Will My Insurance Rates Go Up After an Accident?

Car accidents are stressful enough — but many drivers have one extra worry: “Is my insurance premium about to skyrocket?”

The answer depends on several factors: who was at fault, your driving history, your insurer’s rules, and even your state’s laws. Here’s what you need to know about how an accident can affect your rates.

1. At-Fault Accidents Usually Raise Rates

If you were found at fault, chances are your rates will increase. Why?

• Insurers now view you as a higher risk.

• The more severe the accident, the bigger the impact.

• Multiple at-fault accidents on your record can compound the increase.

2. Not-at-Fault Accidents May Still Impact You

Even if you weren’t at fault, some insurers raise rates simply because you were involved in a crash. Why?

• Statistically, drivers who’ve had an accident are more likely to have another.

• Insurers sometimes pass costs along, even if the other driver’s policy paid.

It’s unfair, but it happens.

3. How Much Will Rates Go Up?

Rate hikes vary, but national averages show:

• Minor accidents: 10%–30% increase.

• Major accidents with injuries: 30%–50% or more.

• High-risk drivers (multiple accidents): Sometimes doubling premiums.

Your insurer’s specific policies will determine the actual bump.

4. Factors That Influence Rate Changes

Several details affect whether and how much your premium rises:

• Accident severity (fender bender vs. total loss).

• Driving record (clean history may soften the blow).

• State laws (some states ban surcharges for not-at-fault claims).

• Accident forgiveness programs (offered by certain insurers).

5. How to Minimize the Damage

If you’re worried about rates, here are some options:

• Shop around: Other insurers may offer better post-accident rates.

• Accident forgiveness: Check if your policy includes it.

• Defensive driving courses: In some states, these can lower premiums.

• Bundle discounts: Combining policies can offset increases.

The Bottom Line

Accidents often lead to higher premiums, but how much — and whether it happens at all — depends on your insurer, your record, and your state.

👉 If you’ve been injured in a car accident and want clarity on your insurance situation, fill out our quick questionnaire. FindLawFast will connect you with the guidance you need.

Disclaimer: This article is for general informational purposes only and should not be taken as legal or financial advice. Insurance rate changes vary by provider, state, and individual policy. Always review your policy and consult with a qualified professional.