Best Auto Insurance Companies That Don’t Raise Your Rates Because of Claims (2021)

While it's impossible to find auto insurance companies that don't raise your rate because of claims, affordable auto insurance can be had at any major insurance company via discounts. Of the auto insurance companies that do raise your rate because of claims, Progressive's average rate for an insurance policy is $104/month, and drivers can make use of discounts to save as much as 10% on their rates.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 8, 2021

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Things to Remember

  • Most auto insurance companies will attempt to raise rates after a claim
  • The cost of the claim will affect the increase of your rates
  • Drivers can shop online to find insurance companies that offer great discounts to keep rates low

Does some recent damage to your vehicle have you wondering how badly auto insurance claims raise rates as you begin the process of filing a claim?

If you’ve never had to file a claim or speak with a claims adjuster before, it’s not uncommon to be nervous and ask yourself questions like, “How do insurance companies investigate claims? Can insurance raise rates after claims have been filed?”

However, finding a company that doesn’t increase your rates after you’ve filed a claim is not possible. You may see increased rates with companies that raise your rate because of claims, but you can take steps to keep your rates from dramatically rising.

While you may not find auto insurance quotes for auto insurance companies that don’t raise your rate because of claims, you can shop online to find companies that offer cheap rates.

Though you can’t buy auto insurance from auto insurance companies that don’t raise your rate because of claims, enter your ZIP code to get free quotes from great companies near you today.

How Drivers Can Keep Rates Low After Filing a Claim

Does the cost of a claim affect insurance? Typically, yes, but auto insurance companies that do raise your rate because of claims, like Progressive, for example, offer their drivers ways to keep their insurance rates manageable.

When you buy auto insurance from auto insurance companies that do raise your rate because of claims, you can continually review your policy to make sure that not only is your coverage being updated as needed but also that every discount you qualify for has been added to your policy.

Just take a look at these car insurance discounts offered by the top insurance providers that can help you keep your rates low despite filing a claim:

Best Discounts by Insurance Provider
DiscountsThe General21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe HanoverThe HartfordTravelersUSAA
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakes
Anti-Theft
Claim Free
Continuous Coverage
Daytime Running Lights
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Electronic Stability Control
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehicle
Fast 5
Federal Employee
Forward Collision Warning
Full Payment
Further Education
Garaging/Storing
Good Credit
Good Student
Green Vehicle
Homeowner
Lane Departure Warning
Life Insurance
Low Mileage
Loyalty
Married
Membership/Group
Military
Military Garaging
Multiple Drivers
Multiple Policies
Multiple Vehicles
New Address
New Customer/New Plan
New Graduate
Newer Vehicle
Newly Licensed
Newlyweds
Non-Smoker/Non-Drinker
Occasional Operator
Occupation
On Time Payments
Online Shopper
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Recent Retirees
Renter
Roadside Assistance
Safe Driver
Seat Belt Use
Senior Driver
Stable Residence
Students & Alumni
Switching Provider
Utility Vehicle
Vehicle Recovery
VIN Etching
Volunteer
Young Driver
Discounts Provided #20212129271827263434323838353622302022382828

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Even more exciting is that most customers will be eligible for multiple discounts, in many cases.

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Where Drivers Can Find Insurance Companies With Good Discounts

One can only imagine how wonderfully low auto insurance rates for auto insurance companies that don’t raise your rate because of claims would be, but unfortunately, no insurance company is that forgiving.

While it’s impossible to find affordable auto insurance companies that don’t raise your rate because of claims, you can find great auto insurance and excellent discounts at any of these major insurance companies:

  • GEICO
  • Progressive
  • Allstate
  • Liberty Mutual
  • State Farm
  • Farmers
  • Safeco

How much do auto insurance rates go up after a claim? That depends on much your claim costs your insurance company, but if you work with any of the companies listed above, you’ll be in a great position to find ways to keep your rates low.

Auto Insurance Companies That Don’t Raise Your Rates Because of Claims: The Bottom Line

There are no insurance companies that won’t attempt to raise rates after a claim, but that being said, working with companies like Progressive and State Farm allows drivers to employ discounts to keep their rates from rising too much.

Now that you know the truth about auto insurance companies that don’t raise your rate because of claims, enter your ZIP code to get free insurance quotes from great companies near you.

Free Auto Insurance Comparison

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

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