Car insurance after an at-fault accident
What an at-fault crash does to your rate, how long it lasts, and how to recover.
How an at-fault accident changes your rate
An at-fault accident is weighed more heavily than a minor ticket because it is a paid or reserved claim, not just a violation. The bigger the claim and the more serious the injuries, the larger the surcharge.
- A minor at-fault fender-bender: a noticeable but manageable increase
- An at-fault accident with injuries or a large payout: a bigger surcharge, sometimes non-renewal
- An at-fault accident on top of tickets or a lapse: likely non-standard pricing
How long the surcharge lasts
Most carriers surcharge an at-fault accident for about three years from the date of the accident, then it stops affecting your rate if you stay clean. Some serious accidents are counted longer. As with tickets, the accident and your premium run on the carrier's rating window, so time and a clean record are what bring the rate back down.
How to get a better rate after an accident
- Shop carriers - the same accident is priced very differently company to company
- Ask whether your carrier offers accident forgiveness (and whether you qualified before the crash)
- Keep adequate liability limits; do not drop to the minimum just to save money
- Keep coverage continuous - a lapse on top of an accident compounds the problem
- If you were non-renewed, look at non-standard auto insurance
If your carrier non-renews you
A serious or repeat at-fault accident can lead a standard carrier to non-renew. That does not make you uninsurable - non-standard markets are built for drivers with accidents on their record, and a broker shops them for you. See multiple tickets or accidents if you have more than one.
We shop accidents to the right market
Tell us what happened and your record, and we will find the carrier that prices your accident most favorably - standard or non-standard - and keep your coverage continuous. Start a free quote.
Frequently asked questions
How much does an at-fault accident raise insurance in California?
It depends on the severity, whether anyone was injured, and your prior record, but an at-fault accident usually raises your rate more than a ticket. A minor fender-bender is a manageable increase; a serious accident with injuries can be much larger or lead to non-renewal. Carriers price accidents very differently, so shopping matters.
How long does an at-fault accident stay on my insurance?
Most carriers surcharge an at-fault accident for about three years from the date of the accident, then it stops affecting your rate if you stay clean. Some serious accidents are counted longer. A clean record after the accident is what brings your premium back down.
Does a not-at-fault accident raise my rate in California?
It should not. If the other driver was at fault, your California rate should not go up because of it. If your carrier does surcharge a not-at-fault claim, ask why and shop a company that does not - a broker can find one.
Can I still get insurance after an at-fault accident?
Yes. Even if a standard carrier non-renews you, non-standard markets specialize in drivers with an at-fault accident on their record. An independent broker shops those markets so you stay covered and can move back to standard pricing as the accident ages.
What is accident forgiveness?
Accident forgiveness is a carrier feature that waives the surcharge for your first at-fault accident if you qualified for it before the crash. Not every carrier offers it and eligibility rules vary, so ask your insurer - or a broker - whether it applies to your policy.
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Tell us what you need and a licensed California broker will reach out with real options. Simple situation or complicated one, we shop it the same way.
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