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Can I switch to another insurance company if my rate goes up after an accident?
I got in an at-fault accident this year and my monthly rate jumped by $80 when my policy was renewed. Can I switch to another insurer for a better price?
Carol Chung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You can absolutely switch to another insurance company after an at-fault accident. In fact, you’re typically free to switch insurers whenever you please.
Car insurance providers consider numerous factors when determining your car insurance rate. Each provider offers unique quotes to each driver based on their driving record and insurance history, so your rate from one provider will never be the same as your rate from another carrier.
Alongside your record of at-fault accident, car insurance companies also look at your:
- Driving experience: Car insurance providers consider the number of years you’ve been on the roads.
- Driving record: Tickets, citations, and moving violations will increase your rates. A clean driving record is an easy way to secure lower premiums.
- Demographics: Your age, location, marital status, and more can have an impact on your quotes.
- Your vehicle: The make, model, safety features, and performance upgrades on your vehicle can affect your rates.
- Credit score: In most states, car insurance providers are permitted to use your credit score as a risk factor.
Pro tip: Despite having this accident on your record, it’s possible that you could find a cheaper rate for
car insurance
elsewhere. Start shopping by getting quotes from at least three other companies.MORE: Checklist for switching car insurance companies
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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