Insurers base premium rates for policyholders on the perceived level of risk a policyholder presents. A “low-risk” policyholder is likely to have a less expensive auto insurance premium than a “high-risk” policyholder. The at-fault driver could face an increased premium rate after the accident, but your policy should not change if you did not cause an accident. However, you are likely required to report any accident to your insurer within a short time, and it’s best to meet this requirement, so you do not incur any penalties.