How long will my insurance rate be affected by my last accident?

My rates are still really high after my accident; when will they return to normal? I have a few accidents on my record, but my last one was 2 years ago.

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“On average, your policy will be surcharged for three years, starting at the renewal after the accident.
Keep in mind, since you have more than one accident, you may have more than one surcharge on your policy.
Once the three year time frame is up on all of the activity, your rate still might not be the same as it was before. In the past three years, the cost of insurance policies has likely increased.
If you are unhappy with your rate, it might be a good time to shop for car insurance online. Not all carriers will rate prior accidents the same and you may find a lower option.
If you want to save money on car insurance, the Jerry app is a good place to start. Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and delivers the options to the app on your phone in just minutes.”

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