How Much Will My Car Insurance Rise After An Accident? 
That really depends upon your policy and your state 's regulations . Talk to your Insurance Professional about the specific terms and conditions of your policy . If you do file a claim , some companies will not rais rates for your first accident if you have either purchased that option or if you are a long time policy holder and that benefit is built in . Some if not all states will not allow a surcharge unless the loss tops $ 1,000 . If one is imposed , then it will come on the anniversary renewal of your policy and will be included for upwards of 3 years normally . 