Accident Surcharge Estimator Calculator
Frequently Asked Questions
How much does an accident increase insurance?
At-fault accidents typically increase insurance premiums by 15-50% for 3-5 years. Minor accidents (fender benders): 15-25% increase. Moderate accidents (property damage): 25-40% increase. Major accidents (injuries/total loss): 40-50% increase. DUI/DWI: 50-80%+ increase. For a $1,500 annual premium, expect increases of $225-$750+ per year.
How long does an accident affect insurance?
At-fault accidents typically affect insurance for 3-5 years, depending on severity and state. Minor accidents: 3 years. Moderate accidents: 3-5 years. Major accidents or DUI: 5+ years. Some states allow accidents to be removed from record after 3 years if no other incidents occur.
Can I avoid premium increases after an accident?
Ways to minimize increases: accident forgiveness programs (waive first accident), switching insurers (some are more lenient), taking defensive driving courses (may reduce impact), and maintaining clean record otherwise. Not-at-fault accidents typically don't increase premiums, but some states allow rate increases.
Does a not-at-fault accident affect insurance?
Not-at-fault accidents typically don't increase premiums in most states, as you weren't responsible. However, some insurers may still increase rates if you file multiple not-at-fault claims. Laws vary by state - some prohibit rate increases for not-at-fault accidents, while others allow it.
