How much does an at-fault claim raise my premium?

Most carriers surcharge 30–45% for 3 years after an at-fault auto accident. The exact figure depends on prior claims, state, and carrier.

Should I file a small claim?

If the claim is less than 2x your deductible, paying out-of-pocket is usually cheaper than the 3-year surcharge.

In most states, no — but carriers can re-rate at renewal in states that allow it. Keep documentation of fault.

Claims Impact Engine

Forecast surcharge percentages, new premiums, and the true 3-year cost of any auto or home insurance claim before you file.

Claim type

Current annual premium ($)

Prior claims (last 3 yr)

Years with current carrier

Severity

High

Premium increase

+37%

New premium

$2,465

3-yr cost of claim

$1,995

Recommendation

Pay out-of-pocket if claim is under 2x your deductible. Filing here likely costs more than it pays.

Surcharge persists for 3 years — switching carriers after year 2 usually clears it.