Best Auto Insurance Companies That Don’t Penalize You If The Accident Is Not Your Fault (2022)
The best auto insurance companies that don’t penalize you if the accident is not your fault include USAA and GEICO. However, most affordable auto insurance companies that do penalize you if the accident is not your fault only do so if the claim was not filed through the at-fault driver’s liability insurance. Filing a collision or comprehensive claim may still cause your rates to go up, even if you use an accident forgiveness program.
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UPDATED: Nov 24, 2021
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- The best auto insurance companies that don’t penalize you if the accident is not your fault include USAA and GEICO
- Affordable auto insurance companies that do penalize you if the accident is not your fault typically only do so if a claim is filed against your own policy, like a comprehensive claim
- If you already filed claims before the accident, you may still see an increase in rates even if you were not at-fault
Unless you file a claim against your own insurance, your rates don’t typically increase if you’re involved in an accident that is not your fault. The best auto insurance companies that don’t penalize you if the accident is not your fault include USAA and GEICO.
Knowing how accidents and claims impact your insurance costs is a vital part of understanding auto insurance. Below, compare providers and learn how to keep your rates low even after an accident.
Read on to learn about auto insurance quotes from companies that don’t penalize you if the accident is not your fault. Enter your ZIP code into our free tool above to compare rates from the top providers near you.
What are the best auto insurance companies that don’t penalize you if the accident is not your fault?
Unless you’ve filed a recent claim, you won’t really find an auto insurance company that does penalize you if the accident is not your fault.
What is a no-fault accident? It means you’re not the party responsible for causing the collision.
Typically, only claims that cost your insurance company money lead to a rate increase at the time of your policy renewal.
However, it does vary by provider and region.
For example, according to the Consumer Federation of America, no-fault accidents in some locations, like Chicago and Kansas City, cause rates to increase by an average of 10%.
But, usually, if the other driver was at fault, the claim is filed through their liability insurance policy. In this case, your provider isn’t paying for the damages and repairs. Therefore, your rates remain the same.
What are average rates from companies that don’t charge you for a not-at-fault accident?
In the list below, compare the annual average rates from affordable auto insurance companies that don’t penalize you if the accident is not your fault.
- USAA Auto Insurance Company – $2,146.06
- GEICO Auto Insurance Company – $2,025.53
- Nationwide Auto Insurance Company – $2,345.74
- State Farm Auto Insurance Company – $2,903.75
- Liberty Mutual Auto Insurance Company – $2,507.96
- Progressive Auto Insurance Company – $2,794.75
- American Family Auto Insurance Company – $2,973.10
- Farmers Auto Insurance Company – $3,593.88
- Allstate Auto Insurance Company – $3,838.96
In terms of affordability, the cheapest is USAA. This provider is typically the cheapest in every state.
However, only military personnel and their families can use USAA. For civilian customers, GEICO is a competitive option with comparable prices to USAA.
Many different factors impact your auto insurance costs, including your age, driving record, coverage requirements, and ZIP code.
So the best way to buy auto insurance from companies that don’t penalize you if the accident is not your fault is to compare quotes online from multiple providers.
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Can auto insurance companies penalize you if the accident is not your fault?
Usually, insurance companies do not increase rates if a driver is involved in an accident and is not at fault.
The claim is filed through the other driver’s provider in at-fault states, which doesn’t cost your insurer money. However, there are some exceptions.
So if your auto insurance rates from companies that do penalize you if the accident is not your fault go up, it may be because of how the claim was filed.
In no-fault auto insurance states, you file a claim against your own provider regardless of fault, which may lead to a rate increase.
Also, if you filed a comprehensive claim because a tree fell on your car, your rates might increase at the time of your policy renewal.
Even though you’re not technically responsible, your claim still costs your provider money.
Similarly, if you recently filed a claim, then your provider might think you’re a high-risk driver even if the accident is not your fault.
What is a high-risk driver? New drivers, teens, senior citizens, people with multiple claims, insurance lapses, traffic citations, DUIs, and at-fault accidents are all considered a higher risk to insure.
The best high-risk auto insurance companies include GEICO and USAA. How much does high-risk insurance cost?
Typically the average cost of high-risk auto insurance is anywhere from 25% to 125% more than average.
However, if you can’t find insurance, you may need to turn to high-risk auto insurance companies. This may happen if you need SR-22 insurance.
Ultimately, if you buy auto insurance from companies that do penalize you if the accident is not your fault and you’re unsatisfied, never hesitate to shop around for new coverage.
Are accident forgiveness programs worth it?
To avoid being stuck with companies that do penalize you if the accident is not your fault, consider enrolling in an accident forgiveness program if it fits your budget and needs.
What is accident forgiveness? It’s an incentive from a provider promising not to increase your rates after your first at-fault accident occurs.
Is accident forgiveness worth it for all drivers? You’ll have to consider the pros and the cons for yourself.
Some accident forgiveness programs are rewarded to safe drivers for free, while other companies offer it for an additional cost.
Look for affordable options; otherwise, it may not be worthwhile.
Plus, pricing for these programs varied by both state and driver, like the Gold and Platinum Allstate accident forgiveness costs, for example.
The best accident forgiveness insurance companies of 2021 include Allstate, GEICO, and Progressive. But how do you get the best accident forgiveness?
Simply ask the provider how a claim impacts your rates without enrolling in the accident forgiveness program.
This way, you know exactly how an accident or claim might affect your rates.
Auto Insurance Companies That Don’t Penalize You if the Accident is Not Your Fault: The Bottom Line
Usually, accidents that are not your fault do not cause your insurance rates to increase unless you live in specific parts of the country, have already filed other claims, or filed a claim against your own provider.
However, you can follow these easy tips on how to avoid high auto insurance rates even after an accident.
First, ask about auto insurance discounts. Consider signing up for a defensive driver course. As always, compare quotes online from multiple providers.
Plus, if it fits your budget, enroll in accident forgiveness auto insurance. Finally, Increase your deductibles for lower monthly costs.
Now that you’ve compared auto insurance rates from companies that don’t penalize you if the accident is not your fault, enter your ZIP code into our free comparison tool below to receive quotes from reputable providers near you.