Services
Insurance
Loans
Repairs
Advice
About

Will my son's car insurance rate rise after I totaled his car?

My son and his car are on my insurance policy. I recently got into a single-vehicle accident and totaled his car. My son's insurance rate is already quite high, and I'm worried that he'll be penalized with a higher rate if I file a claim.

avatar
Carol Chung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“In this situation, since you were driving the car at the time of the accident, the accident will be filed under your name. So, technically speaking, any future rate increases will fall on your shoulders, not your son’s.
So, for example, if your son buys his own
car insurance
policy within the next few years, the accident won’t impact his rate because it will be filed under your name.
If you file a claim and your son stays on your policy for a while, then yes, he’ll face a higher overall rate, but so will you. “
View full answer 
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

Easiest way to compare and buy car insurance

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