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 typically raises your premiums by 20–50% for three to five years, depending on your carrier and state. That means a single fender-bender could cost you thousands of dollars in higher premiums on top of any deductible or repair expenses.
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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