Auto Insurance Companies That Accept Drivers With Multiple Accidents
Car insurance companies that accept drivers with multiple accidents offer policies for high-risk drivers other companies might shy away from. At-fault accidents raise insurance costs by an average of $569, but that doesn’t mean it’s impossible to find affordable auto insurance rates with companies that accept drivers with multiple accidents. Work on improving your driving record in order to lower your rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Mar 19, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
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: Mar 19, 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 insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- 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 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.
Read more: DUI Car Insurance
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 Violation | Increase in Insurance Rate |
---|---|
At-Fault Accident | $569 |
DUI | $971 |
Speeding | $353 |
Texting While Driving | $321 |
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:
Progressive
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.
Pros
- Snapshot safe driving program
- Rideshare and gap coverage
- Diminishing deductible
Cons
- 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.
Pros
- Lower-than-average rates for DUIs
- Drive Safe and Save program
Cons
- 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
Geico is another A++ company, according to AM Best, and they were a top scorer in JD Power’s Digital Customer Experience Study.
Pros
- Good rates for high-risk and young drivers
- Can provide SR-22 form for proof-of-insurance
- Low amount of complaints
Cons
- 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.
Pros
- Will work with drivers that have poor credit, no driver history, DUIs, and other high-risk behaviors
- Rideshare coverage
Cons
- 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.
Pros
- Convenient payment options
- Low down payments
Cons
- 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.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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.