Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 29, 2021

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Key Takeaways

  • Some of the best car insurance companies for one at-fault car accident include Progressive, GEICO, USAA, State Farm, and American Family
  • Car insurance rates can increase an average of 57% after an accident
  • The best way to make sure you’re getting affordable car insurance after an accident is to compare companies

Car insurance companies determine rates based on many factors, but a driver’s driving record is important in estimating risk. If a driver has a bad driving record, their rates are likely to be higher than the rates for a driver with a clean record.

If you’ve recently been in an at-fault car accident, you should expect your rates to increase. Below, we’ve identified some of the best car insurance companies for one at-fault car accident.

If you’re looking to buy at-fault accident car insurance, enter your ZIP code into our free quote comparison tool above to get at-fault accident car insurance quotes.

What are the best car insurance companies for one at-fault car accident?

When you are in an accident or receive an infraction on your driving record, most car insurance companies will increase your rates. However, some will be more lenient than others. Below is a list of some of the cheapest car insurance companies for a driver with one at-fault accident.

Progressive

For at-fault accidents, in particular, Progressive has some of the smallest increases in rates compared to other companies.

Progressive Rates with One Accident by State
StateDriving RecordAnnual Premium
AlabamaClean record$4,019.60
AlabamaWith 1 accident$5,052.72
AlaskaClean record$2,740.77
AlaskaWith 1 accident$3,512.71
ArizonaClean record$3,156.01
ArizonaWith 1 accident$4,155.92
ArkansasClean record$4,579.61
ArkansasWith 1 accident$6,359.88
CaliforniaClean record$1,864.57
CaliforniaWith 1 accident$3,169.83
ColoradoClean record$3,665.41
ColoradoWith 1 accident$5,115.10
ConnecticutClean record$4,197.03
ConnecticutWith 1 accident$6,093.37
DelawareClean record$3,602.97
DelawareWith 1 accident$4,773.89
District of ColumbiaClean record$4,332.07
District of ColumbiaWith 1 accident$5,478.69
FloridaClean record$4,407.95
FloridaWith 1 accident$6,519.19
GeorgiaClean record$3,524.11
GeorgiaWith 1 accident$6,212.74
HawaiiClean record$1,649.25
HawaiiWith 1 accident$2,322.92
IllinoisClean record$2,915.60
IllinoisWith 1 accident$4,318.08
IndianaClean record$2,920.38
IndianaWith 1 accident$5,122.01
IowaClean record$1,925.97
IowaWith 1 accident$3,155.58
KansasClean record$3,828.81
KansasWith 1 accident$4,477.29
KentuckyClean record$4,580.31
KentuckyWith 1 accident$6,816.16
LouisianaClean record$6,223.20
LouisianaWith 1 accident$8,352.66
MaineClean record$2,920.77
MaineWith 1 accident$4,932.02
MarylandClean record$3,496.06
MarylandWith 1 accident$4,633.82
MassachusettsClean record$3,221.47
MassachusettsWith 1 accident$4,540.58
MichiganClean record$4,542.22
MichiganWith 1 accident$5,975.45
MississippiClean record$3,689.60
MississippiWith 1 accident$4,947.94
MissouriClean record$2,964.99
MissouriWith 1 accident$3,960.21
MontanaClean record$3,739.68
MontanaWith 1 accident$4,819.80
NebraskaClean record$3,195.31
NebraskaWith 1 accident$4,684.11
NevadaClean record$3,385.02
NevadaWith 1 accident$4,658.43
New HampshireClean record$2,315.49
New HampshireWith 1 accident$3,192.89
New JerseyClean record$3,414.48
New JerseyWith 1 accident$4,583.69
New MexicoClean record$2,697.09
New MexicoWith 1 accident$3,687.66
New YorkClean record$3,664.67
New YorkWith 1 accident$3,664.67
North CarolinaClean record$1,124.37
North CarolinaWith 1 accident$1,642.22
North DakotaClean record$3,346.29
North DakotaWith 1 accident$4,111.13
OhioClean record$2,963.60
OhioWith 1 accident$4,028.09
OklahomaClean record$3,763.08
OklahomaWith 1 accident$6,992.38
OregonClean record$2,737.08
OregonWith 1 accident$4,992.54
PennsylvaniaClean record$4,034.71
PennsylvaniaWith 1 accident$5,570.34
Rhode IslandClean record$4,267.49
Rhode IslandWith 1 accident$6,772.26
South CarolinaClean record$3,751.71
South CarolinaWith 1 accident$5,451.21
South DakotaClean record$3,237.82
South DakotaWith 1 accident$4,378.48
TennesseeClean record$3,221.09
TennesseeWith 1 accident$4,182.08
TexasClean record$4,066.61
TexasWith 1 accident$5,258.16
UtahClean record$3,241.33
UtahWith 1 accident$4,895.50
VermontClean record$4,397.96
VermontWith 1 accident$6,363.51
VirginiaClean record$2,134.67
VirginiaWith 1 accident$2,827.55
WashingtonClean record$2,600.49
WashingtonWith 1 accident$4,063.71
West VirginiaClean record$3,734.79
West VirginiaWith 1 accident$5,008.09
WisconsinClean record$2,864.87
WisconsinWith 1 accident$3,470.52
WyomingClean record$2,357.86
WyomingWith 1 accident$2,938.60
IdahoClean record$2,202.76
IdahoWith 1 accident$2,945.63
MinnesotaClean record$3,327.48
MinnesotaWith 1 accident$4,658.19

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Progressive is seemingly more lenient for more serious driving record infractions, such as accidents and DUIs.

GEICO

GEICO offers some of the cheapest rates in the industry. It tends to have lower increases for traffic violations.

GEICO Average Annual Auto Insurance Rates with One Accident
StatesAverage Annual Rates With a Clean RecordAverage Annual Rates With One Accident
Alabama$2,819.09$3,319.47
Alaska$2,510.61$3,541.27
Arizona$3,928.23$4,968.77
Arkansas$4,247.65$5,344.99
California$2,728.75$4,597.74
Colorado$4,723.09$5,431.34
Connecticut$4,964.26$6,130.79
Delaware$5,339.71$6,398.38
District of Columbia$5,526.28$6,624.38
Florida$6,417.39$7,700.66
Georgia$3,465.71$5,365.97
Hawaii$1,293.11$1,904.18
Idaho$3,374.66$4,240.80
Illinois$3,726.07$6,324.22
Indiana$3,174.79$4,664.15
Iowa$2,520.67$3,052.48
Kansas$3,467.53$4,037.61
Kentucky$5,911.23$7,724.51
Louisiana$4,753.81$7,221.89
Maine$2,210.41$2,997.40
Maryland$4,632.04$6,158.29
Massachusetts$2,844.83$4,241.04
Michigan$11,157.41$14,921.81
Minnesota$3,292.72$4,780.23
Mississippi$4,169.90$4,913.75
Missouri$3,512.16$3,963.68
Montana$3,925.25$4,642.32
Nebraska$2,777.66$3,132.35
Nevada$4,551.36$5,357.32
New Hampshire$2,265.09$3,081.27
New Jersey$4,287.07$7,126.18
New Mexico$3,463.83$4,561.93
New York$4,004.39$4,004.39
North Carolina$3,887.51$6,855.02
North Dakota$3,792.51$4,171.17
Ohio$2,689.12$3,250.76
Oklahoma$3,198.39$3,749.52
Oregon$3,840.80$5,180.49
Pennsylvania$3,813.11$4,497.16
Rhode Island$4,253.42$5,049.86
South Carolina$2,942.78$4,662.04
South Dakota$3,913.95$4,548.17
Tennessee$4,043.94$4,821.64
Texas$4,270.64$6,562.40
Utah$3,010.26$3,629.16
Vermont$2,647.25$3,493.62
Virginia$2,532.41$4,044.25
Washington$2,978.15$3,724.36
West Virginia$4,105.27$4,860.74
Wisconsin$3,121.09$4,288.02
Wyoming$3,787.57$4,507.89

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As a major car insurance company, GEICO tends to have many choices for policy customization and savings opportunities.

USAA

USAA also has some of the smallest percentage increases for drivers after an at-fault accident. However, they are only available to members of the military and their families. If you are part of this group, you may want to consider getting insurance specifically for military members.

State Farm

State Farm is another major car insurance company that has smaller increases for drivers with bad driving records. They also offer ways to save on your rates after accidents.

American Family

American Family doesn’t offer coverage to as many states as the above companies. However, they offer lower increases in rates for bad driving records. They also have accident forgiveness for drivers with their first at-fault accident.

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How does an at-fault accident affect car insurance rates?

Infractions on your driving record, including an at-fault accident, will increase your car insurance rates. However, how much your rates increase will depend on the company.

Average Annual Auto Insurance Rates by Driving Record
CompaniesClean Driving RecordOne Speeding CitationOne AccidentOne DUI
Allstate$2,647.26$3,019.61$3,493.62$3,601.03
Geico$1,412.77$1,740.86$2,353.00$3,276.21
Liberty Mutual$3,184.72$3,442.90$3,811.97$4,044.73
Nationwide$1,704.30$1,872.03$2,187.15$2,749.35
Progressive$4,397.96$5,167.34$6,363.51$4,939.75
State Farm$3,987.31$4,382.83$4,778.37$4,382.83
USAA$1,450.28$1,612.57$1,830.96$2,720.40

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Car insurance rates will increase by 57% on average after one accident, which equals about $783 more per year. However, the amount that your rates will increase depends primarily on which car insurance company your policy is from.

How can I get car insurance with a bad driving record?

Drivers with bad driving records, especially those who have been in at-fault accidents, will likely have to spend more time searching for affordable at-fault accident car insurance rates.

The best way to find at-fault accident insurance that will work for your budget is to get quotes from multiple car insurance companies. You may use a free online quote tool, such as the one above, or meet with an independent insurance agent.

If you are required to file an SR-22, some major car insurance companies may not be available for this type of coverage. Therefore, you may need to look for an insurance company that specializes in high-risk drivers, such as The General or Titan insurance.

What happens if both drivers are at fault in an accident? Accident fault determination rules may differ by state, but drivers may be able to recover money for damages depending on the percentage of fault. However, both drivers are likely to see increases in their car insurance rates.

How can I save on car insurance with a bad driving record?

One of the best and easiest ways to save on car insurance is to take advantage of discounts. Drivers with accidents on their record may not qualify for some discounts. However, some discounts can be applied for car safety features, good grades, and other qualifications.

You should also consider not filing a claim if you can pay for repairs to your vehicle in future incidents. Whenever you file a claim, your rates are likely to increase, so the less often you make claims, the less you will see increases.

Another option is to increase your deductible to pay less in monthly or annual rates. If you can afford to pay a higher deductible, it may save you money in the long run.

If you don’t have the greatest credit, improving your credit score could also help to decrease your car insurance rates. Drivers with lower credit scores are perceived as riskier for car insurance companies.

After an accident or other traffic violation, taking a defensive driving course can also help to improve your rates or earn you discounts on your car insurance policy.

The best way to save money on your car insurance after an at-fault accident is to compare companies. Enter your ZIP code into our free quote comparison tool below to find an at-fault accident car insurance company near you.