Finding cheap auto insurance after causing an accident can be a tedious process. There are dozens of companies that offer accident forgiveness car insurance policies, and each takes a different approach to calculating premiums.
Although your current provider may have increased your rates after you were involved in a collision, some carriers are more forgiving than others. Since there are so many drivers who have an accident on their record, many insurance companies now offer low cost auto insurance through their accident forgiveness insurance program.
To help you save time, our Geeks compared the auto insurance rates of nine top providers to find the most affordable car insurance after an accident in each state. The table below summarizes our findings:
|State||Cheapest Insurer||Monthly Premiumestimated|
|Alabama||Allstate||$166/month||Get a Quote|
|Alaska||State Farm||$113/month||Get a Quote|
|Arizona||State Farm||$170/month||Get a Quote|
|Arkansas||State Farm||$129/month||Get a Quote|
|California||Esurnace||$191/month||Get a Quote|
|Colorado||State Farm||$119/month||Get a Quote|
|Connecticut||State Farm||$121/month||Get a Quote|
|Delaware||Geico||$/month||Get a Quote|
|Florida||Geico||$/month||Get a Quote|
|Georgia||Geico||$/month||Get a Quote|
|Hawaii||State Farm||$90/month||Get a Quote|
|Idaho||State Farm||$75/month||Get a Quote|
|Illinois||State Farm||$104/month||Get a Quote|
|Indiana||State Farm||$106/month||Get a Quote|
|Iowa||State Farm||$89/month||Get a Quote|
|Kansas||State Farm||$114/month||Get a Quote|
|Kentucky||State Farm||$131/month||Get a Quote|
|Louisiana||State Farm||$221/month||Get a Quote|
|Maine||State Farm||$87/month||Get a Quote|
|Maryland||State Farm||$240/month||Get a Quote|
|Massachusetts||Plymouth Rock Assurance||$117/month||Get a Quote|
|Michigan||Progressive||$301/month||Get a Quote|
|Minnesota||State Farm||$128/month||Get a Quote|
|Mississippi||State Farm||$138/month||Get a Quote|
|Missouri||State Farm||$126/month||Get a Quote|
|Montana||State Farm||$86/month||Get a Quote|
|Nebraska||State Farm||$71/month||Get a Quote|
|Nevada||State Farm||$204/month||Get a Quote|
|New Hampshire||Geico||$/month||Get a Quote|
|New Jersey||Geico||$/month||Get a Quote|
|New Mexico||State Farm||$108/month||Get a Quote|
|New York||Progressive||$192/month||Get a Quote|
|North Carolina||Progressive||$106/month||Get a Quote|
|North Dakota||State Farm||$91/month||Get a Quote|
|Ohio||State Farm||$105/month||Get a Quote|
|Oklahoma||State Farm||$131/month||Get a Quote|
|Oregon||State Farm||$158/month||Get a Quote|
|Pennsylvania||State Farm||$106/month||Get a Quote|
|Rhode Island||Geico||$/month||Get a Quote|
|South Carolina||State Farm||$151/month||Get a Quote|
|South Dakota||State Farm||$93/month||Get a Quote|
|Tennessee||State Farm||$118/month||Get a Quote|
|Texas||State Farm||$141/month||Get a Quote|
|Utah||Progressive||$159/month||Get a Quote|
|Vermont||State Farm||$122/month||Get a Quote|
|Virginia||State Farm||$96/month||Get a Quote|
|Washington||Geico||$/month||Get a Quote|
|Washington, D.C.||State Farm||$155/month||Get a Quote|
|West Virginia||State Farm||$107/month||Get a Quote|
|Wisconsin||State Farm||$114/month||Get a Quote|
|Wyoming||State Farm||$97/month||Get a Quote|
Our monthly estimated premiums are based on averages from male and female drivers in five zip codes within each state. The driver in our study was 29 years old and drove a 2014 Toyota Corolla 12,000 miles per year. The driver had a clean record from the past five years except for one recent at-fault collision that resulted in moderate property damage. Our estimates are based on a car insurance policy that includes 50/100/25 liability coverage and 50/100/25 uninsured motorist coverage.
Useful Car Accident Facts and Statistics
- There were 32,166 fatal accidents in the United States in 2015. Those accidents resulted in 35,092 fatalities.
- In 2015, 2,443,000 people were injured in motor vehicle collisions in the United States.
- Speeding contributed to 9,557 fatalities in 2015, which accounted for 27% of the total fatality count that year.
- In 2015, seat belts saved approximately 13,941 lives for people age 5 and older. Frontal air bags saved 2,573 lives for people age 13 and older.
- More than 11 million vehicles were involved in police-reported traffic accidents in 2015. About 96% of those vehicles were passenger vehicles.
- Although the number of speeding-related traffic fatalities has decreased since 2006, the percentage of traffic fatalities related to speeding has gradually increased.
- In 35 states, the number of traffic fatalities increased from 2014 to 2015.
Do Car Insurance Premiums Always Increase After An Accident?
No. Although auto insurance companies in most states will increase your premiums after a crash, providers that offer accident forgiveness policies do not always increase their rates after a single crash. Also, if you are insured in Oklahoma or California, it is illegal for your insurance company to increase your rates if you are involved in a collision and another driver is found to be at-fault.
How Can I Get My Car Insurance Rates Reduced After An Accident?
After a car accident, you may be able to get reduced rates by switching to a company that offers auto insurance with accident forgiveness. These policies are sometimes more lenient on drivers who have caused one collision that meets certain criteria. You may also be able to lower your premiums by maintaining clear accident and driving records for several consecutive years or by purchasing a vehicle that is cheaper to insure.
If I Switch To An Insurance Company With Accident Forgiveness, Will They Ignore My Recent Collision?
Not necessarily. A lot of companies will still acknowledge your collision and increase your rates accordingly. In most cases, accident forgiveness only applies if you sign up for the policy with no recent collisions, so if you’re involved in an accident before you apply for a policy, you might not save that much or anything at all.
If I Buy An Insurance Policy With Accident Forgiveness, Will I Still Qualify For A Safe Driver Discount After A Collision?
Many insurance providers offer a safe driver discount, which means your rates will be reduced if you avoid accidents, traffic citations, and DUIs for a predetermined period of time. However, even if your policy includes accident forgiveness, your company might disqualify you from the safe driver discount if you are involved in a collision.
If I Have A Policy With Accident Forgiveness, Can My Insurance Company Still Drop Me After A Collision?
Yes. If you are involved in a serious accident and your insurance provider determines that you are a high risk driver, they are under no obligation to continue providing coverage. They can drop you immediately or once your policy is up for renewal.