Whether your insurance rates will increase depends on various factors, including who is determined to be at fault for the accident. If you are found not to be at fault, your rates might not rise, but this is not guaranteed. Factors such as your driving history, the severity of the accident, and your insurance provider’s policies can influence rate changes. It’s advisable to discuss this with your insurance agent to understand how a head-on collision might impact your premiums and explore options for minimizing potential increases.