Auto Insurance Companies That Give You a Break Five Years After an Accident (2022)

If you’re looking for auto insurance companies that give you a break five years after an accident, you’ll find most companies do so because car accidents typically fall off your record after three to five years. If you encounter auto insurance companies that don’t give you a break five years after an accident, you were probably involved in another accident or traffic incident. You’ll need to keep your driving record clean for the entire three to five years for your rates to drop.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 19, 2021

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A Concise Overview

  • Car accidents typically fall off your record after three to five years
  • Most auto insurance companies will give you a break on your rates five years after an accident because the accident will no longer be on your record
  • It’s essential to keep your driving record clean for the five years after the accident for your rates to drop

If you’ve been in a car accident at some point, you’re probably wondering how it affects your rates, whether you’ll see an increase in your full coverage auto insurance, and more.

Are there auto insurance companies that give you a break five years after an accident? What about ways to save? Are there car insurance companies that give you a discount for safe driving? What is the best way to get a reasonable price for your auto insurance?

Read this article for everything you need to know about auto insurance companies that give you a break five years after an accident.

You can save on your rates, whether it’s been five years after an accident or not, by comparing quotes from multiple companies. Get started right now by entering your ZIP code in the tool on this page to get your first free quote.

Do auto insurance companies give you a break five years after an accident?

Most insurance companies will give you a break on your rates five years after an accident because between three-and-five years after an accident, the incident will fall off your record.

Auto insurance companies that don’t give you a break five years after an accident usually make this decision because other incidents have been added to your record during the same timeframe.

If you’ve had a clean driving record for at least five years, not only should you see lower rates, but you may qualify for discounts; specifically, you may be eligible for a safe driver discount, which can save you up to 45% on your rates.

Take a look at this table for more on which companies offer a safe driving discount and how much you could save.

Safe Driver Discounts Available by Company and Amount Saved
Insurance CompanyOffers a Safe Driver DiscountAmount Saved with a Safe Driver Discount
21st CenturyYesNot Available
AAAYesNot Available
AllstateYes45%
American FamilyYesNot Available
AmeripriseYesNot Available
AmicaYes15%
Country FinancialNo-
EsuranceYes40%
FarmersYesNot Available
GEICOYes15%
Liberty MutualNo-
MetLifeYes12%
NationwideYes35%
ProgressiveYes31%
Safe AutoYes10%
SafecoYes20%
State FarmYes15%
The GeneralYesNot Available
The HanoverNo-
The HartfordYesNot Available
TravelersYes23%
USAAYes12%
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The best way to keep your rates low is to drive defensively, follow all posted traffic laws, and stay focused on the road. Keep reading for information on what happens to your rates with an accident.

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What happens if your auto insurance company doesn’t give you a break after an accident?

Driving record is a critical factor in determining your auto insurance rates.

If it’s been less than three to five years after an accident (or another traffic incident), your insurance will probably still be higher than the average rate for a driver with a clean record. And depending on the severity of the incident, you may even be considered a high-risk driver.

Risky behavior like speeding, getting in an at-fault accident, and driving while intoxicated can make you a high-risk driver in the eyes of insurance companies, which means a significant increase in your rates.

Take a look at this table to see how an accident, a ticket, and a DUI can affect your insurance rates.

Average Annual Auto Insurance Rates by Driving Record
Insurance CompanyAverage Insurance Rates with a Clean Driving RecordAverage Insurance Rates with One AccidentAverage Insurance Rates with One DUIAverage Insurance Rates with One Speeding Ticket
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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A single at-fault accident can raise your rates by an average of 31%, a DUI by an average of 61%, and a ticket by an average of 17%.

When you’re a high-risk driver looking for coverage, you’ll need to compare companies to ensure you’re getting the best coverage, and the first place to start is cost. As the information in the table indicates, some companies offer less expensive rates to high-risk drivers than others.

  • State Farm is the company with the lowest average percent increase in rates for drivers with an at-fault accident
  • Progressive is the company with the lowest average percent increase in rates for drivers with a DUI
  • American Family is the company with the lowest average percent increase in rates for drivers with a ticket

As a high-risk driver, your rates will increase, but one way to save and find cheap auto insurance is to compare quotes from multiple companies.

You can also look at company ratings and complaint records to get an idea of whether or not insurers have a good customer service track record.

Some drivers are too high risk for auto insurance companies to insure willingly. However, most states require an option to be available to high-risk drivers since auto insurance that meets minimum liability levels is necessary to drive legally.

If you’re not sure what organization offers high-risk insurance in your state, reach out to the Automobile Insurance Plan Service Office. Most states partner with this organization to ensure insurance is available to high-risk drivers.

Auto Insurance Companies that Give You a Break Five Years After an Accident: The Bottom Line

Most (if not all) auto insurance companies offer a break to drivers five years after an accident because car accidents fall off a driving record three to five years after an incident. The key is to keep your driving record clean after the accident.

With a clean driving record for at least five years, drivers may also qualify for a safe driver discount, saving up to 45%.

For high-risk drivers or drivers who haven’t reached the three-to-five-year mark, rates may be significantly higher than drivers with a clean record. But regardless of the situation, comparing rates is the best way to save.

Before you go, get started finding the best rates from auto insurance companies that give you a break five years after an accident by comparison shopping. Use your ZIP code in our tool to get your first free quote today.

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