{"id":10327,"date":"2026-07-15T07:55:11","date_gmt":"2026-07-15T11:55:11","guid":{"rendered":"https:\/\/postmanlaw.829dev.com\/?page_id=10327"},"modified":"2026-07-15T07:55:11","modified_gmt":"2026-07-15T11:55:11","slug":"how-much-does-car-insurance-go-up-after-an-accident","status":"publish","type":"page","link":"https:\/\/postmanlaw.829dev.com\/es\/faqs\/how-much-does-car-insurance-go-up-after-an-accident\/","title":{"rendered":"How Much Does Car Insurance Go Up after an Accident?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Your car insurance can go up <\/span><b>by as much as 20<\/b>%<b> to 50<\/b>%<b> after an at-fault auto accident<\/b><span style=\"font-weight: 400;\">. Many states regulate auto insurance rate increases and require prior approval before hiking rates. Many states also prohibit insurance companies from hiking rates after an accident that is not your fault, but specifics differ.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can talk to a <\/span><a href=\"https:\/\/www.postmanlaw.com\/personal-injury\/motor-vehicle\/car-accident\/\"><span style=\"font-weight: 400;\">car accident lawyer<\/span><\/a><span style=\"font-weight: 400;\"> if you have more specific questions about insurance rate hikes after an accident.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Average Rate Increase After an At-Fault Accident<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you get into an accident that is your fault, your insurance company will increase your rates after a claim. In most cases, you can expect your premiums to jump between 20% and 50% after a crash. That comes out to a jump of between $400 and $1,000 in higher premiums per year.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Factors that can impact the magnitude of the rate increases include the following:<\/span><b><\/b><\/p>\n<ul>\n<li><b>The severity of the accident<\/b>. <span style=\"font-weight: 400;\">The more damage the accident caused, the higher the rate hikes.\u00a0<\/span><\/li>\n<li><b>Accident history<\/b>. <span style=\"font-weight: 400;\">Subsequent accidents can result in progressively higher rate increases.<\/span><\/li>\n<li><b>Criminal violations<\/b>. <span style=\"font-weight: 400;\">Criminal violations, like speeding or DUIs, can result in higher rate increases.<\/span><\/li>\n<li><b>Causing serious harm or death<\/b>. <span style=\"font-weight: 400;\">The most drastic rate increases can occur if you cause an accident resulting in serious bodily harm or death.\u00a0\u00a0<\/span><\/li>\n<li><b>Making a comprehensive claim<\/b>. <span style=\"font-weight: 400;\">Comprehensive insurance claims for vehicle and body damage can increase your rates, though not as much as an at- fault accident would.<\/span><\/li>\n<\/ul>\n<p class=\"rs-content-cta rs-content-cta-small\">For a free legal consultation, call <a href=\"tel:+18447678626\">844-767-8626 <\/a><\/p><h2><span style=\"font-weight: 400;\">Why Do My Insurance Rates Go Up After an Accident?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Your insurance rates go up after an accident primarily<\/span><b> to account for the additional risk of coverage<\/b><span style=\"font-weight: 400;\">. The more accidents you cause, the insurance company sees you as a riskier person to insure. The increased premiums are meant to cover the losses the insurance company incurred by having to pay out after the accident.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance claims may also trigger additional fees to compensate the insurance company for its adjusters\u2019 time and related fees. The insurance company can increase your rates to account for these additional expenses.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Rules About Insurance Rate Increases<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Insurance companies can raise rates after an accident, but things are not a free-for-all. Most states regulate exactly when and how much auto insurers can increase their rates. The exact specifics differ from state to state, but here are some general rules that may be applicable:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Most states require insurance companies to provide written notice before hiking rates. The notice must explain the new rate and the reasons for the increase.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rate hikes generally must take place at the beginning of a new policy period and not in the middle of a current one.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Car insurance companies typically have standardized surcharges that define how much your rate will increase after a specific event.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some states limit how long an insurance company can add a surcharge to your policy after an event.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you are unsure about the specific rules in your state, you can talk to a knowledgeable personal injury lawyer.\u00a0<\/span><\/p>\n<p class=\"rs-content-cta rs-content-cta-small\"><a href=\"\/es\/contact\/\">Click to contact<\/a> our personal injury lawyers today<\/p><h2><span style=\"font-weight: 400;\">How Soon Do I Have to Notify My Insurer of an Accident?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ideally, you should notify your insurer of an accident <\/span><b>within 48 or 72 hours<\/b><span style=\"font-weight: 400;\">. Most policies have a specific, defined reporting timeframe and require you to report accidents even when you\u2019re not at fault. If you try to hide an accident or fail to report it to your insurance company, it could result in the cancellation of your policy and loss of premiums.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Will My Rates Increase When I\u2019m Not At Fault?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many states have laws that prevent auto insurers from raising your rates when you\u2019re not at fault for an accident. For example, in Colorado, <\/span><a href=\"https:\/\/colorado.public.law\/statutes\/crs_10-4-628\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">CRS 10-4-628<\/span><\/a><span style=\"font-weight: 400;\"> explicitly prohibits insurers from raising rates or reducing auto coverage when someone is in an accident that\u2019s not their fault.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Similarly, Minnesota prohibits insurance providers from raising rates when you make a no-fault claim, and you\u2019re less than 51% at fault for the crash. However, many states have no such laws, so insurers can raise rates after an accident that wasn\u2019t your fault.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Can My Rates Go Down If I Stay Accident-Free?<\/span><\/h2>\n<p><b>Yes<\/b><span style=\"font-weight: 400;\">, your auto insurance premium rates can go down if you stay accident-free. If your state limits insurance surcharges after at-fault accidents, your rates may fall after the surcharge period ends.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alternatively, many insurance companies offer accident forgiveness or have a claim value floor for rate increases. These rules depend on the specific insurance company and may be subject to change depending on the insurer.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">P\u00f3ngase en contacto hoy mismo con un abogado especializado en accidentes de tr\u00e1fico<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Whether or not your rates go up after an accident depends on several factors unique to the case. If you have any more questions about insurance rates increasing after an accident, you should give us a call at Postman Law.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We have recovered over $3 billion for clients and bring decades of combined experience to your case. Our knowledgeable personal injury lawyers can provide answers and a free consultation.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Your car insurance can go up by as much as 20% to 50% after an at-fault auto accident. Many states regulate auto insurance rate increases and require prior approval before hiking rates. Many states also prohibit insurance companies from hiking rates after an accident that is not your fault, but specifics differ.\u00a0 You can talk &#8230;<\/p>","protected":false},"author":44,"featured_media":10329,"parent":9185,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"hc_faqs":[94],"class_list":["post-10327","page","type-page","status-publish","has-post-thumbnail","hc_faqs-car-accident","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Car Insurance Rate Increases After an Accident | Postman Law<\/title>\n<meta name=\"description\" content=\"How much does car insurance go up after an accident? 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