Best Auto Insurance Without Penalties for No-Fault Accidents in 2025 (Top 8 Companies Ranked)

Amica Mutual is the top pick overall, with USAA and Geico also ranking among the best auto insurance without penalties for no-fault accidents. 

Our Top 8 Company Picks: Best Auto Insurance for No-Fault Accidents

These providers offer affordable full coverage auto insurance, with rates starting as low as $150 per month, depending on your driving history and available discounts.

Amica stands out for its customer satisfaction, zero rate hikes after not-at-fault claims, and strong coverage options. Compare no-fault insurance quotes to find the best deal based on your location and needs.

To find out if you can get cheap no-fault car insurance, simply enter your ZIP code into our free quote tool to quickly compare prices from various companies near you.

#1 – Amica Mutual: Top Pick Overall

Pros

• Rate Stability: Amica auto insurance review shows it’s one of the best auto insurance companies without penalties for no-fault accidents, with 0% premium increases post-claim for eligible drivers.
• Financial Return: As a mutual insurer, Amica pays out dividends up to 20% of annual premiums and also offers Amica accident forgiveness, making it a standout among no-penalty providers.
• Customer Confidence: Ranked #1 in customer satisfaction by J.D. Power, this recognition aligns with positive no-fault insurance reviews, supporting its lead status for handling no-fault claims fairly.

Cons

• Higher Rates: An Amica policy comes with many perks, but it also comes at a higher price. 
• Limited Availability: Most Americans are eligible for coverage from Amica, but you won’t be able to buy a policy if you live in Hawaii.

#2 – USAA: Best for Military Members

Pros

• Exclusive Forgiveness: USAA ranks among the best auto insurance companies without penalties for no-fault accidents, offering no rate hikes for first-time not-at-fault incidents.
• Military Support: Tailored for military families, USAA offers protections for deployment-related claims, making it one of the best insurance options for accidents, including those where you’re not at fault.
• Accident Forgiveness Program: The USAA auto insurance review shows it offers automatic forgiveness after five years of clean driving, even for no-fault claims.

Cons

• Eligibility Barrier: USAA isn’t available to civilians seeking the best auto insurance for people with accidents.
• Claim Restrictions: Some users report strict documentation requirements when proving not-at-fault status, which may delay resolution.

#3 – Geico: Best for Cheap Coverage

Pros

• Budget-Friendly Premiums: Geico offers affordable auto insurance for no-fault accidents, with average monthly full coverage rates starting around $150.
• Rate Stability After Incidents: Geico auto insurance review highlights that Geico often minimizes premium hikes after not-at-fault claims, preserving affordability for safe drivers.
• Nationwide Accessibility: Geico is one of the best auto insurance companies without penalties for no-fault accidents. It offers broad coverage options across all 50 states.

Cons

• Occasional Penalty Fluctuations: Despite being a top contender, Geico may still impose minor rate increases after multiple not-at-fault claims, averaging 2–4%.
• Basic Forgiveness Policy: Geico’s accident forgiveness is not automatic, making it less reliable among auto insurance companies without penalties for no-fault accidents.

#4 – State Farm: Best for Personalized Service

Pros

• Zero Penalty Policy: State Farm leads among the best auto insurance companies without penalties for no-fault accidents, with a 0% premium increase.
• Policyholder Favoritism: According to our State Farm auto insurance review, drivers with clean records benefit from personalized attention and steady premiums, even after no-fault claims.
• Accident Forgiveness Advantage: State Farm’s built-in accident forgiveness makes it a top choice for those seeking no penalty for not-at-fault events.

Cons

• Not Available to All: Although it’s one of the best auto insurance companies for no-fault accidents, coverage and policies can vary significantly across no-fault insurance states and other regions.
• Slow Claims Processing: Some policyholders report claim delays, despite its no-penalty policy for no-fault claims.

#5 – Progressive: Best for Drivers on a Budget

Pros

• Snapshot Discount Advantage: Progressive rewards safe driving with usage-based savings of up to 30% with its Snapshot.
• Strong Online Tools: Recognized among the best auto insurance companies without penalties for no-fault accidents, their Name Your Price tool helps customize coverage to avoid overpaying post-claim.
• First-Claim Forgiveness: Our Progressive auto insurance review shows it’s one of the best auto insurance companies without penalties for no-fault accidents, thanks to first-incident accident forgiveness.

Cons

• Higher Rate Impact on Repeats: Despite being one of the best auto insurance companies without penalties for no-fault accidents, second claims can still cause rate hikes, even if not your fault.
• Average Penalty Presence: Progressive averages a 16% premium increase post-accident, making it less lenient among auto insurance companies without penalties for no-fault accidents.

#6 – Allstate: Best for Claims Satisfaction

Pros

• Accident Forgiveness Perk: Allstate stands out as one of the best auto insurance companies without penalties for no-fault accidents due to its accident forgiveness program, which can protect rates.
• Low Average Penalty: With just a 4% rate hike,  Allstate auto insurance reviews rank it among the best auto insurance companies without penalties for no-fault accidents.
• Claim Reputation: Allstate’s smooth claims process makes it a solid pick for cheap no-fault auto insurance without penalty.

Cons

• Not Always Zero Penalty: Even though it’s one of the best auto insurance companies without penalties for no-fault accidents, minor rate increases may still apply depending on the state or claim details.
• Higher Base Rates: Allstate’s higher rates are offset by its reputation for having the best insurance for high-risk drivers with no-fault accident leniency.

#7 – Erie Insurance: Best for Customer Service

Pros

• No-Fault Premium Stability: Among the best auto insurance companies without penalties for no-fault accidents, Erie has a reputation for not increasing rates after non-fault claims.
• Customer-First Claims Handling: Known for exceptional claims satisfaction, Erie supports customers through no-fault incidents with a 90% retention rate post-claim.
• Transparent No-Fault Policies: An Erie auto insurance review highlights that the company’s policy terms clearly outline how no-fault claims are handled without penalizing drivers, helping build long-term trust.

Cons

• Limited Geographic Availability: Erie is among the top insurers with no penalties for no-fault accidents, but drivers in most states—especially those not having car insurance—can’t access its coverage.
• Fewer Digital Support Tools: While handling claims well, Erie lacks the modern digital claim-filing tools that some competitors offer for no-fault situations.

#8 – Liberty Mutual: Best for Discount Options

Pros

• Rate Forgiveness Advantage: Liberty Mutual is one of the best auto insurance companies without penalties for no-fault accidents. It offers optional accident forgiveness that prevents premium hikes.
• Bundled Savings Protection: Liberty Mutual auto insurance review shows that discount programs apply even after a no-fault accident, helping customers maintain affordability post-incident.
• Nationwide Reach: Liberty Mutual’s broad availability ensures more drivers can access no-penalty policies for no-fault accidents across the U.S.

Cons

• Forgiveness Not Standard: Despite being one of the best auto insurance companies without penalties for no-fault accidents, Liberty Mutual’s forgiveness policy requires additional purchase in many states.
• Inconsistent Rate Response: Premiums may rise after no-fault claims in states without forgiveness, making cheap car insurance for no-fault harder to maintain.

Auto Insurance Rates by Gender for No-Fault Accidents

Full coverage auto insurance monthly premiums for no-fault accidents vary by provider and gender, with Amica offering the most affordable auto insurance premiums at $150 for males and $145 for females.

USAA follows closely, providing rates of $160 and $155, respectively, making both strong contenders among the best auto insurance companies without penalties for no-fault accidents. Geico remains competitive with rates of $170 for males and $165 for females, while State Farm offers a balance of service and affordability at $180 and $175.

Full Coverage Auto Insurance Monthly Rates for No-Fault Accidents

On the higher end, Liberty Mutual presents the most expensive rates at $220 for males and $215 for females, despite its discount programs. Erie also trends high with $210 and $205 rates, though it’s known for superior customer service.

Progressive and Allstate fall in the mid-range, with Progressive at $190/$185 and Allstate at $200/$195, though both have been noted for modest premium increases even after no-fault claims, as highlighted in many no-fault insurance explanations.

Auto Insurance Rates by Driving Record for No-Fault Accidents

Auto insurance rates vary by provider and record, with USAA offering the lowest premiums, $84 clean, $111 post-accident, making it a top choice among the best auto insurance companies without penalties for no-fault accidents. Geico and State Farm stay affordable, while Liberty Mutual, Allstate, and Farmers see higher post-accident hikes.

Full Coverage Auto Insurance Monthly Rates by Provider & Driving Record

A not-at-fault accident means you didn’t cause the crash. In no-fault states—such as those included in the list of no-fault car insurance states—like Florida and New York, you must file a claim with your own insurer. That’s why having coverage from the number one insurance company in the USA is crucial, as inadequate protection can leave you financially vulnerable.

In contrast, the 38 tort states hold the at-fault driver’s insurance responsible for damages. While drivers in no-fault states file claims with their own insurer, some tort state insurers may still raise rates or charge fees. Reviewing auto insurance for different types of drivers helps clarify how policies vary by situation.

Get Best Auto Insurance Rates With No Penalties for No-Fault Accidents

Based on rate data and policy leniency, USAA, Amica, and Geico offer the best auto insurance without penalties for no-fault accidents. USAA leads with the lowest rates, at $84 clean and $111 post-accident, followed by Amica, at $150 for males and $145 for females, and Geico, at $114 clean and $189 after an accident.

These providers offer top value with minimal rate hikes, making them ideal for drivers seeking affordable, no-penalty coverage across various types of auto insurance, including liability, collision, and comprehensive plans.

Enter your ZIP code into our free auto insurance quote comparison tool to compare rates from the top car insurance providers for no-fault accidents near you.