Beyond the damage — what an at-fault accident does to your premiums for years.
Surcharges typically last 3 years after an at-fault accident
With Accident
Without Accident
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Get Your Free QuoteEstimates for educational purposes only. Actual rates vary by carrier and individual factors.
An at-fault accident raises your premiums for several years, depending on your carrier and state. A single fender-bender can cost you more in higher premiums than in the deductible or repair itself. The estimate below uses illustrative multipliers, not carrier rates.
Some carriers offer accident forgiveness programs that waive or reduce the surcharge after your first at-fault claim. Others penalize every incident equally. This is why comparing carriers matters — two drivers with the same accident can pay very different rates.
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