PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How long does it take for your car insurance to lower?
How much time does it usually take for your car insurance to get lower? I caused an accident two years ago and my premium has been super high ever since.
Joshua Levy · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“While
car insurance
increase can be frustrating, as a general rule, it takes your car insurance rates about 3 to 5 years to lower after an at-fault accident. Since your accident was two years ago, your premium should start dropping within the next few years. While that might sound like a long time, insurance companies use your rate increase to:
- pay for expenses associated with your claim.
- cover themselves for insuring you, who they now consider a higher risk.
Statistically, drivers who have caused an accident are more likely to be involved in another one. However, drivers who cause accidents because of recklessness or intoxication will experience a
more severe penalty
. Their insurance rate will increase significantly, and their higher premium could take up to 10 years to start dropping. To avoid rate increases in the future, try keeping a
clean driving record
and asking your provider about accident forgiveness. Accident forgiveness is an insurance benefit that prevents insurance providers from increasing your rates after a first accident. Depending on the provider, you may be eligible for accident forgiveness as early as three years after your incident!
If your provider doesn’t offer the kind of benefits you’d like to see, explore your other options with
Jerry
. A licensed broker, the Jerry app can do all the hard work of finding the cheapest quotes from the top insurance companies in minutes!”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies