Best Cheap Car Insurance After an Accident

State Farm offers the best and cheapest full coverage car insurance for drivers with accidents on their records at $1,091 annually, regardless of age. It also provides the lowest rates in 21 states.

Accidents can increase insurance rates when policies renew because they indicate a higher risk to insurers. Providers typically charge higher rates for three to five years after the accident, depending on its severity, the driver's location and company policies.

We analyzed top insurers to identify the best car insurance deals for drivers with an accident on record. Learn more about our methodology.

State Farm is the best and cheapest option for most drivers with at-fault accidents, with a MoneyGeek score of 89 out of 100 and an annual premium of $1,091 for full coverage. Travelers comes in second, scoring 88 and charging $1,506.

Find the best car insurance that suits your needs by comparing quotes from different providers. The table below can help you choose the right coverage — search for the best providers based on your age group and preferred type of coverage.

Also, MoneyGeek's car insurance calculator can show potential policy costs before entering your details into a quote tool.

State Farm is the most affordable car insurance provider in 21 U.S. states for drivers with an at-fault accident. The following table shows the cheapest insurer by state for minimum and full coverage policies.

To ensure you get the best full coverage option for your needs, explore the following sections for guidance on choosing the right policy. This will help you balance coverage and cost based on your situation.

Other factors include:

• Fault status
• Insurance provider
• Type of car
• Other infractions
• Injuries or severity of the accident

To save on premiums after an accident, use discounts and compare insurance options annually for better rates.

Full coverage costs increase by 24% on average after an at-fault accident, adding about $208 annually. Premiums often rise because insurers see drivers with poor records as higher risks.

A car accident typically stays on your record for three to five years, but this can vary depending on where you live, the severity of the accident and any other infractions involved.

For instance, an at-fault accident may be removed from your record if no major charges, like DUI or reckless driving, were added.

Most insurers base premiums on your driving history's past three to five years. This is why accident forgiveness is valuable, especially for teenage drivers seeking insurance.

Getting affordable car insurance after an accident is possible. Compare quotes, use available discounts and understand your coverage options to find a policy that fits your needs. Explore different providers to keep premiums low while ensuring you're adequately covered.

Check our frequently asked questions to get the answers about choosing the best car insurance after an accident.

MoneyGeek analyzes car insurance rates using data from hundreds of companies. We rely on data from the following independent agencies and reputable authorities:

• AM Best: Provides credit ratings and data analytics for insurance companies
• J.D. Power: Specializes in research, analytics and rankings within the insurance industry
• National Association of Insurance Commissioners (NAIC): Protects consumer interests by regulating insurers and providing data for informed decision-making
• Quadrant Information Services: An industry leader in car insurance pricing analytics, offering accurate comparative data

We keep our editorial policy and standards clear and straightforward for readers. Our writers focus on useful topics by researching and answering frequently asked questions. For accuracy, the MoneyGeek editorial team conducts research, edits, fact-checks and reviews each article throughout the process.