If another driver is at-fault in an accident, it should not affect your insurance rates.
If you are found to be at-fault in a car accident or partially at-fault, your insurance premiums may go up.
If the damage from the accident is only property damage of $1,850 or less, and you do not receive a moving violation conviction as a result of the accident, then you will probably not get any points on your driver’s license. Your insurance premium may stay the same.
Insurance rates are determined by your driving record, the type of car you drive, what you use your car for (you are charged less if you drive less), and where you live.