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Discover the Best Car Insurance Companies for Someone With an At-Fault Car Accident in 2022

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 22, 2021

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Key Takeaways

  • State Farm provides the lowest rates for one at-fault accident
  • Car insurance companies offer discounts for safe driving
  • Vehicle safety ratings can affect your car insurance rates

Are you concerned about how an accident might affect your car insurance rates? Unfortunately, your rates will increase more after one accident than if you get a speeding ticket. However, it is still possible to find cheap car insurance after getting into an accident.

While USAA has the lowest rates for a driver with a clean driving record or one speeding ticket, State Farm has the lowest rates for people that have been in an at-fault accident. Additionally, you can lower your rates by combining various discounts.

Knowing the best car insurance companies for one at-fault car accident will help you find the best coverage for an affordable price.

Before learning about the best car insurance companies for one at-fault car accident, enter your ZIP code to compare free auto insurance quotes in your area.

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

Car insurance companies consider your driving record when determining rates. Drivers that get into an at-fault accident will experience higher rates because someone with a poor driving record is riskier to insure.

Companies also differ in how they view your driving record. For example, some companies consider a driving violation less harmful than an accident, so your rates might not increase as much.

For this reason, you should compare the best car insurance companies’ rates for one at-fault car accident.

Comparing the best rates for one at-fault car accident will help you find the most cost-effective coverage. The following chart shows the annual full-coverage rates from the most popular car insurance companies by company and driving record:

Average Annual Full-Coverage Rates from the Best Car Insurance Companies for One At-Fault Car Accident by Company and Driving Record
CompanyAverage Annual Rates for Drivers with a Clean RecordAverage Annual Rates for Drivers with One Speeding TicketAverage Annual Rates for Drivers with One Accident
Allstate$1,921$2,519$2,752
GEICO$1,405$1,734$1,971
Nationwide$1,485$1,734$1,745
Progressive$1,509$1,826$2,231
State Farm$1,457$1,590$1,675
USAA$1,225$1,463$1,742
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When comparing this list of high-risk auto insurance companies, USAA has the lowest rates for a clean driving record and one speeding ticket. However, there is a significant increase in rates when it comes to one accident.

Alternatively, State Farm has higher rates for those with a clean driving record or one ticket, but the cheapest rates for those with one at-fault accident. This fact makes State Farm the best option for cheap car insurance for accidents drivers might cause.

What factors impact car insurance rates?

Car insurance companies use various factors to determine insurance rates. Generally, riskier drivers will receive higher rates because they’re more likely to require a payout. These factors include driving habits and lifestyle traits, among others.

Insurance companies consider males and young drivers riskier, resulting in higher rates. These factors are beyond the driver’s control. However, other factors are within your control. Knowing these impacts will allow you to lower your car insurance rates.

Insurance companies use your driving record, claims history, and the number of miles driven to determine car insurance rates. Avoiding accidents and filing claims will help you find the most affordable rates.

The amount of coverage you carry will also impact your rates. Each state requires a minimum amount of coverage to drive legally. Reducing your policy to that minimum will result in lower rates. However, it can create problems if you’re in an at-fault accident.

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

Many people consider rates to be the primary factor when choosing a car insurance company, but there are other things that you should consider. For example, some companies are better at dealing with claims and accidents than others.

Choosing a company known for dealing with claims and accidents will make the process easier should you run into that situation. Two ways of comparing the customer satisfaction of car insurance companies are by looking at their A.M. Best ratings and complaint levels.

The following chart shows the car insurance rates, A.M. Best ratings, and complaint levels of popular insurance companies. A.M. Best ratings determine the likelihood that you’ll receive a payout when filing a claim, and complaint levels indicate customer satisfaction.

The Best Car Insurance Companies for One At-Fault Car Accident by Company, Rates, A.M. Best Ratings, and Complaint Level
CompanyCar Insurance RatesA.M. Best RatingComplaint Level
AllstateHighA+ (Superior)Low
FarmersHighA (Excellent)High
GEICOAverageA++ (Superior)Low
NationwideAverageB+ (Good)Low
ProgressiveAverageA+ (Superior)Average
State FarmLowA++ (Superior)Low
TravelersAverageA++ (Superior)Low
USAALowA++ (Superior)Average
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As you can see, State Farm has the best combination of low rates, A.M. Best ratings, and complaint level. This blend of factors indicates that State Farm customers will receive the best customer service, in addition to the lowest rates after an accident.

Conversely, Farmers Insurance has the worst combination of high rates and a high complaint level. This combination shows that Farmers customers are likely to have a more challenging experience when filing a claim after an accident.

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

As previously mentioned, various factors go into determining car insurance rates. While these factors can increase your rates, combining discounts can offset high prices. Some discounts can be applied right away, but others might take some time.

Some discounts are available for specific people, such as military personnel and veterans. However, other discounts are available for everyone. Taking advantage of these saving opportunities will lower your rates to a more reasonable level.

Whether you’re looking for your first car insurance policy or are changing companies, there are specific steps that you should take. The following steps will help you find the best affordable car insurance companies for one at-fault car accident:

  • Talk to insurers about coverage options
  • Shop around
  • Ask about all potential discounts

The discounts offered by car insurance companies depend on the type of car you own, vehicle safety mechanisms, how often you drive, and your lifestyle. Here are some of the most popular discounts to lower your rates.

Discounts from the Best Car Insurance Companies for One At-Fault Car Accident
Car Insurance DiscountDiscount Eligibility
Accident-freeDrivers with no accidents in the past three to five years.
Anti-lock brakesCars with factory-installed anti-lock brakes.
Anti-theftCars include anti-theft devices, like alarms, tracking systems, and kill switches.
Defensive drivingCompleted approved defensive driving course.
Good studentHigh school or college students with at least a 3.0 grade point average.
HomeownerInsured own a single-family home.
Low mileageDriving 5,000 to 15,000 miles per year.
Multi-car policyInsure more than one car on a single car insurance policy.
Multi-policyBundling different types of insurance.
Paid in fullPolicy is paid in one payment.
Safe driverDisplay safe driving habits, like having passengers wear seatbelts, low driving speeds, and less aggressive driving.
Student away at schoolCollege-aged children who attend college over 100 miles away and leave their car at home.
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As you can see, some of these discounts, like accident-free and low mileage, take time to obtain. However, you can get anti-lock brakes, anti-theft, and paid-in-full discounts relatively quickly.

In addition to these discounts, some car insurance companies offer accident forgiveness. This benefit keeps your rates from increasing if you have a good driving record. If you don’t have accident forgiveness, you might want to find a company that provides this benefit.

According to the Insurance Information Institute, safety ratings are another common way of determining car insurance rates. You can find these ratings online, and some companies provide discounts for vehicles with high safety ratings.

What are some other ways to get affordable car insurance after an accident?

Comparing rates and combining discounts are the best ways to get affordable coverage. However, there are some other ways that you can lower your rates.

  • Change Your Deductible: A higher deductible increases the chances that the company will receive the full payment.
  • Improve Your Credit Score: Companies determine that customers with higher credit scores are more likely to make timely payments.
  • Decrease Your Coverage: Car insurance rates depend on the amount of coverage, so fewer protections result in lower rates.

While changing your deductible and improving your credit score is good, you should avoid decreasing your coverage if possible. Instead, shopping around for coverage is a safer way of finding affordable coverage.

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What is accident forgiveness from the best car insurance companies for one at-fault car accident?

As previously mentioned, some companies that provide high-risk car insurance offer accident forgiveness. This benefit allows policyholders to have one at-fault accident within a specific timeframe.

One at-fault accident raises rates by an average of 48% without accident forgiveness. As a reward for customer loyalty, accident forgiveness allows you to avoid this increase. However, most companies only allow you to use the benefit once every three to five years.

Car insurance companies typically offer accident forgiveness as a paid program, a reward for loyalty, or a combination of the two. The following are the three ways in which companies offer accident forgiveness to customers.

  • Paid insurance product: Some companies provide accident forgiveness as an add-on option.
  • Customer loyalty recognition: Companies might recognize long-term customers and safe drivers with no-cost accident forgiveness.
  • Hybrid product and service: Some companies offer accident forgiveness as an add-on option to new and less safe customers and free forgiveness to long-term customers with a good driving record.

If an insurance company offers accident forgiveness as a paid product, you should include the cost when considering the best car insurance companies’ quotes for one at-fault car accident.

Accident forgiveness will keep your rates the same as long as you only get into one accident. However, drivers with multiple at-fault accidents will need to look into other options for affordable rates, like combining discounts.

Best Car Insurance Companies for One-At Fault Car Accident: The Bottom Line

An at-fault accident can significantly increase your car insurance rates. Fortunately, accident forgiveness and combining discounts will help you find affordable car insurance for high-risk drivers.

Comparing rates from various companies will help you find the best car insurance companies for one at-fault car accident.

Now that you know about the best car insurance companies for one at-fault accident, enter your ZIP code to get free auto insurance quotes in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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