How Much Do Rates Increase After an Accident?
A single accident typically increases your insurance rate by 30-40%. At-fault accidents hit harder than comprehensive/collision claims. Your increase depends on the claim amount, your driving history, and your state. Drivers with multiple incidents—including speeding tickets and DUIs—face even steeper hikes. See full rate impact for drivers with bad records →
Typical Rate Increases by Claim Type
| Claim Type | Rate Increase | Duration |
|---|---|---|
| At-fault accident (under $5K) | +30-40% | 3-5 years |
| At-fault accident ($5K+) | +50-75% | 5-7 years |
| Comprehensive claim (theft, weather) | +5-10% | 2-3 years |
| Collision claim | +15-25% | 3-5 years |
Accident Forgiveness: How to Avoid Rate Hikes
Some insurers offer "accident forgiveness" programs that waive your first accident if you've been a good driver. Progressive, Allstate, and others offer this—but you usually need to be with them for 3+ years. If your current carrier is spiking your rates after a claim, it may be time to switch. Learn how to switch without a coverage lapse →
Find Insurers With Accident Forgiveness
Compare carriers that protect your rates after accidents:
Progressive Accident Forgiveness Liberty Mutual Accident ForgivenessFrequently Asked Questions
How much does car insurance go up after an accident?
An at-fault accident typically increases your rate 30-40% for 3-5 years. A major at-fault accident over $5,000 can raise rates 50-75% for 5-7 years. Comprehensive claims (theft, weather) have smaller impacts of 5-10% lasting 2-3 years.
How long does an accident affect my insurance rate?
Most accidents stay on your record for 3-5 years. Major at-fault accidents or those involving injuries can affect rates 5-7 years. After the accident ages off your record, your rate should return to standard pricing — a strong reason to shop annually at renewal.
What is accident forgiveness insurance?
Accident forgiveness is a policy feature from carriers like Progressive and Allstate that waives your first at-fault accident, preventing a rate increase. Most programs require 3+ years of clean driving history with that insurer. Some offer it as a loyalty reward, others as a paid add-on.
Should I switch insurance companies after an accident?
Yes, compare quotes immediately. After an accident, get quotes from at least 5 other carriers. Some insurers specialize in high-risk drivers and offer significantly better rates than your current provider. Switching can save $400-800/year even with an accident on record.