{ "schemaVersion": 1, "generatedAt": "2026-10-19", "notes": "Carrier x state at-fault ACCIDENT surcharge lookup for the collision calculator (C1), the auto counterpart of site/data/carrier-rate-tiers.json. Precedence: (1) stateSurchargeShield[state][0] when present, because state law binds every carrier (a shield can bar the surcharge for a not-at-fault or below-threshold accident, cap its years, or cap its size); (2) carriers[carrier].byState[state][0]; (3) carriers[carrier].default; (4) industryTypical (49% for 3 years). byState and stateSurchargeShield values are versioned arrays in reverse-chronological order: index 0 is current, later entries are prior versions kept so past verdicts stay auditable. sourceType values: 'state_statute_shield', 'carrier_guidance', 'serff_filing', 'industry_typical', 'unverified'. As of 2026-10-19 no SERFF filing has been read (serffFilingId is null everywhere); pctIncrease comes from NerdWallet's published rate table (industry_typical), and forgiveness facts come from each carrier's own site (carrierGuidance, carrier_guidance). tier: low (<35%), mid (35-55%), high (>55%), varies (no carrier-specific figure). forgivenessAvailable: yes | no | limited (part of the program excluded) | unconfirmed (carrier says 'not in all states' without naming them) | unverified | unknown. See site/data/auto/README.md and worker/SERFF-AUTO-SURCHARGE-FINDINGS.md.", "startingStates": [ "OH", "TX", "FL", "CA", "GA", "PA", "IL", "NY" ], "industryTypical": { "tier": "mid", "pctIncrease": 49, "yearsSurcharged": 3, "sourceType": "industry_typical", "sourceCitation": "NerdWallet, 'How Much Does Insurance Increase After an Accident?' (page shows 'Updated Jul 10, 2024'; text cites 'NerdWallet's October 2026 analysis'): average annual full-coverage rates, 35-year-old driver, 2023 Toyota Camry LE, one at-fault accident with $10,000 property damage and no injuries", "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "quote": "Full coverage car insurance rates can go up an average of 49% a year if you cause an accident, NerdWallet's October 2026 analysis found.", "yearsQuote": "An at-fault accident can increase your auto insurance rates for at least three years, depending on your state and insurer.", "verifiedOn": "2026-10-19", "note": "National average for full coverage: $2,361 clean vs $3,524 after one at-fault accident (+49.3%). The page's text gives a 29% to 60% range across large insurers; its own table runs from 29.2% (State Farm) to 73.8% (GEICO), so the table and the text disagree at the top. 3 years is the floor the page states ('at least three years'); some states and insurers use 5." }, "stateSurchargeShield": { "CA": [ { "notAtFaultBar": true, "atFaultTest": "Principally at fault: your actions were at least 51% of the legal cause. Only principally at-fault accidents count in the driving-record rating factor.", "dollarThreshold": 1000, "thresholdBasis": "Property-damage-only accidents count only if total loss or damage caused by the accident exceeded $1,000; any injury or death accident qualifies.", "thresholdOn": "total_damage", "notAtFaultScope": "all", "yearsCap": null, "maxSurcharge": null, "forgivenessByLaw": false, "note": "Rebuttable no-fault presumptions (lawfully parked, rear-ended without a conviction, only the other driver convicted, reported hit-and-run, animals or falling objects, unavoidable hazard). The Good Driver Discount (at least 20% off) looks back 3 years and is lost for any at-fault injury accident or more than one violation point (an at-fault property-only accident is one point). Several carriers do not offer accident forgiveness in California.", "rules": [ { "citation": "Cal. Code Regs. tit. 10, § 2632.13(b)", "url": "https://www.law.cornell.edu/regulations/california/10-CCR-2632.13", "quote": "unless the driver's actions or omissions were at least 51 percent of the legal cause of the accident", "summary": "Principally at fault means at least 51% of the legal cause.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "Cal. Code Regs. tit. 10, § 2632.13(b)", "url": "https://www.law.cornell.edu/regulations/california/10-CCR-2632.13", "quote": "for an accident that resulted only in damage to property, the total loss or damage caused by the accident exceeded $1000", "summary": "$1,000 threshold for property-damage-only accidents.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "Cal. Code Regs. tit. 10, § 2632.13(c)", "url": "https://www.law.cornell.edu/regulations/california/10-CCR-2632.13", "quote": "rebuttably presumed as provided in Evidence Code Section 603 that a driver is not principally at-fault for an accident under any of the following circumstances", "summary": "Six no-fault presumptions.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "Cal. Ins. Code § 1861.025(b)", "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=1861.025", "quote": "principally at fault that resulted only in damage to property shall receive one violation point count", "summary": "Good Driver Discount: 3-year lookback.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "Cal. Ins. Code § 1861.02(b)", "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS§ionNum=1861.02", "quote": "shall be at least 20 percent below the rate the insured would otherwise have been charged for the same coverage", "summary": "Good Driver Discount is at least 20%.", "status": "verified", "verifiedOn": "2026-10-19" } ], "sourceType": "state_statute_shield", "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19" } ], "NY": [ { "notAtFaultBar": true, "atFaultTest": "No percentage test. Listed circumstances can't be surcharged (lawfully parked, rear-ended without a conviction, reported hit-and-run within 24 hours, at-work commercial or for-hire driving, rideshare, car sharing); a bodily-injury surcharge requires that the insured was at fault.", "dollarThreshold": 2000, "thresholdBasis": "No surcharge or points for an accident with aggregate property damage of $2,000 or less, unless there is bodily injury or more than one property-damage accident in the experience period.", "thresholdOn": "total_damage", "notAtFaultScope": "all", "yearsCap": null, "maxSurcharge": "Merit-rating surcharge capped at 2x the otherwise applicable liability and collision premium (multiplicative plans) or 3x the base premium (additive plans).", "forgivenessByLaw": false, "note": "No surcharge where at least one third of the property damage was recovered by reimbursement or judgment. Ins. Law § 2335 was set to expire July 1, 2026; L.2026, ch. 150 (S10582/A11367, signed June 26, 2026, effective immediately) extended it to June 30, 2029. nysenate.gov's law page still shows the old expiry.", "rules": [ { "citation": "N.Y. Ins. Law § 2335(a); L.2026, ch. 150", "url": "https://www.nysenate.gov/legislation/laws/ISC/2335", "quote": "has had an accident that does not result in aggregate damage to property in excess of two thousand dollars", "summary": "$2,000 property-damage threshold.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "11 NYCRR § 169.1(a)", "url": "https://www.law.cornell.edu/regulations/new-york/11-NYCRR-169.1", "quote": "An accident that does not result in aggregate damage to property in excess of $2,000 shall not result in the assignment of points or any surcharge", "summary": "Merit-rating version of the $2,000 threshold.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "11 NYCRR § 169.1(d)(1)", "url": "https://www.law.cornell.edu/regulations/new-york/11-NYCRR-169.1", "quote": "No points or surcharge may be imposed for an accident occurring under the following circumstances: (i) when the motor vehicle was lawfully parked", "summary": "Listed no-surcharge circumstances.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "11 NYCRR § 169.1(e)", "url": "https://www.law.cornell.edu/regulations/new-york/11-NYCRR-169.1", "quote": "the maximum surcharge that can be added to an insured's premium as a result of merit rating is two times the otherwise applicable premium", "summary": "Surcharge cap.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "L.2026, ch. 150 (S10582)", "url": "https://www.nysenate.gov/legislation/bills/2025/S10582", "quote": "This act shall take effect immediately", "summary": "Extends Ins. Law § 2335 to June 30, 2029.", "status": "verified", "verifiedOn": "2026-10-19" } ], "sourceType": "state_statute_shield", "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19" } ], "PA": [ { "notAtFaultBar": true, "atFaultTest": "At fault in causing or contributing to the accident (no percentage test); nine deemed-not-at-fault circumstances (lawfully parked, reimbursed, judgment against the other party, rear-ended without a conviction, only the other driver convicted, reported hit-and-run, animals, falling objects, emergency responder).", "dollarThreshold": 2350, "thresholdBasis": "No surcharge, rate penalty or point unless the insurer's aggregate cost over the preceding 3 years exceeds the cap above the deductible. The cap is CPI-indexed: $2,350 effective July 1, 2026 (statutory base $650).", "thresholdOn": "insurer_paid", "notAtFaultScope": "all", "yearsCap": null, "maxSurcharge": null, "forgivenessByLaw": false, "note": "No surcharge if the insurer recovers at least 60% of the paid claim. Insurers must disclose how many years a surcharge lasts; the law sets no maximum.", "rules": [ { "citation": "75 Pa.C.S. § 1793(a)(1)", "url": "https://www.palegis.us/statutes/consolidated/view-statute?iFrame=true&txtType=HTM&ttl=75&div=00.&chpt=17&sctn=93&subsctn=0", "quote": "unless it is determined that the insured was at fault in contributing to the accident giving rise to the claim", "summary": "No premium increase without fault.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "31 Pa. Code § 67.33(b)", "url": "https://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter67/chap67toc.html", "quote": "An insurer may not assess a premium surcharge for the payment of a claim arising from one or more accidents where the insured was not at fault", "summary": "Not-at-fault bar and deemed-not-at-fault list.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "75 Pa.C.S. § 1799.3(a), (e)", "url": "https://www.palegis.us/statutes/consolidated/view-statute?iFrame=true&txtType=HTM&ttl=75&div=00.&chpt=17&sctn=99&subsctn=3", "quote": "aggregate cost to the insurer for any person injured or property damaged is determined to be less than $650 in excess of any self-insured retention or deductible", "summary": "Cost threshold (base $650, CPI-indexed).", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "Pa. Ins. Dept. Notice 2026-01, 56 Pa.B. 156", "url": "https://www.pacodeandbulletin.gov/secure/pabulletin/data/vol56/56-1/41.html", "quote": "Effective July 1, 2026, the Insurance Department (Department) has increased the threshold (cap) to $2,350.", "summary": "Current threshold.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "75 Pa.C.S. § 1799.3(b)", "url": "https://www.palegis.us/statutes/consolidated/view-statute?iFrame=true&txtType=HTM&ttl=75&div=00.&chpt=17&sctn=99&subsctn=3", "quote": "reimbursed by or on behalf of the named insured or other resident operator for at least 60% of the total amount of the paid claim", "summary": "60% recovery bar.", "status": "verified", "verifiedOn": "2026-10-19" } ], "sourceType": "state_statute_shield", "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19" } ], "FL": [ { "notAtFaultBar": true, "atFaultTest": "Substantially at fault, determined in good faith from the insurer's file; safe harbors include lawfully parked, rear-ended by a same-direction vehicle without a conviction, hit-and-run reported within 24 hours, not convicted while the other driver was, adjudicated not liable.", "dollarThreshold": null, "thresholdBasis": null, "thresholdOn": null, "notAtFaultScope": "all", "yearsCap": 3, "maxSurcharge": null, "forgivenessByLaw": false, "note": "Only accidents in the 36 months before the policy's effective date may be used, and an accident surcharge may not last more than 36 months. Removing a discount because of an accident counts as a surcharge. The insurer must give the complete proof of fault on request.", "rules": [ { "citation": "Fla. Stat. § 626.9541(1)(o)3.", "url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9541.html", "quote": "unless the insurer's file contains information from which the insurer in good faith determines that the insured was substantially at fault in the accident.", "summary": "Substantially-at-fault requirement.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "Fla. Admin. Code R. 69O-175.008", "url": "https://www.flrules.org/gateway/readFile.asp?sid=0&tid=2799728&type=1&file=69O-175.008.doc", "quote": "may not remain in effect in excess of 36 months", "summary": "36-month cap on accident surcharges.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "Fla. Admin. Code R. 69O-175.002", "url": "https://www.flrules.org/gateway/readFile.asp?sid=0&tid=2799437&type=1&file=69O-175.002.doc", "quote": "such prohibition shall apply equally to insurers removing or eliminating a premium discount or credit because the insured was involved in a motor vehicle accident", "summary": "Discount removal counts as a surcharge.", "status": "verified", "verifiedOn": "2026-10-19" } ], "sourceType": "state_statute_shield", "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19" } ], "GA": [ { "notAtFaultBar": true, "atFaultTest": "Not defined in the statute; the bar covers multivehicle accidents where the insured was not at fault.", "dollarThreshold": null, "thresholdBasis": null, "thresholdOn": null, "notAtFaultScope": "all", "yearsCap": null, "maxSurcharge": null, "forgivenessByLaw": false, "note": "Georgia's $750 / 36-month figures in O.C.G.A. § 33-24-45 limit non-renewal only, not surcharges.", "rules": [ { "citation": "O.C.G.A. § 33-9-40", "url": "https://law.justia.com/codes/georgia/title-33/chapter-9/section-33-9-40/", "quote": "No insurer shall surcharge the premium or rate charged on a policy of motor vehicle insurance", "summary": "No surcharge for a not-at-fault multivehicle accident.", "status": "verified", "verifiedOn": "2026-10-19" } ], "sourceType": "state_statute_shield", "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19" } ], "OH": [ { "notAtFaultBar": true, "atFaultTest": "Not at fault = not a proximate cause and no conviction or guilty / no-contest plea. Applies to single-vehicle accidents and accidents with an uninsured or underinsured motorist only.", "dollarThreshold": null, "thresholdBasis": null, "thresholdOn": null, "notAtFaultScope": "limited", "yearsCap": null, "maxSurcharge": null, "forgivenessByLaw": false, "note": "Ohio has no general bar on surcharging not-at-fault multivehicle accidents; R.C. § 3937.31 expressly permits lawful surcharges.", "rules": [ { "citation": "Ohio Rev. Code § 3937.22", "url": "https://codes.ohio.gov/ohio-revised-code/section-3937.22", "quote": "No insurer shall increase the cost of a private passenger automobile insurance policy based on the insured's involvement in a single motor vehicle accident during the policy period", "summary": "Single-vehicle not-at-fault bar.", "status": "verified", "verifiedOn": "2026-10-19" }, { "citation": "Ohio Rev. Code § 3937.23", "url": "https://codes.ohio.gov/ohio-revised-code/section-3937.23", "quote": "based on the insured's involvement in a motor vehicle accident with an uninsured or underinsured motorist", "summary": "Uninsured / underinsured motorist not-at-fault bar.", "status": "verified", "verifiedOn": "2026-10-19" } ], "sourceType": "state_statute_shield", "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19" } ] }, "statesWithoutShield": { "TX": { "note": "No Texas statute or rule bars surcharging a not-at-fault accident, sets a dollar threshold, or caps the years. Tex. Ins. Code § 1953.051(b) bars raising premiums solely for a claim that was not paid or payable, and 28 TAC § 5.7016 limits non-renewal (not surcharges) for not-at-fault claims.", "verifiedOn": "2026-10-19" }, "IL": { "note": "No Illinois statute or rule limits accident surcharges. IDOI's Private Passenger Auto Review Requirements Checklist (Feb. 2025) lists four surcharge rules, none about accidents.", "verifiedOn": "2026-10-19" } }, "carriers": { "State Farm": { "default": { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "pctIncrease computed from NerdWallet's table ($1,985 clean vs $2,565 after one at-fault accident). yearsSurcharged uses the industry floor of 3; State Farm's general article says most accidents stop affecting rates after three to five years; it is not a stated State Farm surcharge period.", "carrierGuidance": { "sourceType": "carrier_guidance", "surcharge": "It varies. State Farm gives no percentage; it says chargeable (at-fault) claims are generally more likely to raise your renewal price.", "surchargeUrl": "https://www.statefarm.com/simple-insights/auto-and-vehicles/will-my-insurance-increase-after-a-claim", "surchargeQuote": "Chargeable claims are generally more likely to affect pricing at renewal.", "forgivenessUrl": "https://www.statefarm.com/simple-insights/auto-and-vehicles/will-my-insurance-increase-after-a-claim", "forgivenessQuote": "Review your coverage, claim classification and whether your policy includes any forgiveness or savings feature.", "forgivenessExceptionsUrl": null, "verifiedOn": "2026-10-19" } }, "byState": { "OH": [ { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Ohio SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "TX": [ { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Texas SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "FL": [ { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Florida SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "CA": [ { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "California SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "GA": [ { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Georgia SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "PA": [ { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Pennsylvania SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "IL": [ { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Illinois SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "NY": [ { "tier": "low", "pctIncrease": 29.2, "yearsSurcharged": 3, "forgivenessAvailable": "unverified", "forgivenessRule": "No State Farm accident forgiveness product page was found (statefarm.com/insurance/auto/accident-forgiveness returns 404). State Farm advises checking whether your policy includes any forgiveness feature.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "New York SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ] } }, "Progressive": { "default": { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Free Small Accident Forgiveness (first claim of about $500 or less) and free Large Accident Forgiveness (5+ years as a customer, accident- and violation-free) through Loyalty Rewards; a paid add-on forgives one accident per policy period. Paid add-on not available in all states.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "pctIncrease computed from NerdWallet's table ($2,277 clean vs $3,416 after one at-fault accident). yearsSurcharged uses the industry floor of 3; Progressive says the length varies by insurer and state; no number given.", "carrierGuidance": { "sourceType": "carrier_guidance", "surcharge": "Progressive says an accident you cause will almost always raise your rate; it gives no percentage.", "surchargeUrl": "https://www.progressive.com/answers/how-accidents-impact-insurance/", "surchargeQuote": "Accidents you cause will almost always raise your insurance rate.", "forgivenessUrl": "https://www.progressive.com/answers/how-accidents-impact-insurance/", "forgivenessQuote": "Your rate won't go up if you have a small claim of $500 or less.", "forgivenessExceptionsUrl": "https://www.progressive.com/auto/discounts/loyalty-rewards/", "verifiedOn": "2026-10-19" } }, "byState": { "OH": [ { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Free Small Accident Forgiveness (first claim of about $500 or less) and free Large Accident Forgiveness (5+ years as a customer, accident- and violation-free) through Loyalty Rewards; a paid add-on forgives one accident per policy period. Paid add-on not available in all states.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Ohio SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "TX": [ { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Free Small Accident Forgiveness (first claim of about $500 or less) and free Large Accident Forgiveness (5+ years as a customer, accident- and violation-free) through Loyalty Rewards; a paid add-on forgives one accident per policy period. Paid add-on not available in all states.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Texas SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "FL": [ { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Free Small Accident Forgiveness (first claim of about $500 or less) and free Large Accident Forgiveness (5+ years as a customer, accident- and violation-free) through Loyalty Rewards; a paid add-on forgives one accident per policy period. Paid add-on not available in all states.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Florida SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "CA": [ { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "limited", "forgivenessRule": "Progressive's Loyalty Rewards program, which delivers its free Small and Large Accident Forgiveness, is not available in California. Whether the paid add-on is available there is not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "California SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "GA": [ { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Free Small Accident Forgiveness (first claim of about $500 or less) and free Large Accident Forgiveness (5+ years as a customer, accident- and violation-free) through Loyalty Rewards; a paid add-on forgives one accident per policy period. Paid add-on not available in all states.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Georgia SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "PA": [ { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Free Small Accident Forgiveness (first claim of about $500 or less) and free Large Accident Forgiveness (5+ years as a customer, accident- and violation-free) through Loyalty Rewards; a paid add-on forgives one accident per policy period. Paid add-on not available in all states.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Pennsylvania SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "IL": [ { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Free Small Accident Forgiveness (first claim of about $500 or less) and free Large Accident Forgiveness (5+ years as a customer, accident- and violation-free) through Loyalty Rewards; a paid add-on forgives one accident per policy period. Paid add-on not available in all states.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Illinois SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "NY": [ { "tier": "mid", "pctIncrease": 50.0, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Free Small Accident Forgiveness (first claim of about $500 or less) and free Large Accident Forgiveness (5+ years as a customer, accident- and violation-free) through Loyalty Rewards; a paid add-on forgives one accident per policy period. Paid add-on not available in all states.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "New York SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ] } }, "GEICO": { "default": { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "GEICO Claim Forgiveness waives the surcharge for the first qualifying at-fault loss, per policy (not per driver). Earned free after 5 years accident-free (may not apply under 21), or purchased.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "pctIncrease computed from NerdWallet's table ($2,020 clean vs $3,510 after one at-fault accident). yearsSurcharged uses the industry floor of 3; GEICO says an accident can affect rates for three to five years on average (general statement).", "carrierGuidance": { "sourceType": "carrier_guidance", "surcharge": "GEICO publishes an industry range, not its own surcharge: rates typically rise 0% to 50% or more after an at-fault accident.", "surchargeUrl": "https://www.geico.com/claims/claimsprocess/accident-impact-on-rate/", "surchargeQuote": "Insurance rates typically increase anywhere from 0% to 50% or more after an at-fault accident", "forgivenessUrl": "https://www.geico.com/auto-insurance/claim-forgiveness/", "forgivenessQuote": "We waive the surcharge associated with the first qualifying loss caused by an eligible rated driver on your policy.", "forgivenessExceptionsUrl": "https://www.geico.com/auto-insurance/claim-forgiveness/", "verifiedOn": "2026-10-19" } }, "byState": { "OH": [ { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "GEICO Claim Forgiveness waives the surcharge for the first qualifying at-fault loss, per policy (not per driver). Earned free after 5 years accident-free (may not apply under 21), or purchased.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Ohio SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "TX": [ { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "GEICO Claim Forgiveness waives the surcharge for the first qualifying at-fault loss, per policy (not per driver). Earned free after 5 years accident-free (may not apply under 21), or purchased.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Texas SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "FL": [ { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "GEICO Claim Forgiveness waives the surcharge for the first qualifying at-fault loss, per policy (not per driver). Earned free after 5 years accident-free (may not apply under 21), or purchased.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Florida SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "CA": [ { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "no", "forgivenessRule": "GEICO Claim Forgiveness is not available in California.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "California SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "GA": [ { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "GEICO Claim Forgiveness waives the surcharge for the first qualifying at-fault loss, per policy (not per driver). Earned free after 5 years accident-free (may not apply under 21), or purchased.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Georgia SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "PA": [ { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "GEICO Claim Forgiveness waives the surcharge for the first qualifying at-fault loss, per policy (not per driver). Earned free after 5 years accident-free (may not apply under 21), or purchased.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Pennsylvania SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "IL": [ { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "GEICO Claim Forgiveness waives the surcharge for the first qualifying at-fault loss, per policy (not per driver). Earned free after 5 years accident-free (may not apply under 21), or purchased.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Illinois SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "NY": [ { "tier": "high", "pctIncrease": 73.8, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "GEICO Claim Forgiveness waives the surcharge for the first qualifying at-fault loss, per policy (not per driver). Earned free after 5 years accident-free (may not apply under 21), or purchased.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "New York SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ] } }, "Allstate": { "default": { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness feature: rates won't go up after an accident even if you were at fault. Cost, first-accident limit and per-driver scope not stated. Not available in every state (none named).", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "pctIncrease computed from NerdWallet's table ($3,210 clean vs $5,018 after one at-fault accident). yearsSurcharged uses the industry floor of 3; Allstate cites the Insurance Information Institute's industry average of about three years; not an Allstate-specific period.", "carrierGuidance": { "sourceType": "carrier_guidance", "surcharge": "It varies. Allstate says a premium may rise after an accident but not automatically, depending on fault, severity, cost, record and state rules.", "surchargeUrl": "https://www.allstate.com/resources/car-insurance/do-rates-increase-after-accident", "surchargeQuote": "Your car insurance premium may increase after an accident, but it isn't automatic.", "forgivenessUrl": "https://www.allstate.com/auto-insurance/accident-forgiveness", "forgivenessQuote": "your rates won't go up after an accident — even if it was your fault.", "forgivenessExceptionsUrl": null, "verifiedOn": "2026-10-19" } }, "byState": { "OH": [ { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Allstate says forgiveness is not available in every state and does not name them; confirm it for Ohio.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Ohio SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "TX": [ { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Allstate says forgiveness is not available in every state and does not name them; confirm it for Texas.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Texas SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "FL": [ { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Allstate says forgiveness is not available in every state and does not name them; confirm it for Florida.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Florida SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "CA": [ { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Allstate says forgiveness is not available in every state and does not name them; confirm it for California.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "California SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "GA": [ { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Allstate says forgiveness is not available in every state and does not name them; confirm it for Georgia.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Georgia SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "PA": [ { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Allstate says forgiveness is not available in every state and does not name them; confirm it for Pennsylvania.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Pennsylvania SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "IL": [ { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Allstate says forgiveness is not available in every state and does not name them; confirm it for Illinois.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Illinois SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "NY": [ { "tier": "high", "pctIncrease": 56.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Allstate says forgiveness is not available in every state and does not name them; confirm it for New York.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "New York SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ] } }, "USAA": { "default": { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional accident forgiveness coverage in most states can prevent a premium increase after a future at-fault accident (chargeable under USAA's Merit Rating Plan). Cost not stated. Not available in all locations (none named).", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "pctIncrease computed from NerdWallet's table ($1,587 clean vs $2,258 after one at-fault accident). yearsSurcharged is the carrier's own statement.", "carrierGuidance": { "sourceType": "carrier_guidance", "surcharge": "It varies by policy location and state law; USAA gives no percentage. A major accident in the past 5 years can also affect the rate offered.", "surchargeUrl": "https://www.usaa.com/support/insurance/auto/faq/", "surchargeQuote": "It depends on your policy location and state laws. Any driving-related accident could affect your policy for about 3 years.", "forgivenessUrl": "https://www.usaa.com/support/insurance/auto/faq/", "forgivenessQuote": "You may be able to prevent a future accident-related premium increase by choosing the accident forgiveness coverage option we offer in most states.", "forgivenessExceptionsUrl": null, "verifiedOn": "2026-10-19" } }, "byState": { "OH": [ { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "USAA says forgiveness is not available in every state and does not name them; confirm it for Ohio.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Ohio SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "TX": [ { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "USAA says forgiveness is not available in every state and does not name them; confirm it for Texas.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Texas SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "FL": [ { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "USAA says forgiveness is not available in every state and does not name them; confirm it for Florida.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Florida SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "CA": [ { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "USAA says forgiveness is not available in every state and does not name them; confirm it for California.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "California SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "GA": [ { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "USAA says forgiveness is not available in every state and does not name them; confirm it for Georgia.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Georgia SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "PA": [ { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "USAA says forgiveness is not available in every state and does not name them; confirm it for Pennsylvania.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Pennsylvania SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "IL": [ { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "USAA says forgiveness is not available in every state and does not name them; confirm it for Illinois.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Illinois SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "NY": [ { "tier": "mid", "pctIncrease": 42.3, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "USAA says forgiveness is not available in every state and does not name them; confirm it for New York.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "New York SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ] } }, "Nationwide": { "default": { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Paid Accident Forgiveness add-on in select states covers the first at-fault accident. Nationwide's own pages conflict on whether it can be used once per policy or without limit.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "pctIncrease computed from NerdWallet's table ($2,663 clean vs $4,226 after one at-fault accident). yearsSurcharged uses the industry floor of 3; No general Nationwide surcharge period found.", "carrierGuidance": { "sourceType": "carrier_guidance", "surcharge": "Nationwide says rates can rise significantly after an at-fault accident (its teen-driver article says up to 30%). Fender Bender Forgiveness skips the surcharge when Nationwide's payout is under its threshold ($2,000 in its example).", "surchargeUrl": "https://www.nationwide.com/personal/insurance/auto/coverages/types/accident-forgiveness", "surchargeQuote": "When you cause an accident, your auto insurance rates can rise significantly.", "forgivenessUrl": "https://www.nationwide.com/personal/insurance/auto/coverages/types/accident-forgiveness", "forgivenessQuote": "Available in select states, Accident Forgiveness is an auto insurance coverage option that potentially helps you avoid a rate increase after your first at-fault accident.", "forgivenessExceptionsUrl": null, "verifiedOn": "2026-10-19" } }, "byState": { "OH": [ { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Nationwide lists Accident Forgiveness as an optional coverage on its Ohio page.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Ohio SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "TX": [ { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Nationwide lists Accident Forgiveness as an optional coverage on its Texas page.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Texas SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "FL": [ { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Nationwide says forgiveness is not available in every state and does not name them; confirm it for Florida.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Florida SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "CA": [ { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Nationwide says forgiveness is not available in every state and does not name them; confirm it for California.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "California SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "GA": [ { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Nationwide says forgiveness is not available in every state and does not name them; confirm it for Georgia.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Georgia SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "PA": [ { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Nationwide lists Accident Forgiveness as an optional coverage on its Pennsylvania page.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Pennsylvania SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "IL": [ { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Nationwide lists Accident Forgiveness as an optional coverage on its Illinois page.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Illinois SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "NY": [ { "tier": "high", "pctIncrease": 58.7, "yearsSurcharged": 3, "forgivenessAvailable": "unconfirmed", "forgivenessRule": "Nationwide says forgiveness is not available in every state and does not name them; confirm it for New York.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "New York SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ] } }, "Farmers": { "default": { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional paid Accident Forgiveness on Farmers Flex Personal and Smart Plan Automobile policies forgives one at-fault accident every 3 years; Flex customers are offered it free after 36 continuous months.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "pctIncrease computed from NerdWallet's table ($4,042 clean vs $6,051 after one at-fault accident). yearsSurcharged uses the industry floor of 3; Farmers' learning-center article says about three years depending on state and insurer (general statement).", "carrierGuidance": { "sourceType": "carrier_guidance", "surcharge": "It varies. Farmers says only that you may pay a higher premium at renewal after the facts are reviewed.", "surchargeUrl": "https://www.farmers.com/faq/auto/", "surchargeQuote": "after the facts of the situation are reviewed, you may be required to pay a higher premium", "forgivenessUrl": "https://www.farmers.com/auto/", "forgivenessQuote": "Accident forgiveness applies for 1 accident every 3 years.", "forgivenessExceptionsUrl": "https://www.farmers.com/auto/", "verifiedOn": "2026-10-19" } }, "byState": { "OH": [ { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional paid Accident Forgiveness on Farmers Flex Personal and Smart Plan Automobile policies forgives one at-fault accident every 3 years; Flex customers are offered it free after 36 continuous months.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Ohio SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "TX": [ { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional paid Accident Forgiveness on Farmers Flex Personal and Smart Plan Automobile policies forgives one at-fault accident every 3 years; Flex customers are offered it free after 36 continuous months.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Texas SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "FL": [ { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional paid Accident Forgiveness on Farmers Flex Personal and Smart Plan Automobile policies forgives one at-fault accident every 3 years; Flex customers are offered it free after 36 continuous months.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Florida SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "CA": [ { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "no", "forgivenessRule": "Farmers Accident Forgiveness is not available in California.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "California SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "GA": [ { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional paid Accident Forgiveness on Farmers Flex Personal and Smart Plan Automobile policies forgives one at-fault accident every 3 years; Flex customers are offered it free after 36 continuous months.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Georgia SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "PA": [ { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional paid Accident Forgiveness on Farmers Flex Personal and Smart Plan Automobile policies forgives one at-fault accident every 3 years; Flex customers are offered it free after 36 continuous months.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Pennsylvania SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "IL": [ { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional paid Accident Forgiveness on Farmers Flex Personal and Smart Plan Automobile policies forgives one at-fault accident every 3 years; Flex customers are offered it free after 36 continuous months.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Illinois SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "NY": [ { "tier": "mid", "pctIncrease": 49.7, "yearsSurcharged": 3, "forgivenessAvailable": "no", "forgivenessRule": "Farmers Accident Forgiveness is not available in New York.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "New York SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ] } }, "Liberty Mutual": { "default": { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness: your price won't go up because of your first accident. Requires 5 years accident- and violation-free (5 consecutive clean years for drivers 25 and under); new customers only per the footnote. Cost not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Not in NerdWallet's table; pctIncrease uses the 49% national average. yearsSurcharged uses the industry floor of 3; Liberty Mutual's general article says claims typically stay on your record 3-5 years; not Liberty Mutual-specific.", "carrierGuidance": { "sourceType": "carrier_guidance", "surcharge": "Liberty Mutual says you can expect an increase if you're at fault and you don't have Accident Forgiveness; no percentage given.", "surchargeUrl": "https://www.libertymutual.com/vehicle/auto-insurance/coverage/accident-forgiveness", "surchargeQuote": "without Accident Forgiveness, you can expect your rate to increase after if you're at fault.", "forgivenessUrl": "https://www.libertymutual.com/vehicle/auto-insurance/coverage/accident-forgiveness", "forgivenessQuote": "You may be eligible for this benefit if you have 5 years of accident-free driving.", "forgivenessExceptionsUrl": "https://www.libertymutual.com/vehicle/auto-insurance/coverage/accident-forgiveness", "verifiedOn": "2026-10-19" } }, "byState": { "OH": [ { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness: your price won't go up because of your first accident. Requires 5 years accident- and violation-free (5 consecutive clean years for drivers 25 and under); new customers only per the footnote. Cost not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Ohio SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "TX": [ { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness: your price won't go up because of your first accident. Requires 5 years accident- and violation-free (5 consecutive clean years for drivers 25 and under); new customers only per the footnote. Cost not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Texas SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "FL": [ { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness: your price won't go up because of your first accident. Requires 5 years accident- and violation-free (5 consecutive clean years for drivers 25 and under); new customers only per the footnote. Cost not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Florida SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "CA": [ { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "no", "forgivenessRule": "Liberty Mutual Accident Forgiveness is not available in California.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "California SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "GA": [ { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness: your price won't go up because of your first accident. Requires 5 years accident- and violation-free (5 consecutive clean years for drivers 25 and under); new customers only per the footnote. Cost not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Georgia SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "PA": [ { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness: your price won't go up because of your first accident. Requires 5 years accident- and violation-free (5 consecutive clean years for drivers 25 and under); new customers only per the footnote. Cost not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Pennsylvania SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "IL": [ { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness: your price won't go up because of your first accident. Requires 5 years accident- and violation-free (5 consecutive clean years for drivers 25 and under); new customers only per the footnote. Cost not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "Illinois SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ], "NY": [ { "tier": "varies", "pctIncrease": 49, "yearsSurcharged": 3, "forgivenessAvailable": "yes", "forgivenessRule": "Optional Accident Forgiveness: your price won't go up because of your first accident. Requires 5 years accident- and violation-free (5 consecutive clean years for drivers 25 and under); new customers only per the footnote. Cost not stated.", "sourceType": "industry_typical", "serffFilingId": null, "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "effectiveDate": null, "verifiedOn": "2026-10-19", "reviewOn": "2027-04-19", "note": "New York SERFF filing lookup pending (worker/SERFF-AUTO-SURCHARGE-FINDINGS.md); figures as the national default." } ] } }, "Other / not sure": { "default": { "tier": "mid", "pctIncrease": 49, "yearsSurcharged": 3, "sourceType": "industry_typical", "sourceCitation": "NerdWallet, 'How Much Does Insurance Increase After an Accident?' (page shows 'Updated Jul 10, 2024'; text cites 'NerdWallet's October 2026 analysis'): average annual full-coverage rates, 35-year-old driver, 2023 Toyota Camry LE, one at-fault accident with $10,000 property damage and no injuries", "sourceUrl": "https://www.nerdwallet.com/insurance/auto/learn/how-much-insurance-goes-up-after-accident", "quote": "Full coverage car insurance rates can go up an average of 49% a year if you cause an accident, NerdWallet's October 2026 analysis found.", "yearsQuote": "An at-fault accident can increase your auto insurance rates for at least three years, depending on your state and insurer.", "verifiedOn": "2026-10-19", "note": "National average for full coverage: $2,361 clean vs $3,524 after one at-fault accident (+49.3%). The page's text gives a 29% to 60% range across large insurers; its own table runs from 29.2% (State Farm) to 73.8% (GEICO), so the table and the text disagree at the top. 3 years is the floor the page states ('at least three years'); some states and insurers use 5.", "forgivenessAvailable": "unknown", "forgivenessRule": "Ask your insurer whether your policy has accident forgiveness and whether you qualify.", "serffFilingId": null, "effectiveDate": null, "reviewOn": "2027-04-19" }, "byState": {} } } }