How Much Does Insurance Increase After An Accident?

Not-At-Fault Accident

If you make a claim on your insurance at all, you risk your rates going up, even when it's a not-at-fault premium. Not all people who are a victim of a car accident caused by someone else will see their rates rise, but it’s not uncommon for a change, though it is less common if you are not the at-fault driver. Your insurance company is responsible for paying for the damages that occur, which makes you a riskier driver. Your insurance company has to recoup their losses, which is when a rate increase occurs. A few states do not legally permit an insurance company from raising your insurance rates if you are not the at-fault driver, but there is no such law or regulation in most states.

Continue reading to learn how rate increases are calculated.