10 Best Auto Insurance Companies That Don’t Raise Rates After a Claim in 2024
Amica, USAA, and State Farm provide the best auto insurance companies that don't raise rates after a claim, with plans starting at just $90 per month. Our goal is to help you compare quotes from these reputable insurers, ensuring you find the perfect coverage and take advantage of personalized discounts for your vehicle.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
UPDATED: Oct 25, 2024
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.
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 25, 2024
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.
On This Page
768 reviewsCompany Facts
Full Coverage After a Claim
A.M. Best Rating
Complaint Level
Pros & Cons
768 reviews
6,435 reviewsCompany Facts
Full Coverage After a Claim
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
17,759 reviewsCompany Facts
Full Coverage After a Claim
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
Amica is distinguished as the best auto insurance company that don’t raise rates after a claim, offering competitive rates beginning at just $90 per month for comprehensive coverage.
In partnership with USAA and State Farm, they provide affordable rates and a wide range of comprehensive coverage options designed to meet your specific driving needs.
Our Top 10 Picks: Best Auto Insurance Companies That Don’t Raise Raise After a Claim
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 15% A Customer Loyalty Amica
#2 10% A++ Member Focused USAA
#3 17% B Longevity Industry State Farm
#4 25% A++ Personalized Service Auto-Owners
#5 25% A+
Financial Stability Erie
#6 20% A+ Accident Forgiveness Nationwide
#7 15% A+
Extensive Coverage The Hartford
#8 10% A Customizable Policies Liberty Mutual
#9 13% A++ Competitive Rates Travelers
#10 25% A+ Friendly Technology Allstate
- Amica provides competitive rates starting at $90 per month
- Top insurance providers provide chances for savings
- Discount opportunities are now available to wide insurances
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#1 – Amica: Top Overall Pick
Pros
- Exceptional Customer Service: Amica Mutual is renowned for its top-notch customer service, often praised for its prompt and helpful assistance in processing claims and addressing customer inquiries.
- Stable Financial Standing: With a strong financial stability rating, Amica Mutual provides peace of mind to policyholders, ensuring that they can rely on the company’s ability to fulfill its financial obligations, especially during times of need.
- Customizable Coverage Options: Amica Mutual offers a wide range of customizable coverage options, allowing policyholders to tailor their insurance plans to meet their specific needs and budgetary constraints.
Cons
- Higher Premiums: While Amica Mutual provides excellent coverage and service, some customers may find that their premiums are slightly higher compared to other insurance providers in the market.
- Limited Availability: Amica Mutual operates in a limited number of states, which could be a drawback for individuals residing outside of its coverage area who are seeking insurance options. Read more through our Amica auto insurance review.
#2 – USAA: Best for Member Focused
Pros
- Exclusive Membership Benefits: USAA offers exclusive benefits and services to its members, including discounts, specialized financial products, and personalized customer support tailored to the needs of military personnel and their families. Read more through our USAA auto insurance review.
- Outstanding Claims Handling: USAA is known for its efficient and hassle-free claims handling process, providing quick resolutions and fair settlements to policyholders in the event of accidents or other covered incidents.
- Financial Strength and Stability: With a long-standing reputation for financial strength, USAA instills confidence in its members by demonstrating stability and reliability in managing their insurance needs.
Cons
- Membership Eligibility Restrictions: USAA membership is limited to military members, veterans, and their families, excluding the general public from accessing its insurance products and services.
- Limited Coverage Options: While USAA offers quality coverage for auto insurance, its product offerings may be limited compared to other insurers, potentially restricting policyholders’ options for additional coverage types or add-ons.
#3 – State Farm: Best for Longevity Industry
Pros
- Extensive Network of Agents: State Farm boasts a vast network of local agents across the country, providing personalized service and expert guidance to policyholders, especially those who prefer face-to-face interactions when purchasing insurance.
- Variety of Discounts: State Farm offers a wide range of discounts to help policyholders save on their premiums, including multi-policy discounts, safe driving discounts, and discounts for vehicle safety features.
- Robust Online Tools and Resources: State Farm provides policyholders with access to user-friendly online tools and resources, such as mobile apps and educational materials, to manage their policies, file claims, and obtain insurance information conveniently.
Cons
- Potentially Higher Rates: While State Farm offers competitive rates for many drivers, some individuals may find that their premiums are higher compared to other insurers, particularly if they have unique risk factors or driving histories. Find out more in our State Farm auto insurance review.
- Claims Processing Times: Despite efforts to streamline the claims process, State Farm policyholders may experience longer wait times for claim resolutions during peak periods or in regions with high claim volumes.
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#4 – Auto-Owners: Best for Personalized Service
Pros
- Personalized Service: Auto-Owners is known for its personalized service, with dedicated agents who work closely with policyholders to understand their unique needs and provide tailored insurance solutions.
- Strong Financial Stability: With a solid financial stability rating, Auto-Owners offers policyholders confidence in the company’s ability to fulfill its obligations and provide reliable coverage, even during challenging times. Read more through our Auto-Owners auto insurance review.
- Comprehensive Coverage Options: Auto-Owners offers a wide range of coverage options, including standard policies and specialized coverage for unique needs such as classic cars or RVs, providing policyholders with comprehensive protection.
Cons
- Limited Availability: Auto-Owners operates in a limited number of states, which may restrict access to its insurance products and services for individuals residing outside of its coverage area.
- Fewer Online Tools: While Auto-Owners provides personalized service through its network of agents, it may offer fewer online tools and resources compared to larger insurers, potentially limiting convenience for tech-savvy customers.
#5 – Erie: Best for Financial Stability
Pros
- Affordable Rates: Erie Insurance is often praised for its competitive rates, offering affordable premiums for quality coverage, making it an attractive option for budget-conscious policyholders. Read more through our Erie auto insurance review.
- Excellent Claims Service: Erie has a reputation for excellent claims service, with efficient claims processing and responsive customer support, ensuring that policyholders receive timely assistance during stressful situations.
- Wide Range of Coverage Options: Erie offers a comprehensive selection of coverage options tailored to different driver needs, including standard policies and specialized coverage for classic cars or rental vehicles.
Cons
- Limited Availability: Erie operates in a select number of states, which may limit access to its insurance products for individuals residing outside of its coverage area.
- Lack of Nationwide Recognition: While Erie offers quality coverage and service, it may not have the same level of nationwide recognition or brand awareness as larger insurers, potentially influencing consumer trust and perception in certain regions.
#6 – Nationwide: Best for Accident Forgiveness
Pros
- Wide Range of Coverage Options: Nationwide, as mentioned in our Nationwide insurance review, offers a comprehensive selection of coverage options, including standard policies and specialized coverage for unique needs such as classic cars or pet injury protection.
- Strong Financial Stability: With a solid financial strength rating, Nationwide provides policyholders with confidence in the company’s ability to meet its financial obligations and provide reliable coverage.
- Discount Opportunities: Nationwide offers various discounts, including multi-policy discounts, safe driver discounts, and discounts for vehicle safety features, helping policyholders save on their premiums.
Cons
- Mixed Customer Service Reviews: While Nationwide offers a variety of coverage options, some policyholders have reported mixed experiences with customer service, citing issues with responsiveness and claims handling.
- Higher Premiums for Some Drivers: Depending on individual factors such as driving history and location, some drivers may find that Nationwide’s premiums are higher compared to other insurers offering similar coverage.
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#7 – The Hartford: Best for Extensive Coverage
Pros
- Extensive Coverage Options: The Hartford offers a wide range of coverage options tailored to different driver needs, including specialized coverage for classic cars, RVs, and high-value vehicles.
- Excellent Customer Service: The Hartford is known for its exceptional customer service, with dedicated agents who provide personalized assistance and guidance throughout the insurance process.
- Strong Financial Stability: With a strong financial stability rating, The Hartford instills confidence in policyholders, ensuring that the company can meet its financial obligations and provide reliable coverage.
Cons
- Higher Premiums for Some Drivers: While The Hartford offers comprehensive coverage options and excellent service, some drivers may find that their premiums are higher compared to other insurers.
- Limited Availability: The Hartford operates in a limited number of states, which may restrict access to its insurance products and services for individuals residing outside of its coverage area. Read more through The Hartford auto insurance review.
#8 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual offers customizable policies, allowing policyholders to tailor their coverage to meet their specific needs and budgetary constraints. For further insights, refer to our Liberty Mutual auto insurance review.
- Advanced Technology: Liberty Mutual provides policyholders with access to advanced technology tools and resources, such as mobile apps and online portals, for convenient policy management and claims processing.
- Multi-Policy Discounts: Liberty Mutual offers discounts for bundling multiple insurance policies, such as auto and home insurance, providing opportunities for policyholders to save on their premiums.
Cons
- Complex Claims Process: Some policyholders have reported challenges with Liberty Mutual’s claims process, citing issues with documentation requirements and delays in claim resolution.
- Higher Rates for Some Drivers: Depending on individual factors such as driving history and location, some drivers may find that Liberty Mutual’s premiums are higher compared to other insurers offering similar coverage.
#9 – Travelers: Best for Competitive Rates
Pros
- Competitive Rates: Our Travelers auto insurance review reveals that Travelers offers competitive rates for auto insurance, making it an attractive option for budget-conscious policyholders seeking quality coverage at affordable prices.
- Flexible Coverage Options: Travelers provides flexible coverage options, allowing policyholders to customize their policies with additional coverage types and add-ons to meet their unique needs.
- Discount Opportunities: Travelers offers various discounts, including multi-policy discounts, safe driver discounts, and discounts for vehicle safety features, helping policyholders save on their premiums.
Cons
- Mixed Customer Service Reviews: While Travelers offers competitive rates and flexible coverage options, some policyholders have reported mixed experiences with customer service, citing issues with responsiveness and claims handling.
- Limited Availability of Agents: Travelers may have a limited number of local agents available in certain areas, which could impact the accessibility of personalized assistance for policyholders who prefer face-to-face interactions.
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#10 – Allstate: Best for Friendly Technology
Pros
- Innovative Technology: Allstate offers innovative technology tools such as Drivewise and QuickFoto Claim to simplify the claims process and provide personalized discounts based on driving behavior.
- Wide Range of Coverage Options: Allstate provides a comprehensive selection of coverage options, including standard policies and additional coverage for roadside assistance, rental reimbursement, and personal injury protection.
- Member Benefits: Allstate offers various member benefits, including discounts for safe driving, multi-policy discounts, and loyalty rewards, providing opportunities for policyholders to save on premiums and receive additional perks.
Cons
- Higher Premiums in Some Areas: Depending on the location and driving history, some policyholders may find that Allstate’s premiums are higher compared to other insurers offering similar coverage. Use our Allstate auto insurance review as your guide.
- Mixed Customer Service Reviews: While Allstate offers a range of coverage options and member benefits, some policyholders have reported mixed experiences with customer service, including issues with claims processing and responsiveness.
Keeping Rates Low After Filing a Claim
Drivers Finding Insurance Companies With Good Discounts
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Auto Insurance Companies That Don’t Raise Your Rates Because of Claims: The Bottom Line
While there aren’t insurance companies that abstain from raising rates after a claim, partnering with companies such as Progressive and State Farm enables drivers to utilize discounts to mitigate potential rate increases, even for liability-only coverage.
Now equipped with the reality about auto insurance rate adjustments, you can enter your ZIP code to receive free insurance quotes from reputable companies in your area.
Frequently Asked Questions
Do all auto insurance companies raise rates after a claim?
No, not all auto insurance companies raise rates after a claim. Some insurance companies have policies in place that do not result in rate increases for policyholders who file a claim, particularly for certain types of claims, such as not-at-fault accidents or claims for minor damages.
Which auto insurance companies are known for not raising rates after a claim?
While policies may vary, some auto insurance companies are known for their practice of not raising rates after a claim. Examples of such companies include:
- USAA
- Amica Mutual
- Auto-Owners Insurance
- Erie Insurance
- The Hartford
- Allstate (with their Claim RateGuard feature)
- State Farm (with their Accident Forgiveness program)
- Liberty Mutual (with their Accident Forgiveness program)
Above information are auto insurance companies known for their practice of not raising rates after a claim. Enter your ZIP code now to begin.
Are there any conditions or limitations to consider with these companies?
Will my rates go up if I’m at fault in an accident, even with these companies?
While these companies may have policies that don’t raise rates for not-at-fault accidents, being at fault in an accident can still result in a rate increase. It’s essential to understand the specific policies of each insurance company and the factors they consider when determining rate changes.
Is it worth choosing an insurance company that doesn’t raise rates after a claim?
Choosing an insurance company that doesn’t raise rates after a claim can be beneficial, especially if you anticipate filing claims or have concerns about potential rate increases. However, it’s essential to consider other factors as well, such as the overall coverage, customer service, financial stability of the insurer, and the cost of premiums. Comparing multiple insurance companies and their offerings is recommended to find the best fit for your needs. Enter your ZIP code now to start.
How can I find out if an insurance company raises rates after a claim?
How do Amica, USAA, and State Farm differentiate themselves in the auto insurance market according to the article?
Amica, USAA, and State Farm differentiate themselves in the auto insurance market by offering competitive rates and a wide range of comprehensive coverage options that don’t raise rates after a claim.
What factors contribute to Amica being recognized as the best auto insurance company that doesn’t raise rates after a claim?
Amica is recognized as the best auto insurance company that doesn’t raise rates after a claim due to its exceptional customer service, stable financial standing, and customizable coverage options. Enter your ZIP code now to start.
What are some of the benefits of choosing USAA for auto insurance, as highlighted in the article?
According to the article, what are some potential drawbacks of selecting State Farm as your auto insurance provider?
Potential drawbacks of selecting State Farm as your auto insurance provider include the possibility of higher premiums for some drivers and longer wait times for claim resolutions during peak periods or in regions with high claim volumes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
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.
