Question: how much will my insurance go up after fender bender?
Answer: In general, minor fender-benders are surcharged the same -- whether $200 or $2,000. If your annual premium is $1,500 and you're surcharged 25% on top of a rating tier change of 10%, your premium will jump to $2,062.50 -- a $562.50 increase. This will stay in effect for three years.