After an accident in 2025, expect your auto insurance quote to increase significantly—typically by 24% to 45% or more—depending on fault, severity, your state, and your insurer. Here’s what you need to know:

• • A single at-fault accident raises premiums by about 24% (roughly $208 more per year).

  • Some sources report increases up to 45% for full coverage, especially if you have prior incidents.

  • For example, average monthly liability premiums jump from $107 (clean record) to $139 (at-fault accident).

• • Accidents typically impact your rates for 3–5 years, though the effect lessens over time.

  • After 5 years, rates often start to drop, assuming no new incidents.

• When the Increase Takes Effect:

  • Your premium won’t change until your policy renews. This gives you time to shop around for better rates before renewal.

• Quotes Will Reflect the Accident:

  • Insurers will ask about recent accidents and check your driving record. Your quote will be higher if the accident is recent or severe.

  • At-fault accidents raise rates much more than not-at-fault accidents, but even not-at-fault incidents can sometimes cause a small increase unless you live in states like California or Oklahoma, where laws protect you from such hikes.

• • Age, location, prior violations, and claim severity all influence the size of your rate increase.

  • Multiple violations or claims will compound the increase.

• • Insurers penalize accidents differently. State Farm, Progressive, Travelers, and Geico are among the most affordable for drivers with recent accidents, with State Farm often offering the lowest full coverage rates.

• • Even with an accident, you may qualify for discounts (bundling, paying in full, safe vehicle features).

• • Programs like Progressive’s Snapshot can help lower your premium by tracking and rewarding safe driving after an accident.

• • Increasing your deductible or reducing optional coverages can help offset higher premiums, but ensure you maintain adequate protection.

•  after an at-fault accident—often 24% to 45%—lasting 3–5 years.

•  before your renewal, as some are much more forgiving than others for drivers with recent accidents.

• Discounts and usage-based programs can help mitigate the increase, but be prepared for higher quotes across the board.

Getting an auto insurance quote after an accident in 2025 means facing a notable rate increase, but shopping around, leveraging discounts, and considering usage-based insurance can help you find a more affordable policy—even with a recent claim on your record