Best Auto Insurance Companies That Don’t Penalize for a No-Fault Accident (2024)
State Farm, Allstate, and Geico are the best auto insurance companies that don't penalize for a no-fault accident. You can get a full coverage policy from these no-fault auto insurance providers starting at $82/mo. Below, we'll help you learn more about whether a no-fault accident goes on your record.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- You can get the best auto insurance that doesn’t penalize you after a no-fault accident from State Farm, Geico, and Allstate
- Collision coverage protects drivers who are in an accident and not at fault
- If you’ve caused an accident, your insurance rates could increase by 50%
State Farm, Allstate, and Geico are the best auto insurance companies that don’t penalize you for a no-fault accident. However, even at the best auto insurance companies, a not-at-fault accident may go on your record.
In most cases, the at-fault party will file a claim with their provider for any car repairs or medical expenses that may arise related to the accident. In no-fault states, drivers must file bodily injury claims on their own insurance. So, auto insurance rates increase for all drivers involved in an accident in a no-fault state. Read more about bodily injury liability (BIL) auto insurance here.
Before learning more about auto insurance companies that don’t penalize you if an accident isn’t your fault, enter your ZIP code to find affordable quotes near you.
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Best Auto Insurance Companies That Don’t Penalize For an At-Fault Accident
The best auto insurance companies for drivers looking for a no insurance penalty on the car in an accident may be as easy as picking your favorite local provider.
In a study by the Consumer Federation of America, two companies stood out as the best option for those who didn’t cause an accident. While Allstate occasionally penalized drivers, its 4% average penalty is far lower than Progressive’s 16% penalty. On average, though, State Farm auto insurance had a 0% penalty for not-at-fault accidents.
Some companies offer accident forgiveness insurance. This type of coverage prevents insurance rate increases after your first at-fault accident. Companies that have cheap auto insurance after an accident include:
- Allstate auto insurance
- Nationwide auto insurance
- Liberty Mutual auto insurance
- Geico auto insurance
In most states, the driver that caused the accident is responsible for the damages. However, your rates may still increase.
In most cases, you won’t be penalized for an accident you didn’t cause — depending on the state and the policy. We will discuss state rules in a later section.
Keep learning about the circumstances where your provider does penalize you for an accident that’s not your fault.
Auto Insurance Companies That do Penalize You For an At-Fault Accident
Auto insurance companies that may penalize you if the accident is not your fault include Progressive, Geico, Farmers, and Allstate.
How much does car insurance go up after an accident? See the table below for a detailed look at what insurance companies charge for no accidents, a speeding ticket, a DUI, and after an accident:
Auto Insurance Monthly Rates by Driving Record From the Best Companies
| Companies | Rates With a Clean Record | Rates With a Speeding Ticket | Rates With an Accident | Rates with a DUI |
|---|---|---|---|---|
| Allstate | 318 | 374 | 416 | 522 |
| American Family | 224 | 252 | 310 | 361 |
| Farmers | 288 | 340 | 377 | 393 |
| Geico | 179 | 220 | 266 | 406 |
| Liberty Mutual | 398 | 475 | 517 | 634 |
| Nationwide | 229 | 259 | 283 | 379 |
| Progressive | 283 | 334 | 398 | 331 |
| State Farm | 235 | 266 | 283 | 303 |
| Travelers | 287 | 355 | 357 | 478 |
| USAA | 161 | 183 | 210 | 292 |
If a car accident is not your fault, does your insurance go up? Sometimes.
As you can see from the table, Geico is the front runner for affordable car insurance after an accident for the general population. If you’re in the military, you and your family will see the best rates from USAA auto insurance.
When a Not-At-Fault Accident Affects Auto Insurance Rates
A not-at-fault accident means you weren’t the driver who caused the accident. An at-fault accident means you’re responsible for the crash.
No-fault insurance laws require drivers to file a claim with their own insurance company after an accident, even if they didn’t cause the accident. Some states have these no-fault laws, which require drivers to have personal injury protection. Read more about how to make an auto insurance claim when not at fault.
Currently, there are 12 no-fault states:
- Florida
- Massachusetts
- New York
- New Jersey
- Pennsylvania
- Kentucky
- Kansas
- Michigan
- Minnesota
- North Dakota
- Utah
- Hawaii
The other 38 states are tort states, in which the insurance company of the at-fault driver pays all of the damages.
Remember that regardless of the type of insurance system, one driver will still be found to be at fault for the accident and can be charged higher rates.
Some companies will charge you for filing a claim, regardless of fault. You may also see increased rates if you are the victim of a hit-and-run, in which you don’t know who is responsible.
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More About Auto Insurance Companies That Don’t Penalize You if an Accident is Not Your Fault
In most cases, not-at-fault claims are charged against the driver who caused the accident. However, it would be best if you double-checked your insurance provider’s rules and your state’s regulations.
If you can avoid filing a claim with your insurance company, your insurance rates are less likely to increase. Even if you didn’t cause the accident, filing a claim will go on your record and could lead to increased rates.
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— AutoInsurance.org (@AutoInsurance) March 10, 2023
While we found that State Farm does not penalize drivers in not-at-fault accidents, drivers should always cross-reference their policy. If you’re ready to look for auto insurance companies that don’t penalize you if an accident isn’t your fault, enter your ZIP code to speak with a local agent.
Frequently Asked Questions
What is a no-fault accident?
A no-fault accident refers to a situation where an auto insurance company determines that no specific driver is at fault for the collision. In these cases, each party’s insurance company typically covers the damages and medical expenses of their respective auto insurance policyholders.
What is a no-fault state for auto insurance?
A no-fault auto insurance system requires all drivers to pay their own injuries sustained after an accident, regardless of fault.
What states are no-fault states?
The no-fault auto insurance states include Florida, Massachusetts, New York, New Jersey, Pennsylvania, Kentucky, Kansas, Michigan, Minnesota, North Dakota, Utah, and Hawaii.
Does a no-fault accident increase insurance rates?
Generally, insurance companies in no-fault states increase rates after a no-fault accident since all drivers must file bodily injury claims on their insurance. Read more about no-fault auto insurance.
Are there auto insurance companies that don’t penalize policyholders for a no-fault accident?
Yes, there are auto insurance companies that understand that being involved in a no-fault accident does not necessarily make you a higher-risk driver. These companies typically do not raise premiums or penalize policyholders specifically for being involved in such accidents.
How can I find the best auto insurance companies that don’t penalize for no-fault accidents?
Finding the best auto insurance companies that don’t penalize for no-fault accidents requires research and comparison. You can start by looking for insurance providers known for their customer-friendly policies and excellent customer service. Additionally, consider reading reviews, getting recommendations from friends or family, and comparing quotes from different insurance companies.
Do all auto insurance companies penalize policyholders for no-fault accidents?
No, not all auto insurance companies penalize policyholders for no-fault accidents. Different insurance companies have different policies and approaches when it comes to determining premiums and rating factors. Some companies may give more weight to at-fault accidents, traffic violations, or other factors, rather than penalizing policyholders for no-fault accidents.
Is it important to disclose a no-fault accident to my insurance company?
Yes, it is essential to disclose a no-fault accident to your insurance company. Even though you may not be at fault, it is crucial to inform your insurer about the incident for several reasons. First, it helps ensure that your insurer is aware of the situation and can guide you through the claims process. Second, your insurer may need to coordinate with the other party’s insurance company for a fair resolution. Lastly, non-disclosure of accidents, even no-fault ones, may have consequences when you renew or switch insurance providers.
Does a no-fault accident go on your record?
Yes, in some cases. If in a no-fault state, drivers must report to their insurance carrier to recover compensation for damages or injuries caused in the accident, regardless of which driver caused the incident. An at-fault accident means the at-fault driver is responsible for covering all expenses.
If you live in a tort state, filing a claim with your insurance may mean impacting your driving record. These incidents could stay on your record for three years.
If you’ve caused an accident, it will usually stay on your driving record for three to five years on average. During this time, your insurance rates will be inflated.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.