How will a minor at-fault accident affect my insurance premium?

Answered by Home Insurance, Car Insurance Expert Alexah on February 22, 2021

I lightly rear-ended a car on the freeway with my Honda Civic; I barely saw a scratch on either vehicle. There were no obvious injuries, though the other driver complained that his neck hurt. Aside from this accident, I have a pretty clean record. How much could my monthly premium rise?

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Home Insurance, Car Insurance Expert

Unfortunately, there’s no easy way to tell how an at-fault accident is going to impact your monthly premiums. Factors like the driver’s insurer and location and state laws can vary wildly for each policyholder, and they heavily influence the impact on your rates.

When you sign an insurance contract, you’re locked in at a quoted price for the policy term, unless you make any changes to the policy. Your insurance company isn’t able to change your premium mid-term due to an accident, but it may increase your rates at renewal. Most insurance companies send out your renewal offer about 30 to 45 days before your policy expires, and that’s when you’ll know if and how much your price is going to increase due to an at-fault accident.

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