Does USAA raise your rates if you are in an accident?

I got into an accident recently and I'm worried my rate will increase. I wasn't at fault, but I had to submit a claim through my insurance. Will my rate go up?

Answer provided by
Emily Maracle
Answered on Jul 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“While every carrier is different, it’s possible that USAA could raise your rates after an accident.
Even though it wasn’t your fault, you still needed to submit a claim through USAA. Any time your insurance pays out, they could raise your rates at policy renewal.
It can be difficult to know how much your rates will increase or if they will be raised at all. Car insurance companies all rate policies differently.
If you’re concerned, you can reach out to USAA directly to find out what their terms and conditions are regarding rate changes and accidents.
Should you see a rate increase when it’s time to renew your policy, request quotes other carriers. You may find that another company doesn’t rate claims as significantly or that you’re eligible for additional discounts.”

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies