Cheapest Car Insurance Companies That Don’t Penalize for Small Accidents in 2023
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Dec 14, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Your first small accident can be covered by accident forgiveness
- Your driving record will always be a factor in your car insurance rates
- Accident forgiveness car insurance can be awarded immediately or after three to five years of good driving
Car accidents can happen to anyone. And the last thing anyone wants is to get into one small accident and not be covered by car insurance, or have their insurance rates go up as a result.
There are several types of car accidents, including hit-and-runs, reckless driving accidents, and drunk driving accidents. Each of these types of accidents can be classified as at-fault or no-fault.
Having too many accidents, whether at-fault or no-fault, can result in you becoming a high-risk driver and needing high-risk car insurance.
Both at-fault and no-fault accidents can be major or minor incidents. A minor incident, or small accident, is an accident that causes minimal damage to the vehicle and/or doesn’t disrupt the vehicle’s ability to operate.
You can discover quotes for car insurance companies that don’t penalize for small accidents in your area by typing your ZIP code into the free tool above.
Types of Car Insurance and Car Insurance Companies That Don’t Penalize for Small Accidents
The most common form of coverage for combatting small accidents is accident forgiveness. Accident forgiveness car insurance can be found as a perk or opt-in option with most standard car insurance companies.
Typically, accident forgiveness is only offered as a benefit after three to five years with a clean driving record.
|Car Insurance︃ Provider||Period Before Accident Forgiveness is Awarded||Period Before Accident Forgiveness Can be Purchased||How to Get Accident Forgiveness|
|Allstate||Immediate||Immediate||Optional Purchase/Premium Package|
|Farmers||3 years||Immediate||Optional Purchase|
|GEICO||3 years||Immediate||Optional Purchase|
|Liberty Mutual||5 years|
|Progressive||Immediate||Immediate||Optional Purchase/Premium Package|
|State Farm||9 years|
However, some car insurance companies, like Progressive, Nationwide, and Allstate, offer accident forgiveness immediately.
Accident Forgiveness Car Insurance
With most insurance companies, your first small accident can be covered by accident forgiveness. By definition, accident forgiveness is a car insurance protection that halts the increase of insurance rates after the first at-fault accident on the policy.
This means that if you share a policy, the accident forgiveness can only be used once amongst all members of the policy.
Accident forgiveness can prevent you from becoming a high-risk driver. A designation of high-risk driver can be determined through risky driving, a series of tickets, minor accidents, at-fault accidents, age, and/or additional factors in your driving history.
Whether you are a high-risk driver is typically determined by your last three to five years of driving, or lack thereof if you’re a new or teen driver.
Being a high-risk driver can mean higher car insurance rates, disqualification from certain benefits or discounts, and non-renewal of your car insurance policy.
However, one small, no-fault accident over three to five years most likely won’t increase your car insurance rates.
How do I find cheap car insurance for accident drivers?
If you’re a driver with one or more small accidents, you may be tempted to try to find auto insurance that doesn’t check driving records to avoid higher rates.
But no matter which car insurance company you choose, chances are your driving record will be reviewed, and you may be labeled as a high-risk driver.
However, you do have the option of some cheap car insurance companies, like GEICO, who won’t significantly raise your rates.
A number of affordable car insurance companies that don’t penalize for small accidents are available for customers to choose from. The best choice ultimately depends on what will benefit you.
If you’re interested in coverage as a preventive measure, accident forgiveness car insurance may be a good option for you.
If you feel you’ve already had one too many accidents or you’re labeled high-risk for some other reason, then companies like GEICO who won’t raise your rates too much are a good option.
Enter your ZIP code in the free tool below and find car insurance rates with companies that don’t penalize for small accidents in your area.
Frequently Asked Questions
- Find Cheaper Named Operator Policy Car Insurance Rates in 2023
- Will Geico Insure a Car Not in My Name? 2023
- What Is Covered in a Jeep Powertrain Warranty? 2023
- Cheapest Jeep Insurance Rates in 2023
- Do Trucks Cost More to Insure? 2023
- How Long Does a Dui Stay on Your Record? 2023
- Does the Porsche Club of America Offer Car Insurance? 2023
- View All Coverage Questions
Popular Rate Quotes
- Honda Accord Insurance
- Subaru Outback Insurance
- Volkswagen Jetta Insurance
- Nissan Rogue Insurance
- Honda Odyssey Insurance
- GMC Sierra Insurance
- Toyota Rav4 Insurance
- Honda CR-V Insurance
- Ford F-150 Insurance
Compare Rates and Save
Find companies with the cheapest rates in your area