Ask An Agent


Get free car insurance advice on demand



Why does a not-at-fault accident affect my insurance?

I was rear-ended and the other driver paid for the damages to my vehicle through their insurance. When my policy renewed I saw that my rates went up so I called my agent and he told me that the increase was primarily due to the not-at-fault accident which will affect me for three years. If I was not in the wrong then why am I being punished for someone else’s negligence?

Agent Answer

Neil Richardson

Most people understand that if they were at-fault in a car crash then they will likely see an increase to their rates. Unfortunately, not-at-fault accidents can also affect the rate that you pay for car insurance. Because car insurance is all about risk, the more accidents you have, regardless of fault, the higher the probability is that you could be involved in another crash. This means that you pose a higher risk to insure for your company.

According to our State of Insurance analysis, a not-at-fault accident raised rates $98 per year in 2017. Below are some average rates for popular car insurance companies in the US with a not-at-fault accident listed.

Company Average Premium after a Not-At-Fault Accident
Allstate $1,745
Geico $1,365
Farmers $1,849
Progressive $1,904
State Farm $1,697
Liberty Mutual $1,784
USAA $1,670
Nationwide $1,369

Furthermore, even if you aren’t at-fault in a crash, your insurance company can still be liable for your injuries or damage to your vehicle through your uninsured motorist coverage. This coverage is designed to cover you in the event the at-fault driver does not have any coverage or enough cover to pay for your losses. Unfortunately, these situations increase the cost of doing business for the insurance company and that cost normally gets passed on to the customers. As irritating as that can be, you still have the ability to shop for a better rate with a new company and switch if you are unhappy.

Was this helpful?

24 30
  • Didn't Find What You Were Looking For?

    Ask us another question and an insurance expert will get back to you with an answer.

Looking to save money on your car insurance?

Learn More