Does Car Insurance Go Up When You Have An Accident? 
Rules vary from state to state . I am an agent in California and the answer is anabsoluteyes . If you are at-fault in an accident you will besurchargedfor that accident under the California proposition 103 guidelines . Driving record is a major rating factor in California . In other states there may be a little moreleniency Talk to your local agent about how anaccidentmay effect your rates . 