to serving military personnel and their families.
Cons
- Membership Requirement: USAA’s services are exclusive to military personnel and their families, limiting accessibility for the general public.
- Limited Availability: Geico’s high-risk coverage may not be available to everyone, as it requires meeting specific requirements, potentially excluding certain individuals.
#3 – Progressive: Best for Flexible Coverage
Pros
- Flexible Coverage Options: In the Progressive car insurance review, various options are available for drivers with poor records, ensuring coverage despite multiple at-fault accidents.
- Accident Forgiveness: Geico extends accident forgiveness coverage for up to one at-fault accident, providing a safety net for high-risk drivers.
- Affordable Rates: Despite the high-risk designation, Geico presents some of the lowest rates for drivers with a history of accidents, starting at approximately $1,352 annually.
Cons
- Limited Availability: Geico’s high-risk coverage may not be available to everyone, as it requires meeting specific requirements, potentially excluding certain individuals.
- Five-Year High-Risk Period: Geico designates drivers as high-risk for five years after multiple at-fault accidents, impacting long-term insurance costs.
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#4 – Allstate: Best for Comprehensive Coverage
Pros
- Accident Forgiveness: Allstate provides accident forgiveness, offering a safety net for drivers with multiple at-fault accidents.
- Personalized Coverage: Allstate car insurance review showcases customized coverage options for drivers with less-than-ideal records, guaranteeing a thorough and individualized approach.
- Nationwide Availability: Allstate’s services are widely available across the nation, providing accessibility to a broad customer base.
Cons
- Rate Increases: Allstate’s rate increases for multiple accidents can be relatively higher compared to some competitors.
- Coverage Costs: While offering comprehensive coverage, Allstate’s rates may be perceived as on the higher side for certain high-risk profiles.
#5 – Nationwide: Best for Stable Rates
Pros
- Stable Rates: Nationwide car insurance discounts ensure stability in rates, offering a consistent and predictable cost for drivers with multiple accidents.
- Coverage Customization: Nationwide allows for the customization of coverage, accommodating the unique needs of high-risk drivers.
- Extensive Network: Nationwide’s widespread network ensures accessibility and availability of services for a diverse customer base.
Cons
- Average Rate Increase: While rates are stable, Nationwide’s rate increases after multiple accidents may not be as competitive as some other companies.
- Varied Customer Experiences: Customer satisfaction may vary, with some experiencing challenges in claims processing and customer service.
#6 – Liberty Mutual: Best for Versatile Coverage
Pros
- Coverage Flexibility: Liberty Mutual provides flexibility in coverage, allowing customization for drivers with multiple at-fault accidents.
- Accident Forgiveness: In this Liberty Mutual car insurance review, the insurer provides accident forgiveness, lessening the effect of at-fault accidents on insurance premiums.
- Discount Opportunities: Liberty Mutual provides various discount opportunities, potentially reducing costs for high-risk drivers.
Cons
- Rate Competitiveness: Liberty Mutual’s rates may not always be the most competitive for drivers with multiple accidents.
- Policy Renewal Considerations: Policy renewal may pose challenges for drivers with a history of multiple at-fault accidents.
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#7 – Farmers: Best for Personalized Plans
Pros
- Personalized Coverage Plans: Farmers Insurance offers personalized coverage plans, addressing the specific needs of drivers with multiple accidents.
- Accident Forgiveness Options: Farmers provides accident forgiveness options, minimizing the impact of at-fault incidents on insurance premiums.
- Discount Opportunities: Farmers car insurance review highlights multiple discount options, potentially lowering expenses for high-risk drivers.
Cons
- Rate Competitiveness: Farmers’ rates may not always be the most competitive for drivers with a history of multiple accidents.
- Limited Accessibility: Farmers Insurance may have limited accessibility in certain regions, affecting availability for some customers.
#8 – Travelers: Best for Flexible Policies
Pros
- Flexible Policy Options: Travelers provides flexibility in policy options, allowing customization to meet the unique needs of high-risk drivers.
- Accident Forgiveness Program: Travelers offers an accident forgiveness program, assisting drivers with a history of at-fault accidents.
- Discount Programs: In our comprehensive Travelers car insurance review, we delve into the array of discount programs they offer, which could significantly alleviate costs for individuals deemed high-risk.
Cons
- Rate Competitiveness: Travelers’ rates may not always be the most competitive for drivers with multiple accidents.
- Limited Coverage in Some Areas: Travelers Insurance may have limited coverage options in certain regions, affecting accessibility for some customers.
#9 – American Family: Best for Personalized Service
Pros
- Personalized Service: American Family Insurance emphasizes personalized service, catering to the unique needs of high-risk drivers.
- Accident Forgiveness: In the American Family car insurance review, discover how American Family provides a lifeline with accident forgiveness, easing the burden for drivers with past at-fault accidents.
- Discount Opportunities: American Family provides various discount opportunities, potentially reducing costs for high-risk individuals.
Cons
- Rate Competitiveness: American Family’s rates may not always be the most competitive for drivers with multiple accidents.
- Limited Availability: American Family Insurance may have limited availability in certain regions, affecting accessibility for some customers.
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#10 – Esurance: Best for Online Convenience
Pros
- Online Convenience: Discover how to obtain an Esurance car insurance quote effortlessly with their user-friendly online platform, catering specifically to high-risk drivers.
- Accident Forgiveness: Esurance provides accident forgiveness, minimizing the impact of at-fault incidents on insurance premiums.
- Discount Opportunities: Esurance offers various discount opportunities, potentially reducing costs for high-risk individuals.
Cons
- Rate Competitiveness: Esurance’s rates may not always be the most competitive for drivers with a history of multiple accidents.
- Limited Coverage Options: Esurance may have limited coverage options in certain regions, affecting availability for some customers.
Car Insurance Companies Accepting Drivers With Multiple Accidents
Several car insurance companies offer affordable car insurance for high-risk drivers.
Car Insurance Monthly Rates With Multiple Accidents
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $160 |
| American Family | $44 | $117 |
| Esurance | $46 | $114 |
| Farmers | $44 | $139 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $39 | $105 |
| State Farm | $33 | $86 |
| Travelers | $37 | $99 |
| USAA | $22 | $59 |
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.
State Farm stands out as the top choice, offering trusted stability and competitive rates for high-risk drivers with multiple accidents.
Brad Larson Licensed Insurance Agent
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.
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. If you’re interested in learning more about top car insurance companies, check out “The Top 5 Car Insurance Companies” for comprehensive insights.
Finding affordable car insurance for drivers with multiple accidents is possible with various options in the market including those offered by the Best Accident Insurance Companies. 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 You’re 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.
When seeking auto insurance for DUI incidents, it’s crucial to compare quotes from insurers specializing in high-risk auto insurance coverage to find the best options for your situation. 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.
Number of Years Car Insurance Policyholders Stay High Risk
| Insurance Company | Years You Stay High Risk |
|---|---|
| Allstate | 3 years |
| Farmers | 3 years |
| Geico | 5 years |
| Nationwide | 3 years |
| Progressive | 3-5 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. When seeking coverage from the Best High-Risk Auto Insurance Companies, it’s crucial to understand how each provider evaluates risk factors and offers tailored solutions.
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Best Car Insurance for a Bad Driving Record
Bad or risky driving is defined as impaired driving, speeding, and traffic violations.
Car Insurance Monthly Rate Increase by Infraction
| Driving Infraction | Rate Increase |
|---|---|
| DUI | $979 |
| 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.
Car Insurance Options After 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.
Companies like USAA, State Farm, and Geico offer competitive rates for drivers with multiple accidents on their records. State Farm stands out with its minimal rate increase per accident, while USAA and Geico provide tailored solutions for bad driving records. Remember, each insurer offers unique benefits, so compare quotes and choose wisely based on your specific needs.
Find car insurance companies that accept drivers with multiple accidents by entering your ZIP code in the free tool below.
Case Studies: Real-Life Examples – Car Insurance Success Stories
Car insurance is vital for drivers, providing financial protection and peace of mind on the road. Here are real-life examples illustrating how different insurance companies support drivers through challenging situations:
- Case Study #1 – Stability Amidst Adversity: John, a State Farm policyholder, faced multiple at-fault accidents but found stability through State Farm’s Accident Forgiveness feature. Despite the challenges, his premium remained stable, showcasing State Farm’s commitment to supporting drivers in difficult times.
- Case Study #2 – Flexibility for Military Families: Emily, insured with USAA, navigated the complexities of military life with ease. USAA’s specialized coverage for military families provided the flexibility she needed, with features like deployment-related discounts and extended grace periods.
- Case Study #3 – Empowering High-Risk Drivers: Mike, with a history of accidents, found reassurance in Progressive’s tailored coverage. Progressive’s understanding of high-risk situations empowered Mike to access affordable rates without compromising on essential coverage, rebuilding his confidence on the road.
These case studies demonstrate how different insurance companies offer unique solutions to meet the diverse needs of drivers, emphasizing stability, flexibility, and empowerment in the face of adversity.
State Farm's stability and commitment to supporting drivers through challenging situations, as reflected in its high customer review percentage of 92%, make it the top choice for reliable car insurance.
Tracey L. Wells Licensed Insurance Agent & Agency Owner
As drivers navigate life on the road, these success stories serve as a reminder of the importance of choosing the right insurance provider. By exploring the diverse solutions offered by insurers, drivers can find the peace of mind they need to confidently navigate their journeys ahead.
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Navigating Auto Insurance After Multiple Accidents: Your Roadmap to Coverage
The right auto insurance coverage is crucial for drivers with multiple accidents on their records. State Farm stands out, offering comprehensive protection and competitive rates for high-risk drivers. USAA and Geico also provide tailored solutions for bad driving records, ensuring accessibility and affordability for drivers in need of insurance following accidents.
Remember, each insurer offers unique benefits, so it’s essential to compare quotes and choose wisely based on your specific needs and budget. Consulting with licensed insurance professionals can help you navigate through the options and obtain advice tailored to your circumstances. With the right insurance coverage in place, you can drive with confidence, knowing you’re adequately protected on the road.
Explore your options and find the right car insurance coverage that suits your needs and budget. Remember, each company provides different benefits, so compare quotes and choose wisely to ensure you’re adequately protected on the road.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
Frequently Asked Questions
Can I still get car insurance if I have multiple accidents on my record?
Yes, many insurance companies offer coverage for drivers with multiple accidents. However, rates may be higher due to the increased risk. This includes options for car insurance with multiple accidents.
What are the best car insurance companies for drivers with multiple accidents?
Some of the best car insurance companies for drivers with multiple accidents include State Farm, USAA, Progressive, Allstate, and Nationwide. These are among the 10 best car insurance companies for such situations.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
How can I find the best insurance for my situation as a high-risk driver?
It’s essential to compare quotes from multiple insurance companies and consider factors such as coverage options, rates, and customer service reputation. This is crucial for finding the best insurance for multiple accidents.
Explore our guide to the “Best Car Insurance Companies” and make informed decisions to secure reliable coverage for your needs.
Will being labeled as a high-risk driver affect my ability to get insurance?
While being labeled as a high-risk driver may limit your options, there are still insurance companies willing to provide coverage. However, premiums may be higher than average, especially for bad driver auto insurance.
What factors determine the cost of car insurance for drivers with multiple accidents?
The cost of insurance for drivers with multiple accidents is influenced by factors such as driving history, location, age, type of vehicle, and coverage options. This includes considerations for auto insurance for multiple accidents.
Are there any specific discounts available for high-risk drivers?
Some insurance companies offer discounts for high-risk drivers who take defensive driving courses or install safety features in their vehicles. This can help in finding the best auto insurance with accidents.
For further information, delve into our thorough guide titled “Best Car Insurance for High-Risk Drivers” to discover tailored solutions for your insurance needs.
How long am I considered a high-risk driver after multiple accidents?
Typically, drivers are considered high-risk for three to five years after multiple at-fault accidents, depending on the insurance company’s policies. This affects best car insurance for high risk drivers.
Can I still get affordable car insurance with a bad driving record?
Yes, some insurance companies specialize in providing affordable coverage for drivers with bad driving records. Shopping around and comparing quotes is key to finding the best rates for bad driver insurance.
What are the consequences of driving without insurance as a high-risk driver?
Driving without insurance as a high-risk driver can result in hefty fines, license suspension, vehicle impoundment, and difficulty obtaining insurance in the future. This highlights the importance of finding the best insurance for high-risk drivers.
To delve deeper, refer to our in-depth report titled “Driving Without Insurance” and stay informed about the importance of maintaining proper coverage
How can I improve my driving record and lower my insurance premiums?
To improve your driving record, practice safe driving habits, avoid traffic violations, and consider taking defensive driving courses. Additionally, maintaining continuous insurance coverage can help lower premiums over time, even for best car insurance for accident history.
Ready to find affordable car insurance? Use our free comparison tool below to get started.
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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.
