Best car insurance after an accident 2026

A single accident can raise your car insurance premium for years. And multiple tickets or at-fault crashes can push you into “high-risk” territory where fewer insurers are willing to offer competitive rates. But being labeled a high-risk driver doesn’t mean you’re out of options. We analyzed 20 major insurers to find the best car insurance companies after an accident based on pricing, forgiveness programs, complaint data, and claims-handling scores. Learn more: What is high-risk car insurance, and who n ...