Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Nov 3, 2021

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The Short of It

  • Causing multiple accidents puts you in a high-risk category, but you can regain a good driving record by following traffic laws
  • At-fault accidents increase your insurance rate, but accidents you’re not at fault for could bring your rates up as well
  • GEICO and Progressive are rated as the best auto insurance companies for high-risk drivers

It’s a fact of life – accidents happen, and your auto insurance rates will increase after you’ve been involved in an accident.

Auto insurance companies consider drivers with multiple accidents a higher risk to insure.

If you’ve been in several accidents, it doesn’t mean you’re out of luck. There are several affordable car insurance companies for high-risk drivers that can help you get liability auto insurance.

Finding affordable auto insurance companies that accept drivers with multiple accidents is easy when you comparison shop online. If you’re ready to shop around for auto insurance quotes, enter your ZIP code in our free tool.

Which auto insurance companies accept drivers with multiple accidents?

Car insurance companies are hesitant to insure drivers they think are more likely to file claims. Accidents aren’t the only thing they look at, though.

Other high-risk activities include traffic violations, DUIs, your payment history, and the type of car you drive. These are red flags that insurance companies look for.

Check to see if you fall under one (or more) of these high-risk auto insurance categories:

Traffic Violations and Their Impact on Insurance Rates
Traffic ViolationIncrease in Insurance Rate
At-Fault Accident$569
Texting While Driving$321
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If you do, you’ll pay higher rates than low-risk drivers. However, there aren’t many auto insurance companies that don’t accept drivers with multiple accidents.

Even if you have to pay more, the following companies rank highly for drivers with multiple accidents:


With an AM Best rating of A+, Progressive is an excellent auto insurance company that accepts drivers with multiple accidents and is ranked as one of the best liability auto insurance companies for 2021.


  • Snapshot safe driving program
  • Rideshare and gap coverage
  • Diminishing deductible


  • Average customer service ratings
  • Complicated sign-up prices

Drivers who take advantage of Progressive’s Snapshot program save an average of $146.

Additionally, Progressive offers different rates based on how you sign up for coverage, so you’ll want to check that you’re getting the best deal.

State Farm

State Farm enjoys an AM Best rating of A++, so drivers can rest assured they’ll be taken care of in the event of a claim.


  • Lower-than-average rates for DUIs
  • Drive Safe and Save program


  • No GAP coverage for high-risk drivers
  • Customer service ratings vary by location

The Drive Safe and Save program can lower your rates by up to 30%.


GEICO is another A++ company, according to AM Best, and they were a top scorer in JD Power’s Digital Customer Experience Study.


  • Good rates for high-risk and young drivers
  • Can provide SR-22 form for proof-of-insurance
  • Low amount of complaints


  • No gap coverage for high-risk drivers

GEICO is a popular choice for cheap car insurance for accidents, inexperienced drivers, and other high-risk people because its prices are usually lower than average.

Bristol West

Providing insurance to high-risk drivers since 1973, Bristol West has an A.M. Best rating of A.


  • Will work with drivers that have poor credit, no driver history, DUIs, and other high-risk behaviors
  • Rideshare coverage


  • High number of complaints
  • Rideshare coverage unavailable in AK, MA, NJ, NY, WY, and NC

Bristol West specifically works with customers that other companies don’t want to insure. It has a higher complaint rating, but its rating is lower than other high-risk insurance companies.

As a subsidiary of Farmers Insurance, Bristol West offers secure coverage.

The General

Another insurance company that works with high-risk drivers, The General also has an A.M. Best rating of A.


  • Convenient payment options
  • Low down payments


  • Inconsistent complaints
  • Minimal discounts and policy options

The General is great for people looking for cheap car insurance after accidents. They work with all types of high-risk drivers. However, if you’re not a high-risk driver, you’d be better off elsewhere.

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Is there auto insurance that doesn’t check driving records?

No, all car insurance companies look at your driving record. Generally, companies look at the last three years of your record, but some go back as far as ten years.

If you have something less than favorable in your record, like an accident, DUI, or a speeding ticket, they will eventually fall off. If you’re stuck with expensive auto insurance now, try reapplying once your record is clean.

If you’ve been putting in an effort to get your record cleared, a good place to start is auto insurance companies that only go back five years in your record. Compare quotes from companies like these before you buy auto insurance in order to get the best rates.

How to Find Cheap Auto Insurance After Accidents

If you find yourself stuck with the high-risk classification, the best thing to do is work at cleaning up your record. As stated before, most insurance companies consider the last three years of your driving record. If you can keep your record clean for that long, your accidents will eventually fall off.

Take these steps to lower your car insurance rates:

  • Speak with an insurance agent so they can help you find the best rates
  • Check insurance rates frequently
  • Follow all traffic laws

While your monthly payments will definitely increase, you still need insurance if you plan on driving. It might take a little more work to find the best insurance option for you, most major auto insurance companies that accept high-risk drivers will work with you.

Ready to find auto insurance companies that accept drivers with multiple accidents? Enter your ZIP code in our free tool to start looking at quotes.