PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
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.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.” View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
