Does being 50% or 80% at fault make a difference when it comes to insurance rates?

I was paying $195/m for two 4 door cars (Altima & Fusion SE). I recently got into a car accident, and at first determined I was 50% at fault and then 80%. My new insurance payment went up to $388/m. That is ridiculous. What other options do I have to save money? Also, they accident was in a center turning lane. I was half yielding to take a left, failing to yield behind me, which is where a commercial van came from behind me and hit my front driver side.

Aug 15, 2018 Houston, TX

Ava Lynch

Aug 15, 2018

No. The percentage that you were at fault will not make a difference in how your insurance rates are impacted. The insurance company just rates based on you being at fault in the accident. Accidents will impact your rates for up to five years, however, most companies do not rate as high for accidents over three years old. Here is some information on how much your rates can be impacted due to an accident in Texas. If you are unhappy with your rates, we are here to help you shop for a new policy. You can complete a quote online at or you can also give us a call at 833-768-7789. We will quote you with over 200 companies to help find you a lower rate. Good luck and if you have any other questions, don't hesitate to ask.

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