Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 28, 2020

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Things to remember...

  • If you have an accident, you must have valid insurance at the time of the accident for an insurer to cover your claim
  • Some states allow insurers to deny third-party claims when the injured party was uninsured at the time of loss
  • If you file an accident claim with your insurer, the claim will be investigated before it’s settled
  • Changing auto insurance after an accident can be a good way to save money but don’t think that your new insurance company will not find out about your accident
  • If you cancel your policy after the accident, you can get another policy with the accident on your record
  • If the carrier has labeled you as the at-fault driver, you’ll pay a surcharge regardless of where you have insurance

You crash your car and immediately worry, am I still insured after an accident? If you’re currently covered by auto insurance for accidents, then yes, your coverage remains. Getting cheap auto insurance after an accident isn’t difficult when you know where to shop.

However, know that if you get insurance after a car accident, the company will not cover accidents from before the start of the policy. 

It’s better to avoid the consequences of getting caught driving without insurance. As long as you own your own car and have a driver’s license and an acceptable driving record, you’ll be able to find a carrier in the marketplace that will sell you cheap insurance after an accident.

If you are wondering how much does insurance go up after an accident with Geico versus how much auto insurance goes up with Progressive or Allstate or some other company, know that companies treat accidents differently depending upon a number of factors.

Consumers shopping for affordable insurance with an accident on their record should always compare rates with multiple carriers. You’ll be able to find coverage after a crash but our guide will help you find the cheapest auto insurance after accident.

Ready to secure cheap auto insurance after a car wreck? Enter your five-digit ZIP code into our FREE tool above to get started

What happens if you get insurance after an accident?

If you’re wondering can you get auto insurance after an accident, the answer is yes. Buying auto insurance after an accident will cover any future losses after you have an accident.

If you got into an accident and don’t have insurance, you can’t buy a policy following the accident in hopes of the insurer paying for the damages.

If you didn’t have insurance at the time of the accident, no insurer is going to backdate your coverage so that you have coverage at the time of the accident.

Backdating insurance coverage is against the law. Therefore, to be protected by an auto insurance policy you must already have insurance at the time of the accident. 

If you just got insurance and had an accident, your collision policy will cover you. For example, if you bought insurance the same day as the accident, as long as the paperwork was completed and submitted before the collision occurred you will be covered.

However, if you got into an accident during an insurance lapse, meaning your policy was not renewed, then you will not be covered by the insurance company.  

The insurance process after an accident is simple. Keep reading, we discuss how to claim auto insurance after an accident later on in this article. 

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The Cost of Being Uninsured At the Time of the Accident

While you can get insurance the same day as an accident, don’t expect it to cover your previous collision. What happens if you get auto insurance after an accident? Buying insurance after an accident will not cover a wreck that took place before the policy was purchased.

What happens after an auto accident without insurance? If you’re deemed at fault for a car crash and were uninsured at the time, you’re responsible for paying for damages out of pocket. 

Gallardo Law Firm explains the risks for uninsured motorists in more detail in the following video. 

According to the Insurance Information Institute, one out of every eight drivers is uninsured. If you let your coverage lapse or you never purchased a policy, being uninsured can cost you. 

In most states, when you don’t buy insurance you’ll be penalized. You could be assessed monetary fines or you could even be charged with a Class C misdemeanor that can later be upgraded to a Class B.

The following table shows penalties for getting caught drivinig without insurance by state.

Penalties for Driving Without Insurance by State
StateFirst Offense
AlabamaFine: Up to $500; registration suspension with $200 reinstatement fee
AlaskaLicense suspension for 90 days
ArizonaFine: $500 (or more); license/registration/license plate suspension for three months
ArkansasFine: $50 to $250; suspended registration/no plates until proof of coverage plus $20 reinstatement fee; court may order impoundment
CaliforniaFine: $100-$200 plus penalty assessments. Court may order impoundment
ColoradoFine: $500 minimum fine; 4 points against your license; license suspension until you can show proof to the DMV that you are insured. Courts may add up to 40 hours community service
ConnecticutFine: $100-$1000; suspended registration/license for one month (show proof of insurance) with $175 reinstatement fee
DelawareFine: $1500 minimum fine; license/privilege suspension for six months
FloridaSuspension of license and registration until reinstatement fee is paid and non-cancelable coverage is secured; $150 fee for first reinstatement
GeorgiaSuspended registration with $25 lapse fee and $60 reinstatement fee. Pay any other registration fees and vehicle ad valorem taxes due
HawaiiFine: $500 fine or community service granted by judge. Either license suspension for three months or a required nonrefundable insurance policy in force for six months
IdahoFine: $75; license suspension until financial proof. No reinstatement fee.
IllinoisFine: minimum of $500; License plate suspension until $100 reinstatement fee and insurance proof
IndianaLicense/registration suspension for 90 days to one year
IowaFine: $500 if in accident; Otherwise, fine: $250; community service in lieu of fine. Possible citation/warning if pulled over plus removal of plates and registration possible when pulled over without insurance and reissued upon payment of fine or completed community service, proof of insurance, and $15 fee; possible impoundment when pulled over
KansasFine: $300 to $1000 and/or confinement in jail up to six months; license/registration suspension; reinstatement fee: $100
KentuckyFine: $500 to $1000 fine and/or sentenced up to 90 days in jail; license plates and registration revoked for one year or until proof of insurance is shown
LouisianaFine: $500 to $1000; If in car accident, fine plus registration revoked and driving privileges suspended for 180 days
MaineFine: $100 to $500; suspension of license and registration until proof of insurance
MarylandLose license plates and vehicle registration privileges; pay uninsured motorist penalty fees for each lapse of insurance — $150 for the first 30 days, $7 for each day thereafter; Pay a restoration fee of up to $25 for a vehicle's registration
MassachusettsFine: $500 to $5000 fine and/or imprisonment for one year or less
MichiganFine: $200 to $500 fine and/or imprisonment for one year or less; license suspension for 30 days or until proof of insurance; $25 service fee to Secretary of State
MinnesotaFine: $200 to $1000 (or community service) and/or imprisonment for up to 90 days; License and registration revoked for no more than 12 months
MississippiFine: $1000; driving privileges suspended for one year or until proof of insurance
MissouriFour points against driving record; driver may be supervised; suspended until proof of insurance with $20 reinstatement fee
MontanaFine: $250 to $500 fine and/or imprisonment for no more than 10 days
NebraskaLicense and registration suspension; reinstatement fee of $50 for each; proof of insurance to remain on file for three years
NevadaFine: $250 to $1,000 depending on length of lapse; registration suspension — until payment of reinstatement fee and, depending on circumstances, an SR-22 (proof of financial responsiblity) if lapsed more than 90 days; reinstatement fee: $250
New HampshireNot a mandatory insurance state. Proof of insurance may be required as the result of a conviction, crash involvement, or administrative action. If you are required to file proof of insurance and vehicles are registered in your name, you will be required to file an Owner’s SR-22 Certificate of Insurance.
New JerseyFine: $300 to $1000; license suspension for one year; pay surcharges for three years in the amount of $250 per year
New MexicoFine: up to $300 and/or imprisoned for 90 days; license suspension
New YorkFine: up to $1500 if involved in accident plus $750 civil penalty; license and registration suspension – revoked for one year; suspension of license if without
insurance for 90 days; suspension lasts as long as registration suspension; Suspension of registration: equal to time without insurance or pays $8/day up to thirty days for which financial security was not in effect, $10/day from the thirty-first to the sixtieth day $12/day from the sixtieth to the ninetieth day and proof of security is provided. Or for the same time as the vehicle was operated without insurance.
North CarolinaFine: $50; registration suspension until proof of financial responsibility but 30-day suspension if in car accident or knowingly driving without insurance; $50 restoration fee plus license plate fee
North DakotaFine: up to $1500 and/or 30 days in prison; 14 points against license plus suspension; Proof of insurance must be provided for one year; license with a
notation requiring that person keep proof of liability insurance on file with the department. The fee for this license is $50, and the fee to remove
this notation is $50.
OhioLicense/plates/registration suspension until requirements are met and $100 reinstatement fee is paid; maintain special high-risk coverage on file with the BMV for three to five years; If involved in accident without insurance: all above penalties and a security suspension for two plus years and an indefinite judgment suspension (until all damages are satisfied)
OklahomaFine: $250; jail time up to 30 days; license suspension with $275 reinstatement fee. Police can seize license plates and assign temporary plates and liability insurance — in effect for 10 days and can also impound the vehicle. The cost of the temporary coverage is added to the administrative fee and any fines paid for plates to be returned. If car impounded, owner must also pay towing and storage fees.
OregonFine: $130-$1000 ($260 is the presumptive fine); If involved in accident — at least a one year license suspension; proof of financial responsibility required for three years
PennsylvaniaRegistration suspended for three months (unless lapse was for less than 31 days and vehicle not operated during that time); $88 restoration fee plus proof of insurance required to get it back; $500 civil penalty fee is optional in lieu of registration suspension plus $88 restoration fee — can only use this option once within a 12-month period
Rhode IslandFine: $100 to $500; license and registration suspension up to three months; reinstatement fee: $30 to $50
South CarolinaFine: $100-$200 or 30-day imprisonment; failure to surrender registration and plates when insurance lapses; license/registration suspended until proof of insurance plus $200 reinstatement fee
South DakotaFine: $100 and/or 30 days imprisonment; license suspension for 30 days to one year; filing proof of insurance (SR-22) with the state for three years from date of conviction. Failure to file proof will result in suspension of vehicle registration, license plates, and driver license.
TennesseePay $25 coverage failure fee within 30 days of notice; if not paid, then an additional $100 coverage failure fee with suspension or revocation of registration plus reinstatement fee of no more than $25
TexasFine: $175 to $350 fine; plus, pay up to a $250 surcharge every year for three years (may be reduced with certain requirements)
UtahFine: $400; license suspension until proof of insurance (maintained for three years) and $100 reinstatement fee
VermontFine: up to $500; license suspended until proof of insurance
VirginiaFine: may pay $500 Uninsured Motorists Vehicle fee to drive without insurance at your own risk. If this fee is not paid in lieu of insurance, all driving and vehicle registration privileges will be suspended until a $500 statutory fee is paid, proof of insurance is filed for three years, and a reinstatement fee (if applicable) is paid
WashingtonFine: Up to $250 or more
West VirginiaFine: $200 to $5000; license suspended for 30 days with reinstatement fees, unless there's proof of insurance and $200 penalty fee
WisconsinFine: up to $500
WyomingFine: up to $750 fine and up to six months in jail
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As you can see, driving unnisured it never worth it; the consequences are very real.

Criminal and civil penalties aren’t the only things that can affect you. If you have an uninsured loss and law enforcement arrives at the scene of the accident, it’s possible that your car will be impounded.

In some states, uninsured drivers who get into accidents that result in property damage or injury can be arrested at the scene. Remember, getting insurance right after an accident won’t help you. 

If you’re wondering, am I still insured after a claim, the answer is yes. A claim will not cancel your insurance coverage.

Similarly, if you’re wondering am I still insured after a write-off, or after your car is totaled, the answer is still yes. 

Fortunately, there are many options for auto insurance for those with accidents. 

Can you be penalized if you’re uninsured in a not-at-fault accident?

When you’re in an accident with a reckless driver and there’s no question that the other driver is at fault, don’t count on collecting from the other party for your damages.

In some states, insurance companies are legally allowed to deny a claim made by a third-party when the party who suffers damages doesn’t have insurance.

In some cases, you might be able to get away with filing a third-party auto insurance claim and collecting for your repairs and your medical bills. What is a third-party claim in auto insurance? It means filing your claim with the other driver’s insurance company, as that company is responsible for the damages. 

What you should know is that most insurance adjusters will use a database to check your insurance status when you’re filing the claim, even if you choose to handle it yourself without involving a carrier. If this happens, the adjuster could deny your claim if they see that your insurance doesn’t exist.

Can I cancel auto insurance after an accident?

Can you cancel and switch auto insurance after an accident? Yes, you can cancel auto insurance after an accident. 

But be sure that you never drive without insurance and that you always get the minimum auto insurance coverage required by the state.

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Can you switch insurance companies after you file an accident claim?

As long as your vehicle wasn’t totaled, you do still pay for auto insurance after an accident. 

If you have insurance and you file a claim against your policy to help pay for your expenses after an accident, the case will be assigned to an adjuster and investigated.

The adjuster will look at reports, assess the location of the damage, take statements, and interview witnesses to determine who is at fault for the accident.

The claim isn’t closed until the at-fault party has been declared and the settlement is paid out.

As long as you had coverage at the time of the accident, you’re free to switch carriers in the middle of the claims investigation before the case is even closed.

Most policyholders will wait to make the switch, but if you decide you want to move to another carrier right away, the insurer still has to pay the claim.

So, can you switch insurance after an accident? Yes, but you can switch insurance after a claim is filed, but it’s best to wait until the claim has been closed.

What happens if you’re the at-fault driver?

You may now be wondering, can you get insurance after an accident if you’re the at-fault driver? Yes, but it will not cover any pre-existing damages.

If the fault has been allocated and the carriers investigating agree that you were primarily to blame for the loss, the claim will be classified as an at-fault accident.

When you’re at-fault, the carrier can surcharge your premiums at your next renewal. You won’t see a change in your rates during the current term.

The accident surcharge will raise your rates and could even make you ineligible for receiving good driver discounts.

If you already have tickets and accidents on your record, there is a possibility that the carrier could non-renew your policy at the next term because of your points.

Can the new auto insurance carrier charge you if you’re at fault for the accident?

If you’re wondering how to get cheaper insurance after an accident, know that new carriers will look at your driving record. If you decide to switch to a new company, you aren’t free and clear of being charged for the accident.

There’s no rule that says only the carrier that pays out the claim is able to surcharge your rates when you have an accident.

Any company that sells you insurance is free to run your driving record and claims record. If they see the accident and it’s been declared at fault, they can surcharge you on the new policy.

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How much is an accident surcharge?

Accident surcharges vary by household. Companies who prefer to insurer excellent drivers might have larger surcharges than sub-standard carriers.

Some other factors that can play a role in the amount of your surcharge are:

  • State limits to auto insurance surcharges
  • Accident history and if you have other at-fault accidents
  • Your driving record and if you have moving violations
  • Your age, gender, marital status, and years of driving experience
  • The vehicle that you drive
  • Discounts for accident-free and good drivers

Whether you got insurance after an accident, or just got insurance and had an accident, you will always be able to find auto insurance when you qualify for a driver’s license.

If you’re having trouble finding a good policy at a good price, it’s best to use an online quoting system to compare rates. Enter your information and make sure that you disclose the accident.

Once you look over the instant quotes, choose the policy that’s best.

Don’t wait to get auto insurance quotes after an accident. Start comparison shopping now with our FREE online quote tool. Enter your ZIP code below to get started.

Can you cancel auto insurance after an accident?

You can cancel your auto insurance after an accident or at any time. However, if you apply to another company, your accident may cause higher rates.

  • After an accident or filing a claim, your auto insurance premium could potentially go up
  • You have the right to cancel your policy at any time
  • In most states, you are required to have minimum amounts of auto insurance

Auto insurance can be quite confusing after an accident. However, ensuring that you have the right types and amounts of coverage can protect you if you ever need to file a claim.

Regardless of whether you’ve been in a car accident, you should never cancel your auto insurance until you have coverage with a different company. Otherwise, you would be breaking the law.

Make sure you have appropriate coverage. Enter your zip code above to compare multiple quotes at once.

I was in an accident. Now what?

According to the Insurance Institute for Highway Safety, 51,872 vehicles were involved in accidents in 2018. Chances are that one day you will be in a car accident if you haven’t already. It’s better to know what to do after a car accident before one even occurs. The Co-operators provide great tips in the video below.  

It is important for you, your passengers, and any other involved parties to seek medical care immediately if it is necessary, without regard to how it will be paid.

The health and well-being of everyone involved should be a priority.

As soon as possible after the accident, you will need to notify your auto insurance carrier. Be prepared to describe the accident and the circumstances preceding it.

If available, you should also provide your carrier with the name of the responding law enforcement officer and the police report number. Your auto insurance carrier will help you officially file your claims for the accident.

Remember, buying a car after an accident is common is your vehicle is deemed a total loss. 

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Types of Auto Insurance Coverage

Now that you know you can switch auto insurance after an accident, let’s talk about basic auto insurance coverage.

Your auto insurance policy is like several mini-policies rolled into one. Together they can give you complete coverage so that you are protected no matter what calamity your car might befall. Here are the different coverage types:

Liability Insurance

Liability is the minimum type of insurance that most states legally require their drivers to have. Property liability covers the damages you cause to the property of others while bodily injury liability covers their medical or funeral expenses.

It is important to remember that liability only covers other parties for the damages you cause, it will not cover your losses.

Uninsured/Underinsured Motorist Insurance

Although insurance is a mandatory requirement in almost every corner of the nation, some drivers still ignore this requirement.

If you have uninsured motorist coverage, you are covered if you are hit by someone who has no insurance or if you are a victim of a hit-and-run accident.

Underinsured motorist coverage provides additional payments if the other party’s liability coverage does not pay for all of your damages.

Medical Payments/Personal Injury Protection

If you have medical payments coverage, also known as med pay or PIP for short, it will pay for your medical expenses, lost wages, and even hired help around the house that is needed due to your own injuries.

You can use this coverage regardless of who was at fault for the accident.

Collision Insurance

Collision is an optional coverage that pays for damages to your vehicle as a result of colliding with something else like a car, tree, or building. With this coverage, you select your deductible and your policy limits.

Comprehensive Insurance

Comprehensive coverage also requires you to choose a deductible and policy limits. However, it differs from collision coverage in that it covers other events such as the following:

  • natural disaster
  • fire, flood
  • theft
  • vandalism
  • hitting an animal

Read on to learn about GAP coverage.

GAP Insurance

If you lease your vehicle, you likely already pay for GAP insurance within your lease. If you have a financed vehicle, it is also wise to look into this coverage.

Since cars depreciate quickly, it is likely that you owe more on your loan or lease than your auto insurance company would give you if they determined that your car was a total loss after you filed a claim. GAP coverage will pay the difference in the amounts.

Will my auto insurance rates go up after I file a claim?

The answer to this question varies depending on your own driving record, your claims history, and the policies of your auto insurance company

In general, you can expect your auto insurance carrier to raise your rates after a claim if it meets a specific dollar amount and the accident was at least partially your fault.

In most cases, a claim will stay on your driving record for three years. So, when does auto insurance go down after an accident? Generally, around three years.

Each auto insurance company has its own limits and requirements for raising your rates, so a claim for one driver that will not raise his rates may be a claim that causes rates to go up with another insurance carrier.

Will my auto insurance go up after an accident?

Every company is different. Some companies may hike your rates sooner rather than later, while others may offer you accident forgiveness and not increase your auto insurance rates because of an accident at all. 

Of course, wondering how much insurance will go up for a minor accident or wondering how auto insurance for teenagers after an accident will increase are all complexities that will affect your situation. For example, auto insurance for teens after an accident could result in a license suspension and a hike in premiums. 

Generally speaking, your carrier and the state you live in will have the largest effect on what happens to your insurance rates after a car accident. Learn more about finding.

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Can you cancel your auto insurance after an accident?

As a consumer, you have the right to cancel your auto insurance at any time and for any reason. Some people cancel because they have found a cheaper policy, while others cancel because they no longer own their vehicle.

However, most require you to give written notice within a set timeframe. You should check with your auto insurance carrier on their specific requirements and policies. You don’t want to get into a car accident without insurance.

In most states, you are legally required to carry auto insurance at all times.

When you get quotes from other companies, you will be asked about your accident and claim history.

If you think your accident was recent enough that it may not show up on your driving record, keep in mind that you are required to tell the truth on an auto policy application.

Sooner or later the carrier could find out about your recent infraction and either raise your rates or drop you as a customer altogether.

Ways to Decrease Your Auto Insurance Premiums

Even if you have a rate increase in your premium after your accident or claims, there are steps to take to try to offset the increased cost such as:

  • Ask about Discounts – Most, if not all, auto insurance companies have multiple discounts that drivers can qualify for. This includes multi-car, multi-policy, good student, safe driver, and military.
  • Consider Increasing Deductibles – In most cases, if you increase your deductible, your rate will go down. If you decide to take this step, be sure you can pay the deductible if you ever need to file a claim.
  • Reduce Coverage Types and Amounts – You can also examine your auto policy to see if you can lower some of your coverage limits or even drop certain coverages you do not need. Doing so will likely drop the price of your policy.

Auto insurance with an accident doesn’t have to cost you an arm and a leg. Instead of canceling your policy to avoid rate increases after a car accident, shop around and see if you can find better rates. 

Using an auto insurance price comparison tool can help ensure you are paying the best prices available. Get started looking for the cheapest car insurance after an accident with our FREE tool today.

How to Buy Auto Insurance with Accidents on Your Record

Are you a high-risk driver with accidents on your record? Don’t worry. Get quotes from at least three different insurance companies online and save up to $859.

  • Your driving record and number of accidents may play a big part in your insurance rates
  • You should compare at least three different companies before making a final decision
  • How you pay your premium may also be a way to reduce your rates

Comparing at least three different companies is a good way to start your search for cheap auto insurance for high-risk drivers.

Companies typically offer a free estimate or even an instant quote so you can easily compare and contrast what they’re offering. You can also focus on ways to reduce your rates.

There’s no need to ask can I buy insurance after an accident if you click here to shop around for auto insurance by entering your ZIP code in our FREE tool.

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Ways to Reduce Rates After an Accident

You have several ways to tweak your insurance plan with the overall aim of reducing your post-accident auto insurance rates

While these reduction methods may apply to any driver with any type of record, they can be especially helpful for those who are already paying more due to a bad driving record.

Increasing your deductible for your collision and comprehensive coverage are ideal places to start since you have more say over the type and level of your repairs to your own vehicle than you do for repairing the vehicles of others under your liability coverage.

Washington’s Insurance Department also notes you can pay for smaller claims out of your own pocket, instead of running them through the insurance company.

By not filing claims unless absolutely necessary, your claims history will remain low.

How you pay your premium may also be a way to reduce your rates. Paying for an entire year’s worth of coverage in one lump sum may come out cheaper than paying in monthly installments.

Auto insurance companies may offer a discount for paying the entire premium at once and it may also be a way to avoid monthly fees and services charges tacked onto your bill every time you make a payment.

Making sure you are not duplicating insurance coverage can also help you trim some fat off your auto insurance bill.

For instance, if your health insurance already covers medical bills if you are in an accident, you can scale back on medical coverage under your auto insurance plan.

Types of Auto Insurance Coverage

You may be able to scale back on other types of coverage in a bid to save money on your auto insurance.

If your car would cost more to insure than it would to replace, you may be able to forget about comprehensive or collision coverage altogether.

Of course, you do want to comply with state law and obtain the minimum amount of auto insurance required for the state, but additional coverage is your choice.

Review state minimums and then decide how much additional coverage you would feasibly need. Also, make sure an insurance company is not automatically including coverage you neither want nor need when they are offering a quote or drawing up a policy.

Also, make sure an insurance company is not automatically including coverage you neither want nor need when they are offering a quote or drawing up a policy.

Make Other Auto Insurance Factors Count

Your driving record and number of accidents may play a big part in your insurance rates, but they are not the only factors involved.

You can try to offset the high cost of insurance due to your accident record by making sure other factors on the list get you the lowest rates possible.

While some of the factors are beyond your control, others may be adjusted to keep your rates down.

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Auto Insurance Factors Beyond Your Control

Your age and gender are two factors that go into calculating your rates. The highest premiums go to the highest risk group of drivers, which are those under age 25.

Males under age 25 boost the premium even further as they statistically have more accidents than female drivers under age 25 do.

Married couples typically have lower rates than singles, although you may not want to propose just to get an insurance break.

All members of your household are factors that go into calculating your premium.

If you have a job that requires you to use your own vehicle, your rates may be higher than a job that only requires you to drive to and from work.

Living in an area that is known for high crime and car thefts can increase your rates over lower-crime zones.

Congested urban areas typically merit higher rates than sparsely populated rural locations.

Auto Insurance Factors You Can Adjust

Even if your driving record is currently trashed, you can keep it as squeaky clean as possible going forward.

That means driving safely, obeying all traffic laws, and paying acute attention to the road should be top priorities.

Other factors you can adjust include:

  • Your annual mileage
  • Type of car you have
  • Your credit record

Lower rates generally come from lower mileage. You can explore taking public transportation, carpooling, or even walking to reduce the mileage on your vehicle.

The make and age of your vehicle are other factors within your control.

Cars that are frequently stolen are on the high end of the insurance cost scale, as are vehicles that cost a lot to repair.

You can ask insurance companies for estimates for insuring a specific type of vehicle before you actually buy that vehicle. They may be able to help guide you toward vehicles that are low-cost on their insurance list.

Your credit record may play a part in your insurance rates.

Like your driving record, you may not be able to fix your credit record in an instant, but you can employ measures to improve it going forward.

Measures include paying your bills on time, paying off as much debt as possible, and not applying for many new accounts at once.

You may also want to review your credit record to ensure there are no mistakes on the record that could be bringing you down.

Make Auto Insurance Discounts Count

Can you get insurance after a wreck and still qualify for discounts? Yes, and a number of discounts offered by insurance companies may help shave money off your overall insurance premium.

Companies may give you a reduced rate for insuring more than one vehicle with the company or having more than one policy type with it.

You may be able to choose a single company for your house and auto insurance, which could merit a break.

Your vehicle’s safety and security features can net you a discount, with the more the merrier. Security measures include car alarms, tracking devices, wheel locks, and brake locks.

Auto Insurance Special Programs

Can you get insurance after a car accident if your driving record is very poor? If a driving record is particularly awful, some insurance companies may refuse to offer insurance at all.

However, just because one insurance company denies coverage, don’t assume they all will.

The Texas Department of Insurance points out that each company sets its own rules and one works for one may not be the same for another.

The Texas DUI also notes that the highest costs of insurance may come from some of the more serious traffic violations.

These include:

  • Involuntary manslaughter
  • Criminally negligent driving
  • Driving with a suspended license
  • Driving under the influence

Even companies that refuse to insure high-risk drivers may be associated with other member companies that do.

It never hurts to ask. It also never hurts to look into insurance companies that specialize in insuring high-risk drivers when comparing your options.

One more area to research if you are having trouble finding high-risk insurance would be programs that may be available in your state.

Texas has a state-run insurance program that may insure drivers that cannot obtain it elsewhere.

California also has a plan, known as the California Automobile Assigned Risk Plan. Each insurance company in the state is required to take on CAARP applications, according to the California Department of Insurance.

While the rates may be different than you’d find through a traditional program, all CAARP rates are the same regardless of what company offers the insurance.

If you successfully maintain a good driving record for three years under the CAARP plan, you will be eligible to move from CAARP to a standard insurance policy.

Your state’s department of insurance may be able to guide you in the right direction and let you know if such a program exists for you.

State-run auto insurance programs usually have very strict requirements and are one of the last places to look for insurance.

Don’t wait to get an insurance quote after an accident. If you get insurance after an accident, it will only cover future losses. Enter your ZIP code into our FREE tool below and start comparing auto insurance quotes now

Automobile Accident Statistics

Worldwide, about 1.2 million people die in auto accidents every year. Learn more auto accident statistics with even more facts and data.

  • Over 1.2 million people die each year in car accidents
  • Pedestrians have a 90 percent chance of survival if hit by a car traveling 30 mph or less
  • Approximately 25 percent of all automobile accidents as a direct result of the driver talking on a cell phone

Worldwide, 1.2 million people die in car accidents yearly. Researchers have found many different facts and data to analyze the causes of crashes to prevent them in the future. Here are some interesting statistics about car accidents.

Auto accident statistics should serve to remind us to not only drive safely to avoid injury but also to save us some money. The safer of a driver that you are then the more likely it is that you will pay less for auto insurance.

No matter what your accident and driving history is like, driving defensively is what matters most.

Auto accident statistics should serve to remind us to not only drive safely to avoid injury but also to save us some money. The safer you are, the more likely it is that you will pay less for auto insurance.

No matter what your accident and driving history is like, be sure to enter your zip code above and compare auto insurance quotes.

Hopefully, the car accident stats above will persuade you to be a safe driver and a conscientious auto insurance shopper. Enter your zip code below for free money-saving auto insurance quotes now.

Can affordable online auto insurance protect me in an accident?

As with any company, make sure you do your homework. Look at several companies, and research their stability, customer service, and claims processing.

  • Affordable auto insurance policies purchased online are as good as the company that backs them
  • Before researching an insurance provider, find out exactly what you need in terms of coverage
  • Choose several insurance companies and compare the same policy from each to find the best deal

Getting free quotes to compare auto insurance and buying your policy online are two ways the Internet makes life easier for those shopping for auto insurance.

Virtually all insurance companies will provide free online quotes to those who request them; almost all auto insurance companies offer customers the option of buying auto insurance policies online.

Buying a policy online is so quick and easy that some people may wonder if an auto insurance policy purchased online will actually protect them.

Before purchasing an auto insurance policy online or any other way, first shop around for the best auto insurance for someone with an accident. Get online quotes now by entering your ZIP code into our FREE auto insurance comparison tool.

How to Shop for the Best Auto Insurance After an Accident

You already know that you can buy insurance after an accident. But, to get the best auto insurance after an accident, there are several aspects to shopping you should be mindful of. For example, are you looking for the best insurance for at-fault accidents, or was it the other person’s fault? 

The best way to start? Just follow our easy steps for getting auto insurance after an accident.

First, decide what type of policy you need:

  • If you own your car outright, meaning you do not make payments for your car, you may opt to carry only liability coverage
  • If you make pay payments on your vehicle, the company that holds the loan for your car will require that you carry full coverage
  • A full-coverage policy is a combination of collision and comprehensive coverage and sometimes additional types of insurance

Next, comparison shop: 

  • To get the best auto insurance if you have accidents, choose a handful of insurance companies to compare.
  •  Make careful notes about your selections.

Remember, the best auto insurance if you’ve had an accident will change depending on where you live. For some, the best insurance after an accident might be Geico. For others, it could be Allstate or USAA.

Can you get full coverage after an accident? Yes, but remember your rates will increase due to having an accident on your record. 

How long does an accident stay on your insurance? Usually around three years, but each company uses a different policy, so ask an agent before buying auto insurance if you have an accident.

Remember, you can get auto insurance after an accident, but it’s better to get it before. 

From most online auto insurance shopping tools, you will be able to request a free quote from each of your chosen auto insurance companies. Request quotes for similar policies.

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Ask About Auto Insurance Discounts

Before you make your final decision, ask each of the auto insurance companies on your shortlist about the discounts they offer.

You may qualify for several discounts, lowering your premiums even more.

Some of the more common discounts include:

  • Multiple Vehicle Discount
  • Good Student Discount
  • Good Driver Discount
  • Multi-Policy Discount

When shopping for auto insurance, be sure to consider the discounts that each company on your shortlist offers and figure the discount into the premium payments.

This will give you an idea of what your rates would be with a policy from the given company.

Read Auto Insurance Company Rankings and Reviews

Now that you have a shortlist of favored auto insurance companies that offer their affordable insurance products online, research each company on the list.

Research each of the auto insurance companies to discover what consumers are saying about the company. Company ratings are provided by various consumer agencies, such as Consumer Reports and JD Power and Associates.

Check an auto insurance company’s financial strength by researching the company through AM Best. Retain only those companies that are ranked well by independent ranking agencies.

Customer reviews also provide a great deal of insight into the way auto insurance companies conduct business.

A customer review is usually one customer’s experience with a given company.

However, if you start to notice a consensus between reviewers about a company, positive or negative, you can assume that the reviewed content should merit your attention.

When you have worked through these steps for shopping for auto insurance, you should now have whittled your list down to one or two auto insurance providers that offer online policies.

Select the provider that you feel will provide you with the best rates and the best customer service.

Now you know how to minimize your auto insurance after an accident. But how do you calculate auto insurance after an accident? It’s easy to see which company offers the best rates and services just by entering your ZIP code into our FREE auto insurance comparison tool.