How to Use the Post-Accident Insurance Increase Calculator
After a car accident, your renewal premium typically rises based on the size of the claim and your percentage of fault. Injury claims generally push premiums up more than property-damage-only claims, and the lower your share of fault, the smaller the surcharge that actually applies at renewal.
This calculator takes your current annual premium, the accident type (minor property damage, general property damage, minor injury, or major/fatal injury), and your fault percentage, then applies a base surcharge rate for that accident type scaled by your fault share to estimate the dollar increase and your new renewal premium.
Real-world surcharges vary widely by insurer, state, policy type, number of prior claims, and how many years of accident history the company considers — commonly 3 to 5 years. Treat this calculator as a rough estimate for planning purposes, and always confirm the actual renewal premium with your insurance company directly.
Frequently Asked Questions
Not always. At-fault accidents typically raise your renewal premium, but accidents where the other party is 100% at fault, or minor incidents below your deductible, often don't trigger a surcharge.
Injury claims (bodily injury or worse) generally raise premiums more than property-damage-only claims, and larger claims typically produce bigger renewal increases.
It varies by insurer, but accident history commonly affects pricing for around 3-5 years, after which continued claim-free years gradually restore your discount.