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How long do car insurance claims stay on your record?
I filed a car insurance claim last year and my insurance rates have gone up. How long will this last?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Generally,
car insurance
companies look at the last three to five years of your driving history when determining your rate—but it also depends on factors like where you live. - In some states—or if you had an accident with serious damage—a claim could affect your rate for up to seven years.
- Sometimes your rates won’t go up after an accident where you were not at fault, but other times any claim could cause an increase in your insurance premiums.
A lot of factors that determine how much your rate will go up, but on average, you’ll see your insurance premiums raised by about 41% after you file a claim.
- If you don’t file any additional claims, that rate should drop a little each time you renew your policy—and eventually, it will be gone entirely
- You may also notice a rate increase due to the loss of a safe driver or accident-free discount—it can take a while, but if you avoid future incidents, you can eventually earn these back.
If you need to save on your insurance costs in the meantime, try shopping for quotes with an
insurance comparison tool
like the Jerry
app.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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