Auto Insurance Companies That Accept Drivers With Multiple Accidents (2022)
It’s challenging to secure cheap auto insurance after an accident, as rates typically increase by 25% to 125%. In fact, there are affordable auto insurance companies that don’t accept drivers with multiple accidents due to their high-risk status. However, the top auto insurance companies that accept drivers with multiple accidents are USAA and GEICO.
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UPDATED: Oct 21, 2021
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- The top auto insurance companies that accept drivers with multiple accidents are USAA and GEICO
- Affordable auto insurance companies that don’t accept drivers with multiple accidents include Liberty Mutual and Allstate
- High-risk drivers pay 25% to 125% more for auto insurance, and accidents remain on your record for three to five years
The top auto insurance companies that accept drivers with multiple accidents are USAA and GEICO. An auto insurance company that doesn’t accept drivers with multiple accidents as affordably is Allstate.
However, if you keep getting auto insurance rates from companies that don’t accept drivers with multiple accidents, it’s likely because of your risk level.
Some drivers with multiple at-fault accidents on their record may need high-risk auto insurance.
Below, compare quotes from the leading providers who insure drivers with multiple accidents to secure your cheapest rates.
After comparing auto insurance quotes from companies that accept drivers with multiple accidents, remember to enter your ZIP code into our free tool above to compare quotes from the best providers near you.
What are the top auto insurance companies that accept drivers with multiple accidents?
If you have multiple accidents on your driving record, you’re considered a high-risk driver, and your insurance rates are higher than average.
According to the National Highway Traffic Safety Administration (NHTSA), in 2019, about 7 million car accidents occurred, or one every minute.
Accidents increase your insurance costs by an average of 46% and remain on your driving record for three to five years.
The more accidents you experience, the higher that percentage gets.
In the list below, compare the average annual rates from the top auto insurance companies after experiencing an at-fault accident:
- USAA Auto Insurance Company – $1,882.26
- GEICO Auto Insurance Company – $2,087.27
- Nationwide Auto Insurance Company – $2,401.86
- Progressive Auto Insurance Company – $2,976.77
- State Farm Auto Insurance Company – $2,985.70
- Liberty Mutual Auto Insurance Company – $3,688.57
- Travelers Auto Insurance Company – $4,235.91
- Allstate Auto Insurance Company – $4,246.02
The best auto insurance company that accepts drivers with multiple accidents is USAA. However, it’s only available to military personnel and their families.
USAA does increase your rates; however, the company provides cheap auto insurance after an accident compared to other insurers.
Other affordable auto insurance companies that accept drivers with multiple accidents include GEICO and Nationwide.
Both providers are available to all drivers and offer cheap auto insurance for accidents drivers accumulated over the years. But GEICO typically provides lower costs to teens and new drivers than Nationwide.
Unfortunately, there is no auto insurance that doesn’t check driving records during the underwriting process.
So you may come across affordable auto insurance companies that don’t accept drivers with multiple accidents because they’re too high-risk. Other places, like Travelers and Allstate, charge significantly higher than average rates that may be unrealistic for everyone to afford.
Ultimately, the best way to buy auto insurance from companies that accept drivers with multiple accidents is to comparison shop online.
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What is high-risk auto insurance?
If you keep receiving auto insurance quotes from companies that don’t accept drivers with multiple accidents, it may be because of your risk level.
Some people are considered high-risk to insurance companies. This means your accident and claim risk is increased, so your auto insurance quotes are more expensive.
The average cost of high-risk auto insurance is 25% to 125% higher than what safe drivers pay for insurance.
What is a high-risk driver? Anyone who meets one or more of the following conditions:
- DUIs, speeding tickets, or reckless driving
- Street racing
- Poor credit
- Multiple at-fault accidents
- Teens, new drivers, and senior drivers
- Experienced a coverage lapse
- Drivers of high-powered luxury vehicles
Some states use license points to score your driving violations; high scores also make you a high-risk customer.
Run your motor vehicle report (MVR) in order to be able to see your complete driving record.
You can’t buy auto insurance from companies that don’t accept drivers with multiple accidents. So, instead, look for a company that is more comfortable working with high-risk customers.
Where can you find affordable auto insurance for high-risk drivers from non-traditional insurers?
Places like Good2Go Auto Insurance Company and Freeway Auto Insurance Company work with drivers with poor driving records.
If no auto insurance company accepts you, you may need specialized high-risk coverage or SR-22 insurance. Or try your state’s high-risk insurance pool offered through the Automobile Insurance Plan Service Office.
How do you save money on high-risk auto insurance?
How can you avoid high auto insurance rates even with multiple accidents on your record?
First, shop around and see if you can secure cheaper rates elsewhere.
Next, consider signing up for a defensive driver course. Also, Look into accident forgiveness programs.
Some providers even forgive your most recent accident if you’re a new customer.
Finally, you should always practice safe driving techniques in order to try and avoid filing any more claims.
After three to five years, accidents are removed from your record if you don’t commit more violations.
Auto Insurance Companies That Accept Drivers With Multiple Accidents: The Bottom Line
You may be able to secure affordable auto insurance rates from companies like USAA and GEICO, even with multiple accidents on your driving record.
However, expect your rates to be 46% higher than what you’d pay if your driving history were clean.
If you struggle to find traditional coverage, look into agencies that specifically work with higher-risk customers.
Now that you’ve learned about auto insurance rates from companies that accept drivers with multiple accidents, compare quotes from the best providers in your area by entering your ZIP code into our free tool below.