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 Forgiveness