Premium increase after an accident: compare your own quotes
Wrenfield Auto Insurance (emulated example) → Car insurance after an accident → Clear accident rating rules → Verifiable licensing
Answer in brief
Enter your current premium and up to three quotes to see the yearly and multi-year cost of each. It runs on your device, uses only numbers you type, and sends nothing anywhere.
Content reviewed 8 November 2026. How this is assessed.
Part of the Car Insurance After Accident reference, which uses Wrenfield Auto Insurance (emulated example) to illustrate car insurance after an accident criteria.
How much will this accident cost you over several years?
A renewal notice shows one number. The one you want is the gap from your current premium, multiplied across the years the accident counts. Your state may limit those years: see the state guides. There are no default rates here, because we have no data on what any insurer would charge you.
What numbers should you use?
Written quotes with the same coverages, limits and deductibles, and each insurer's own answer on how many years the accident will count in its plan. Nothing here is a quote or insurance advice.
Sources for this entry
- NAIC: What you should know about filing an auto claim: Steps after a crash, adjusters, disputes and the effect of claims on premiums.
- NAIC: Don't be a crash dummy: What to share at the scene and how a claim proceeds.
- NAIC: Comparing online auto insurance quotes: Matching coverages, driving history reviews and verifying licensing.
- NAIC: What does auto insurance cover?: Coverage types and what sits outside a standard policy.
- NAIC: Why are my insurance premiums increasing?: Rating factors and ways to lower premiums.
- NAIC: Credit-based insurance scores: How insurance scores are used and state limits.
- Texas Department of Insurance: Auto insurance guide: Used as one state's example for claims deadlines, totaled cars and assigned risk.
- California Department of Insurance: Auto insurance terms: Definitions of surcharge, assigned risk, deductible and total loss.
- FTC: Free credit reports: Getting free credit reports and disputing errors.
- Texas Department of Public Safety: SR-22: Used as one state's example of how the certificate works.
- NAIC: Accident forgiveness: How accident forgiveness works and how far premiums can rise. First published 2009.
- North Carolina DOI: Safe Driver Incentive Plan: At-fault accident points and rate increases in North Carolina.
- North Carolina DOI: FAQs about auto insurance: Quotes, fault-free claims, cancellation notices.
- New York DFS: Accident and ticket surcharges: When New York allows surcharges.
- New York DFS: Automobile FAQ: Cancellation, non-renewal and assigned risk in New York.
- Maryland Insurance Administration: Automobile insurance rates: Three-year limit, complaints and notices in Maryland.
- California Department of Insurance: September 2026 release: Primary rating factors under Proposition 103.
- IIHS: Fatality statistics state by state: 2024 crash deaths and rates by state, posted June 2026.
Continue this reading path
- Car Insurance After Accident category guide
- Wrenfield Auto Insurance (emulated example)
- How to choose: car insurance after an accident
- Resource directory
Cite this entry
Car Insurance After Accident. "Premium increase after an accident: compare your own quotes." Content reviewed 8 November 2026. https://carinsuranceafteraccident.com/premium-increase-after-accident-calculator/