Car Insurance with Multiple Claims

Filing multiple claims can increase premiums and result in policy cancellation. See our tips on how to handle your second insurance claim.

Car insurance with two or more claims

Filing multiple car insurance claims can lead to a tricky situation. The primary effect of multiple claims on auto insurance is increased rates. A second — and less likely — possibility is that of policy cancellation or non-renewal. Let's take a look at how to handle multiple auto insurance claims. 

  1. Multiple at-fault accidents
  2. Multiple PIP Claims
  3. Ways to save
  4. Additional resources

 

Multiple at-fault and not-at-fault accidents

At-fault and not-at-fault scenarios refer to collision and comprehensive claims. A collision claim will be considerably more expensive than a comprehensive claim. A collision claim covers an incident that occurs as a result of the insured driver's actions: for example, colliding with a fixed object or another vehicle.

 
How does a collision claim impact your premium?

On average, an at-fault collision claim raises insurance rates by $303 per six-month policy period. USAA is the cheapest car insurance company after an at-fault accident (methodology).

at fault accident

 

Car Insurance Provider
6-month premium
Allstate
$945
Farmers
$797
GEICO
$657
Liberty
$797
Nationwide
$675
Progressive
$788
State Farm
$655
USAA
$498

 

All above rates are averages, based on our rate-gathering methodology. Use these premiums as a starting point in your search for car insurance. Enter your ZIP code below to get started.

If you’re looking for more information, see our guides below:

 

View auto insurance quotes!

 

Comprehensive claim

Comprehensive coverage is designed to cover damage that occurs outside of your control. Below are perils covered by comprehensive coverage:

  • Stolen or vandalized vehicle
  • Damage caused by animals (rodents or insects)
  • Flood damage
  • Collision with an animal

Comprehensive claims typically don't result in major rate hikes. On average, a comprehensive claim increases auto insurance premiums by $31 over a six-month period.

1comp claim

Car Insurance Provider
6-month premium
Allstate
$945
Farmers
$797
GEICO
$657
Liberty
$797
Nationwide
$654
Progressive
$788
State Farm
$655

 

Two comprehensive claims

Two comprehensive claims raise car insurance premiums $65 every six months — a $34 increase versus a single comprehensive claim. Drivers with two comprehensive claims on their records should consider Nationwide, State Farm, or GEICO as good starting points when shopping for policies.

2 comp

Car Insurance Provider
6-month premium
Allstate
$952
Farmers
$831
GEICO
$690
Liberty
$840
Nationwide
$675
Progressive
$1,066
State Farm
$696
USAA
$523




Personal injury protection claims

If you live in one of the 12 no-fault states in the US, you'll be required by state law to carry personal injury protection (PIP) insurance. PIP covers the bodily injury costs and medical bills sustained by you and your passengers in a car accident — regardless of fault. On average, a single PIP claim raises rates by an average of $4 per six months. A pair of claims will increase rates by $24 per policy period. Below are cost estimates from popular insurance companies.

pip1

Car Insurance Provider
Average of One Med-PIP Claim
Allstate$2,042
Farmers$1,432
GEICO$1,314
Liberty$1,682
Nationwide$1,350
Progressive$1,581
State Farm$1,328
USAA$974

 

For a single PIP claim, USAA is the cheapest insurance provider at $487 for a six-month car insurance policy. Drivers ineligible for USAA's coverage should consider GEICO, the second-cheapest option.

 

Car Insurance Provider
Two Med-PIP Claims
Allstate
$1,021
Farmers
$729
GEICO
$690
Liberty
$844
Nationwide
$675
Progressive
$900
State Farm
$664
USAA
$502

 

Keep in mind some insurance companies will drop clients after a second PIP claim.

For more information regarding PIP claims, see our guides below:

 


Need coverage after a PIP claim?



Ways to save on auto insurance after claims

There's no magic trick to lower premiums after multiple claims. But there are some steps worth considering before and after your insurance premium has been impacted by your claims.

Shop around

Shopping for new car insurance quotes every six months is the most important way to find affordable car insurance. Most accidents and violations will no longer be chargeable after three to five years.

Not every insurance company prices policies equally after claims. The only way to know for sure you’re being charged the least amount for your claim is to see insurance premiums from other companies.

 

Get started on your rate today!

 

Be claim with future claims

Be careful with how you use your insurance coverage. Filing more than three claims in a three-year period can put you at risk of having your car insurance policy non-renewed or canceled.

If you’re in a situation where you think you need to file a claim, follow our guide.

  • Use our State of Insurance Analysis to see how much your particular claim type would raise your rate in your state. Consider this increase over 3 years as that is how long you will be charged by your insurance company.
  • Get an estimate for the repairs out a mechanic.
  • Compare the rate increase plus your deductible to the out-of-pocket repair costs. If it is cheaper to file a claim, do that. But be extra cautious if you’ve had already filed two claims in the past three years.

 

Customize your coverage

The general rule of thumb in the insurance world is if your vehicle is worth less than $4,000, you do not need comprehensive or collision coverage. This is because claims payout you would receive is worth less than the value of premium you are paying. Determine the value of your vehicle(s) by using Kelley Blue Book and NADA online. All of your vehicles do not need to be at the same coverage level.

If it is determined you need physical comprehensive and collision coverage but are still looking to lower your insurance premiums, consider raising your deductible. Because your premium and deductible are inversely related, you lower your bill by raising your deductible. Standard deductible range from $250 to $1000.

You can find more information regarding which deductible is right for you here.

 

Double check for discounts

See if you qualify for the following common discounts.

 

Consider telematics programs

If not-at-fault accidents are causing your premium to be high, see if your company has a telematics program. Telematics use in-car and mobile devices to use the way you drive to determine your premium. In theory, if you’re a safe driver your premium can be lowered. Safe driving habits include

  • Gradual braking
  • Moderate turning and accelerating speeds
  • Daylight driving

Below are some cost-savings estimates for popular usage-based insurance programs. 

Program

Estimated Savings

Progressive SnapShot

Average of $130

Allstate Drivewise

Average of 10-25%

State Farm Drive Safe & Save

Up to 15%

Esurance DriveSense

Varies

Nationwide SmartRide

Up to 40%

Root Car Insurance

Varies

Metromile

Varies

Liberty Mutual's RightTrack

Average of 5-30%

 

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