Reviews Report Car insurance premiums can increase by about 45%–50% on average after one at-fault accident, with recent national studies spanning roughly the low‑40% to mid‑50% range; surcharges commonly last 3–5 years and typically take effect at your next renewal, according to NerdWallet, Forbes Advisor, The Zebra and ValuePenguin. Where you live and the cost … Continue reading Your Car Insurance Costs Can Increase 44% After an Accident. Should You File a Claim?