Why wouldn't I file a claim?While there are plenty of reasons not to involve your insurer with a fender-bender, the majority of us keep our mouths shut hoping to avoid a premium increase. What will one claim do to your premium? The rate jump will vary by insurer and state; some might not raise your rates at all - but most will. Using Insurance.com's auto-insurance quote-comparison tool, we looked at rates for a 30-year-old Dallas driver with a clean record piloting a 2014 Chevrolet Cruze; then we added an accident that included a liability claim and a collision claim totaling $1,400, and then a second, similar accident on top of that one.
|No claim||One claim||Two claims|
|Company A||$1,948||$2,774 (42% increase)||$4,982 (156% increase)|
|Company B||$2,046||$2,524 (23% increase)||$2,808 (37% increase)|
|Company C||$2,152||$2,856 (33% increase)||$3,890 (81% increase)|
|Company D||$2,336||$4,028 (72% increase)||$5,086 (118% increase)|
|Company E||$2,450||$4,838 (97% increase)||$9,354 (282% increase)|