Insurance companies generally don't cancel an insurance policy in the middle of a coverage term. That's true no matter how many accidents a person has. Instead, if a driver is at fault for causing multiple crashes, their insurer may decline to renew their insurance policy.  There's no specific number of accidents that will trigger this action. It depends on the insurer and the nature of the accidents. If they were minor fender-benders, an insurer is much less likely to decline to renew coverage than if a motorist causes a serious crash.  Still, in most cases, insurers simply raise premiums instead of declining to renew coverage. If that happens, shop around to see if you can find a more affordable policy.