Auto insurers can increase their rate after having an accident and filing a claim. The exact increase in your rate will depend on the type of accident and your insurance company. Generally, your car insurance rates tend to go up after an accident, especially if you're found at fault. This is because insurers may consider it riskier to insure themselves and increase their rates accordingly.
The exact amount your premium will increase to after an accident depends on several factors, such as your car insurance provider, your driving history, your claim history, your geographic location and, in some states, even your age and gender. Young drivers may experience the highest increases after an accident, as insurers tend to consider them an especially risky group to insure. As you can see, having a good insurance company can make a big difference when it comes to whether or not you'll see an increase in your insurance rates if someone crashes into your vehicle in a car accident. You may also wonder how the accident will affect your car insurance premium and how accident forgiveness (if at all) comes into play.