If you cause an accident, your insurance rate will generally increase. It's impossible to estimate how much your premium will go up, because the insurance takes into account your prior driving record. If you had a clean driving record for the past two or three years before an accident that you caused, expect your rates to go up anywhere from 5 to 35 percent. In 2008. for example, AAA motorist insurance rates increased 30 percent for people who caused one accident, while State Farm was more lenient at 10 percent, according to Insure.com.
Your rates will almost never go up if you were involved in accident you didn't cause, unless you are involved in several accidents. However, Carinsurancerates.com states that insurance companies may increase your premium after a no-fault accident if you have had citations or were involved in minor accidents in the past year. Some insurance companies offer accident forgiveness, which means your rates do not go up after one accident.