Car insurance rates go up an average 42% after an at-fault accident, according to QuoteWizard research .
That ’ sulfur just an average, though. Depending on diverse factors, your car insurance rates may not increase at all after an accident — or they might double. Our data supports both of these situations and everything in between .
Two authoritative factors that determine how much car policy rates go up after an accident are where you live and where you bought your policy. Who caused the accident — you or the early driver — plays a vital role, excessively .
In this article, we ’ ll brood :

How much do insurance rates increase after an accident?

Your car insurance rates may not go up at all after an accident — or your premium might double .
Whether your car policy rates increase after an accident and how much they increase depends on factors like :

  • The state you call home.
  • The insurance company that provides your coverage.
  • If you caused the accident or not.
  • If you file a claim for damages related to the accident.

here ’ s how much car policy rates go up in certain states after an at-fault accident, based on our research. Keep in mind that these average rates are for a full-coverage policy, which by and large includes liability, collision and comprehensive coverages .
Our sample California driver ’ mho cable car insurance rates increased 74 % after an at-fault accident. That ’ s the biggest increase we saw in any department of state .

Average car insurance rate increases after an at-fault accident, by state
State Before accident After accident Increase
California $1,996 $3,480 74%
Florida $4,651 $6,958 50%
Illinois $2,580 $3,946 53%
Texas $3,011 $4,404 46%
Wyoming $1,577 $2,109 34%
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

here ’ s how much the largest indemnity companies in the U.S. lift car indemnity rates after an accident .

Average car insurance rates from large insurers after an at-fault accident
Company Before accident After accident Increase
GEICO $2,483 $3,957 59%
Progressive $1,995 $3,075 54%
State Farm $1,506 $1,840 22%
Travelers $2,979 $3,842 29%
USAA $1,257 $1,725 37%
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Your car insurance premium will go up the least after an accident if State Farm provides your coverage and if your profile is similar to our sample driver. State Farm raised our driver ’ south rates by an average 22 % after an at-fault accident .
At foremost glance, Travelers seems like a good option here, besides, as it raised our driver ’ second rates by an average of 29 % after an accident. There ’ randomness one big remainder between State Farm and Travelers when it comes to increasing car policy premiums after an accident, though. The average agio State farm offered our driver after an accident is $ 1,840 per year. Travelers ’ average premium for the same driver : $ 3,842 per year .

Get cheap car insurance after an accident

Which companies offer the cheapest rates after an accident?

Virginia Farm Bureau offers the cheapest car insurance rates after an accident, according to our data. Virginia Farm Bureau offered our sample driver an average annual rate of $ 815 for a full-coverage policy after an accident .
North Carolina Farm Bureau, Wadena and PEMCO besides offered cheap car indemnity rates to our sample driver with an at-fault accident on his record .

 

USAA offers the cheapest car insurance rates after an accident among large insurers, based on our research. USAA offered our sample distribution driver an average annual rate of $ 1,725 .
here are the average annual rates other acme car indemnity companies offer after an at-fault accident .

 

When do car insurance rates go up after an accident?

If your cable car policy rates go up after an accident, the increase normally happens when it ’ s fourth dimension to renew your policy .
Should your insurer raise your premium after an accident, use it as an opportunity to shop around for a better deal. Get quotes from a handful of early indemnity companies and compare them .
You might find that another ship’s company will give you a lower car policy rate than your stream provider, even with an accident on your drive commemorate .

How long do insurance rates remain higher after an accident?

If your car indemnity rates go up after an accident, they might remain higher for three to five years.
That ’ randomness because accidents typically stay on your insurance record for three to five years, so they may impact your car indemnity premium for the like measure of time .

Why do insurance rates go up after an accident?

The most likely rationality cable car insurance rates increase after an accident is that the accident causes your insurance company to consider you a bad driver. And insurers generally charge higher rates to people they consider higher risks for causing accidents or filing claims .
besides, if you file a claim for wrong caused by an accident, it will normally prompt your insurance company to raise your rate .

Will my insurance rates go up if I didn’t cause the accident?

Yes, your car insurance rate may go up after an accident, evening if you didn ’ thymine cause the crash .
This is specially true if you file a claim related to the accident. Any clock time you file a claim, there ‘s a luck your pace will go up .
That said, your car policy premium is less likely to increase after an accident you didn ’ t cause than it is if you caused it .

How can I lower my car insurance rate after an accident?

One of the best ways to lower your car insurance premium and get cheaper coverage after an accident is to switch companies. Get quotes from respective insurers and compare them to see if one or more will offer you a better rate .
here are a few other ways you can lower your rate and get cheaper car policy after an accident :

  • Wait — and in the meantime avoid getting into any more accidents or filing additional claims.
  • See if you qualify for any auto insurance discounts.
  • Consider dropping coverage you don’t need, lowering your limits or increasing your deductibles.

Can accident forgiveness keep my car insurance rate from going up after an accident?

Accident forgiveness can prevent your car policy rate from increasing after an accident .
Having accident forgiveness doesn ’ t guarantee your car indemnity premium won ’ thymine go up at all after an accident, though. It may keep your insurance company from raising your premium because of the barge in, but if the crash causes you to lose your good driver discount, for example, your premium might go up by 20% anyway .
still, accident forgiveness can be a good fringe benefit to have, specially if your insurance company gives it to you for release, as some do.

Methodology

The sample quotes used for this study are based on a 30-year-old unmarried male driver with a 2012 Honda Accord LX. Unless otherwise stated, the driver has a clean drive record with no prior policy. He drives an average 13,500 miles per annum .
average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary .
QuoteWizard.com LLC has made every campaign to ensure that the information on this web site is decline, but we can not guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this web site are provided “ as is ” and “ as available ” for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the mathematical process of this web site or to the information, message, materials, or products included on this locate. You expressly agree that your use of this web site is at your sole risk .

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