Auto Insurance Companies That Don’t Raise Their Rates (2022)
There are a handful of auto insurance companies that don't raise their rates after an accident, each of which offers accident forgiveness. Accident forgiveness is offered by some of the best auto insurance companies including GEICO, Liberty Mutual, and Progressive. For the auto insurance companies that do raise their rates, increases could be due to accidents, traffic violations, usage changes, or moving to a new area.
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UPDATED: Aug 25, 2021
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- Most auto insurance companies that don’t raise their rates offer accident forgiveness
- Auto insurance rates could increase due to accidents, driving infractions, or even an address change
- High-risk auto insurance is available but may still be subject to rate increases
When shopping for auto insurance, it may pay off to research auto insurance companies that don’t raise their rates. Auto insurance coverages can vary from company to company, so comparing companies could pay off.
Can car insurance companies raise rates? We’ll help explain why auto insurance companies raise their rates and how you can save on auto insurance, even as a high-risk driver.
Before learning more about auto insurance companies that don’t raise their rates, enter your ZIP code to get personalized rates from auto insurance companies near you in just a few clicks.
Auto Insurance Companies That Don’t Raise Their Rates
Auto insurance is an important tool designed to protect drivers in the event of an accident and other unfortunate incidents relating to their vehicle. Many insurers raise rates with each claim whether you’re at fault or not.
Car insurance rate increases can be overwhelming. In fact, many auto insurance providers offer good driver discounts that can be withdrawn if the insured gets into an accident.
In this case, not only do you lose your discount, but your auto insurance policy could also be subject to an increase in the total premium.
Why do auto insurance companies raise their rates?
Auto insurance companies most commonly increase rates because of claims or driving infractions. Claims are usually submitted after accidents with an accompanying police report.
Driving infractions or traffic violations are usually researched by the insurance company. Sometimes these violations might take a little time to appear on your driving report to affect your rates.
|Companies||Average Annual Rates with a Clean Record||Average Annual Rates With One Accident|
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As you can see above, auto insurance rates can take on a steep price increase resulting from a single accident. The more accidents a driver has, the more they should expect to pay for auto insurance.
While accidents and driving infractions are the most common reasons for an auto insurance rate increase, they aren’t the only reasons. The other top reasons for auto insurance rate increases include:
- Address change
- Occupation change
- Vehicle change
Where you live will likely have an impact on your auto insurance. If you live in a busy city, you’re at an increased risk of being exposed to an accident.
You would likely pay more for auto insurance in a city than in a suburban area. Our auto insurance calculator can help give you a better idea of what you should be paying.
Overall, changes to your lifestyle, occupation, or vehicle might call for an auto insurance rate increase, although the increase won’t be as notable as it would be for an accident or driving infraction.
How to Save on Auto Insurance if You’ve Been in Multiple Accidents
Auto insurance companies make you pay for being a high-risk driver. There are some affordable options for high-risk auto insurance if you shop around. Many auto insurance companies that raise their rates won’t offer insurance to high-risk drivers.
High-risk is a fairly subjective phrase. In short, each insurance company will treat accidents and driving infractions uniquely, so high-risk insurance factors might not be uniform according to the Insurance Information Institute.
|Companies||Average Rates With a Clean Record||Average Rates With 1 speeding violation||Average Rates With 1 accident||Average Rates With 1 DUI|
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For example, Progressive might be more costly for speeding violations than for a DUI, while Allstate is much harsher on those with the latter. The best companies for high-risk drivers will depend on the type and quantity of negative incidents.
Even the least safe drivers might want to know how to save on high-risk auto insurance. The cheapest auto insurance companies for high-risk drivers will most likely offer accident forgiveness.
If you’re wondering where to get a high-risk auto insurance policy, the companies below all offer some sort of accident forgiveness.
- Liberty Mutual
What is the cheapest auto insurance company listed above? Again, this will depend on many factors including your driving record heading into your new auto insurance policy.
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Auto Insurance Companies That Don’t Raise Their Rates: The Bottom Line
As a whole, there are very few car insurance companies that don’t raise their rates right now. Your best bet as a high-risk driver is to find a company that offers accident forgiveness.
While there aren’t many auto insurance companies that don’t raise their rates, that doesn’t mean you can’t save. Enter your ZIP to get instant rates from top auto insurance companies today.