What to do right after a crash
- Check for injuries and call 911 if anyone is hurt or the road is blocked.
- Move to safety if you can, and turn on hazard lights.
- Exchange details: names, phone numbers, insurance companies and policy numbers, license plates.
- Take photos of the vehicles, the scene, road conditions and any injuries.
- Get a police report where required or when there’s significant damage.
- Don’t admit fault at the scene; let the insurers decide.
- Tell your insurer promptly, even if you don’t plan to claim; most policies require it.
How much your rates go up
| Incident | Avg full coverage / yr | Increase |
|---|---|---|
| Clean record | $2,357 | – |
| Speeding ticket | $3,022 | +28% |
| At-fault accident | $3,514 | +49% |
| DUI | $4,424 | +88% |
35-year-old driver, good credit. Source: NerdWallet 2026 rate analysis.
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Sponsored listings. FindBestInsurance may be paid when you click them.Not-at-fault accidents
If the other driver was at fault, their liability insurance should pay. Many insurers don’t raise your rate for a not-at-fault crash, and some states limit increases in that case. If you have uninsured motorist coverage, it can help when the at-fault driver has no insurance.
Should you file a claim for a small accident?
For minor damage only to your own car, compare the repair cost with your deductible and the likely premium increase over three to five years. Paying a small repair yourself can sometimes cost less. But always report accidents involving another party or any injury.
How to lower your rate after an accident
- Compare quotes: some insurers penalize one accident much more than others.
- Ask about accident forgiveness for the future; some insurers waive the surcharge for a first accident.
- Take a defensive driving course where it earns a discount.
- Raise your deductible or drop collision on an older car (see full coverage vs liability).
- Drive safely: the surcharge falls away after three to five clean years.
Frequently asked questions
How much does insurance go up after an accident?
About 49% on average for an at-fault accident, from $2,357 to $3,514 a year for full coverage, based on NerdWallet’s 2026 data.
How long does an accident affect my insurance?
Usually three to five years, depending on the insurer and state.
Will a not-at-fault accident raise my rates?
Often not, and some states limit increases for not-at-fault crashes. Check with your insurer.
Should I switch insurers after an accident?
It’s worth comparing quotes, because insurers treat accidents differently. Make sure there’s no gap in cover when you switch.
Sources
- NerdWallet: How much is car insurance? (2026 rate analysis)
- Insurance Information Institute: What determines the price of an auto insurance policy?
Figures checked November 7, 2026. Insurance rules and prices change and vary by state and insurer; confirm details with the insurer or your state.