Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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 22, 2021

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Key Takeaways

  • Most car insurance companies will continue to offer you coverage even with multiple accidents
  • Drivers with multiple accidents can be labeled high-risk and pay very high rates
  • Take a defensive driving course to learn safe driving tips and lower rates

Car insurance companies are very concerned with how well you drive. If you get into accidents, you are riskier to insure and will be charged higher rates.

While finding car insurance companies that accept drivers with multiple accidents isn’t that hard, it can require you to shop around to get affordable car insurance for high-risk drivers.

Before you learn about car insurance companies that accept drivers with multiple accidents, enter your ZIP code to compare free quotes from companies in your area.

Which car insurance companies accept drivers with multiple accidents?

It’s no secret that your driving record is very important when it comes to car insurance rates. Insurance companies take car accidents very seriously. According to the National Highway Traffic Safety Administration, almost 40,000 people died in car accidents in 2020.

Drivers that have accidents on their record will pay higher rates than those that have a clean record.

This table shows you the average annual rates from the top companies for drivers with one accident.

Average Annual Car Insurance Rates for One Accident
CompanyAverage Annual Rates with 1 Accident
American Family$3,722.75
Liberty Mutual$6,204.78
State Farm$3,396.01
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USAA and GEICO are the cheapest car insurance companies if you have an accident on your record. It’s important to note that USAA only offers coverage to the military, veterans, and their families.

On average, one accident will raise your rates by about $80 a month. Rates from car insurance companies that accept drivers with multiple accidents will be much higher since you have more than one accident.

If you have a bad driving record, you can be listed as a high-risk driver and may have to get SR-22 coverage showing you are insured correctly.

How long are you considered a high-risk driver? You’re usually stuck with the high-risk label for three to five years depending on what state you live in.

Some car insurance companies specialize in offering insurance to high-risk drivers. That doesn’t necessarily mean they have the best car insurance for a bad driving record.

Quotes from car insurance companies that accept drivers with multiple accidents only will be much higher than from a traditional company.

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How can drivers with multiple accidents save money on car insurance?

Even if you have multiple accidents on your driving record, you can still save money on car insurance.

First, take a defensive driving class. Not only will it teach you some valuable safe driving tips, but you can also get a defensive driver car insurance discount to help bring down those rates.

Second, see what other car insurance discounts that are available to you. Since not all discounts depend on how well you drive, you should be able to find discounts in other categories like for the safety features on your car.

Third, consider usage-based car insurance. While it does still look at your driving record, it’s usually cheaper. You pay a base rate and then per mile that you drive each month.

Drivers with a bad driving record can also consider lowering coverage and raising deductibles to get lower rates. However, if you are in another accident, you will have to pay more out of pocket for damages.

Car Insurance Companies That Accept Drivers With Multiple Accidents: The Bottom Line

Since car insurance companies that don’t accept drivers with multiple accidents are hard to come by, the real challenge is finding cheap rates with a bad driving record.

Take a driving course, ask for discounts, and consider making changes to your coverage to lower your rates.

The best way to get low rates is to shop around. Compare rates and coverage from different companies to see who has the best deal for you.

Now that you’ve learned about car insurance companies that accept drivers with multiple accidents, enter your ZIP code to compare quotes from companies near you for free.