{"id":152476,"date":"2023-08-01T18:36:31","date_gmt":"2023-08-01T18:36:31","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=152476"},"modified":"2024-08-02T14:46:29","modified_gmt":"2024-08-02T14:46:29","slug":"how-much-car-insurance-goes-up-after-accident-best-tips","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/how-much-car-insurance-goes-up-after-accident-best-tips\/","title":{"rendered":"How Much Does Insurance Go Up After an Accident? Explained"},"content":{"rendered":"\n

Being involved in a car accident can be a nerve-wracking experience and lead to concerns about the impact on your car insurance rates. Therefore, it is crucial to compare car insurance quotes. Use Beem’s online comparison tool<\/a> to find the best coverage in your budget. We further explore the factors that affect how much car insurance goes up after an accident and provide valuable tips on lowering insurance rates after such an incident. We will also discuss how long an accident stays on your record and whether your car insurance rates will rise if you are not at fault.<\/p>\n\n\n\n

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How Much Does Car Insurance Go Up After an Accident?<\/h2>\n\n\n\n

One of the most common questions asked by policyholders is, “How much does car insurance go up after an accident?”. Car insurance rates can surge by an average of 49% if you cause an accident<\/a>. However, the exact answer may vary depending on several factors. Typically, insurance companies consider the following when determining the rate increase:<\/p>\n\n\n\n

At-Fault or Not<\/h3>\n\n\n\n

If you were at fault for the accident, you are more likely to see a substantial increase in your insurance rates. This is because you pose a higher risk to the insurance company. On the other hand, if you were not at fault, your rates may not increase or might increase only slightly.<\/p>\n\n\n\n

Severity of the Accident<\/h3>\n\n\n\n

The extent of the damage and the cost of repairs play a significant role in determining the rate increase. Severe accidents with property damage and injuries will likely lead to higher premium hikes.<\/p>\n\n\n\n

Driving History<\/h3>\n\n\n\n

Your past driving record is crucial. If you have a history of accidents or traffic violations<\/a>, your insurance rates may increase more than someone with a clean driving record.<\/p>\n\n\n\n

Location<\/h3>\n\n\n\n

The location of the accident can also impact the rate increase. Certain areas with higher accident rates may result in more substantial premium<\/a> hikes.<\/p>\n\n\n\n

Insurance Company<\/h3>\n\n\n\n

Different insurance companies have varying policies regarding rate increases after accidents. It’s essential to review your insurer’s guidelines to understand how they handle accident insurance.<\/p>\n\n\n\n

also know about: is car insurance tax deductible<\/a><\/p>\n\n\n\n\t\t

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Clean Record vs After Accident Car Insurance Cost<\/h2>\n\n\n\n
State<\/strong><\/td>Clean record<\/strong><\/td>After accident<\/strong><\/td>Difference<\/strong><\/td><\/tr>
Alabama<\/td>$139<\/td>$210<\/td>51%<\/td><\/tr>
Alaska<\/td>$117<\/td>$166<\/td>41%<\/td><\/tr>
Arizona<\/td>$160<\/td>$227<\/td>42%<\/td><\/tr>
Arkansas<\/td>$138<\/td>$214<\/td>56%<\/td><\/tr>
California<\/td>$146<\/td>$296<\/td>104%<\/td><\/tr>
Colorado<\/td>$168<\/td>$242<\/td>44%<\/td><\/tr>
Connecticut<\/td>$171<\/td>$270<\/td>58%<\/td><\/tr>
Delaware<\/td>$171<\/td>$233<\/td>36%<\/td><\/tr>
Florida<\/td>$238<\/td>$344<\/td>44%<\/td><\/tr>
Georgia<\/td>$125<\/td>$195<\/td>56%<\/td><\/tr>
Hawaii<\/td>$156<\/td>$212<\/td>36%<\/td><\/tr>
Idaho<\/td>$99<\/td>$139<\/td>40%<\/td><\/tr>
Illinois<\/a><\/td>$144<\/td>$223<\/td>55%<\/td><\/tr>
Indiana<\/td>$106<\/td>$167<\/td>57%<\/td><\/tr>
Iowa<\/td>$127<\/td>$184<\/td>44%<\/td><\/tr>
Kansas<\/td>$138<\/td>$197<\/td>42%<\/td><\/tr>
Kentucky<\/td>$170<\/td>$251<\/td>47%<\/td><\/tr>
Louisiana<\/td>$198<\/td>$278<\/td>41%<\/td><\/tr>
Maine<\/td>$93<\/td>$146<\/td>56%<\/td><\/tr>
Maryland<\/td>$143<\/td>$217<\/td>52%<\/td><\/tr>
Massachusetts<\/td>$178<\/td>$271<\/td>52%<\/td><\/tr>
Michigan<\/td>$399<\/td>$544<\/td>37%<\/td><\/tr>
Minnesota<\/td>$140<\/td>$223<\/td>59%<\/td><\/tr>
Mississippi<\/td>$130<\/td>$223<\/td>71%<\/td><\/tr>
Missouri<\/td>$154<\/td>$221<\/td>44%<\/td><\/tr>
Montana<\/td>$146<\/td>$212<\/td>45%<\/td><\/tr>
Nebraska<\/td>$142<\/td>$195<\/td>38%<\/td><\/tr>
Nevada<\/td>$216<\/td>$334<\/td>55%<\/td><\/tr>
New Hampshire<\/td>$130<\/td>$208<\/td>60%<\/td><\/tr>
New Jersey<\/td>$159<\/td>$287<\/td>80%<\/td><\/tr>
New Mexico<\/td>$139<\/td>$204<\/td>47%<\/td><\/tr>
New York<\/td>$149<\/td>$199<\/td>34%<\/td><\/tr>
North Carolina<\/td>$109<\/td>$171<\/td>56%<\/td><\/tr>
North Dakota<\/td>$138<\/td>$191<\/td>39%<\/td><\/tr>
Ohio<\/td>$108<\/td>$159<\/td>47%<\/td><\/tr>
Oklahoma<\/td>$163<\/td>$240<\/td>47%<\/td><\/tr>
Oregon<\/td>$152<\/td>$238<\/td>57%<\/td><\/tr>
Pennsylvania<\/td>$124<\/td>$185<\/td>49%<\/td><\/tr>
Rhode Island<\/td>$198<\/td>$250<\/td>26%<\/td><\/tr>
South Carolina<\/td>$136<\/td>$199<\/td>46%<\/td><\/tr>
South Dakota<\/td>$148<\/td>$205<\/td>39%<\/td><\/tr>
Tennessee<\/td>$113<\/td>$157<\/td>40%<\/td><\/tr>
Texas<\/td>$136<\/td>$205<\/td>51%<\/td><\/tr>
Utah<\/a><\/td>$138<\/td>$211<\/td>53%<\/td><\/tr>
Vermont<\/td>$92<\/td>$139<\/td>51%<\/td><\/tr>
Virginia<\/td>$118<\/td>$181<\/td>54%<\/td><\/tr>
Washington<\/td>$128<\/td>$180<\/td>41%<\/td><\/tr>
Washington, D.C.<\/td>$163<\/td>$238<\/td>47%<\/td><\/tr>
West Virginia<\/td>$136<\/td>$201<\/td>47%<\/td><\/tr>
Wisconsin<\/td>$105<\/td>$169<\/td>61%<\/td><\/tr>
Wyoming<\/td>$126<\/td>$162<\/td>28%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

How Can I Lower My Insurance Rates After an Accident?<\/h2>\n\n\n\n

While an accident can lead to increased insurance rates, there are ways to mitigate the impact and maintain lower premiums<\/a>:<\/p>\n\n\n\n