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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Oct 19, 2021

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The Short of It

  • The top auto insurance companies that give you a break five years after an accident are USAA and GEICO
  • Most auto insurance companies remove at-fault accidents from your record after five years
  • A single accident increases auto insurance rates by an average of $80 per month

A single at-fault accident increases insurance rates by $80 per month on average. But USAA and GEICO are two of the top auto insurance companies that give you a break five years after an accident.

Learn how having accidents on your record impacts your auto insurance rates and discover what companies clear your driving record after five years.

After comparing auto insurance quotes from companies that give you a break five years after an accident, remember to enter your ZIP code into our free tool above to receive rates from the top providers near you.

What are the best auto insurance companies that give you a break five years after an accident?

Technically, you won’t find any affordable auto insurance companies that don’t give you a break five years after an accident unless you’re an incredibly high-risk driver.

Traditionally, most providers remove at-fault accidents from your driving record three to five years after the incident.

The following list compares annual rates from affordable auto insurance companies that give you a break five years after an accident:

The rates above reflect the average annual cost those providers charge after a driver experiences a single at-fault accident.

In most states, USAA is the cheapest auto insurance company that gives you a break five years after an accident. However, USAA only serves military personnel and their families.

Fortunately, GEICO offers comparable rates to USAA and is available to everyone. Plus, GEICO typically offers lower quotes for teens and younger drivers.

Ultimately, the best way to buy auto insurance from companies that give you a break five years after an accident is by comparison shopping.

Request rates from multiple providers and pick the one that fits your budget without compromising your coverage needs.

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How does your driving record impact your auto insurance rates?

Your driving record heavily influences your auto insurance costs. Some driving infractions are so severe, like DUIs or fatal accidents, that your insurer may choose not to renew your policy.

If you’re ticketed for any driving-related infraction, including speeding, traffic violations, DUIs, and reckless driving, expect your rates to go up at the time of your policy renewal and remain high for at least three years.

According to the National Highway Traffic Safety Administration (NHTSA), a car accident occurs in the U.S. every 60 seconds.

The average increase after an at-fault accident comes out to be around $80 per month, which is $960 annually.

But because the rate increase lasts for three to five years, you’re potentially paying $4,800 more as a result of your accident. However, the average increase by company varies drastically.

So if you’re struggling to even get auto insurance rates from companies that don’t give you a break five years after an accident, it could be because of your risk level.

People with too many accidents, DUI charges, or traffic citations sometimes struggle to find traditional insurance coverage. In this case, you may need high-risk or SR-22 insurance.

If you use an auto insurance company that doesn’t give you a break five years after an accident, then consider shopping around for new coverage.

How can drivers with an accident on their record save money on auto insurance?

The easiest way to decrease your insurance rates is driving safely. Plus, if you avoid filing claims for several years, you could even earn some stackable discounts.

Auto insurance companies that give you a discount for safe driving include all major providers besides The Hanover.

Besides a safe driver discount, ask about other auto insurance discounts you can earn. Some standard deals include:

  • Good student discount
  • Group or membership discount
  • Homeowner discount
  • Low-mileage discount
  • Loyalty discount
  • Military discount
  • Multi-car discount
  • Multi-policy discount

Anti-theft and safety devices on your vehicle may also earn you savings, so inform your provider about any technology installed on your car.

If your driving habits improve, consider a usage-based insurance or pay-per-mile program.

However, know that some companies increase rates if you drive poorly during the evaluation period.

Remember, if you do buy auto insurance from companies that don’t give you a break five years after an accident to your satisfaction, then you can easily switch providers.

Auto Insurance Companies That Give You a Break Five Years After An Accident: The Bottom Line

Most insurance companies remove accidents from drivers’ records within three to five years.

If during that time you practice good driving techniques, you may even earn a safe driving discount.

But if you keep getting auto insurance quotes from companies that don’t give you a break five years after an accident because of your risk level, you may need specialized insurance.

Now that you’ve learned about auto insurance rates from companies that give you a break five years after an accident, enter your ZIP code into our free comparison tool below to receive rates from reputable providers near you.