Compare car insurance rates for drivers with an accident

Your driving history can affect auto insurance rates in different ways from one company to another. It’s a good idea to compare how each insurer’s car insurance rates stack up against the rest if you have a recent accident.

Average annual rate for drivers with an accident, by company

Comparing auto insurance rates after a crash shows how differently insurers treat accidents. For example, rates for car insurance from State Farm are less than 30% higher on average for drivers with an at-fault accident compared with a driver with a clean record. Meanwhile, our data shows rates for Geico and Farmers are close to 60% higher on average for drivers with a recent crash compared with our base profile.

Below you can compare average full coverage rates for 35-year-old drivers with a recent at-fault accident by company.

Average annual rate for drivers with an accident, by state

State regulators set limits on how much a company can increase your car insurance rates after a crash. Let’s say you caused an accident that resulted in $10,000 worth of damage. In some states, that could cause average annual rates to spike by $1,600 or more, while in other states the increase is far less.

For example, drivers in Rhode Island with full coverage policies and one recent at-fault accident paid $74 more per year, on average, than drivers with no accidents, which is just a 2% increase. Meanwhile, drivers in Utah paid $1,106 more per year, on average, after causing an accident than incident-free drivers, which is a 62% increase.

Here are the average full coverage rates for 35-year-old drivers with a recent at-fault accident by state:

Your rates will probably increase after an at-fault accident, so be sure to include the accident when you compare car insurance rates.

Why you can trust Lalrp: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. Our data analysts take stringent measures to eradicate outliers and inaccuracies in pricing data, including rates from every location in the country where coverage and data are available, so you can rely on the prices we present. When comparing car insurance rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.