We don't have to tell you to think twice about causing an accident (we hope), but if you do happen to be at fault in a crash, there are a few states where insurance rates jump by as much as 67 percent. That's in Massachusetts, but California drivers who are at fault in a crash experience a substantial 62 percent rate hike, and New Jersey isn't far behind at 59 percent, according to a survey reported by the Los Angeles Times. The national average rate hike when a driver is at fault in a crash is 38 percent.

On the flip side, Maryland drivers experience the smallest increase at 20 percent. Alabama and Michigan also see relatively small increases of 22 percent and 23 percent, respectively. Of course, causing two accidents is a big no-no. Nationally, premiums increase 86 percent on average after two accidents, according to the survey. Though, if you're causing accident after accident, perhaps you have bigger problems to worry about than insurance rate hikes...


I'm reporting this comment as:

Reported comments and users are reviewed by Autoblog staff 24 hours a day, seven days a week to determine whether they violate Community Guideline. Accounts are penalized for Community Guidelines violations and serious or repeated violations can lead to account termination.


    • 1 Second Ago
  • 17 Comments
      Cherry Zhang
      • 11 Months Ago
      As a MA resident, I can attest. My BF saw a $100/month increase on his premium just after his first accident. Luckily, he was able to cancel his policy quickly and get one of those $35/month liability policies from 4autoinsurancequote, but if he didn't, it would've been over $150/month.
      Cool Disco Dan
      • 1 Year Ago
      I was in an accident in Maryland Feb f last year. I was rear ended and shoved into another car. In the courts it some how came to be all my fault The lady who hit me actually claimed my brake lights didn't come on until I hit the car in front of me before she hit me. The woman in front of me said she actually watched me hit her after saying that she came to a full stop ( she actually hit a van in front of her that she denied.) and it was less than a second before I hit her. The lawyers tried to attack my car for having street rod tags on it claiming it was dangerous because it was faster than stock. I shamed them both when I pointed out it had brake upgrades making it safer. But that didn't matter because I hate to say this but its a known fact in the county I was in that being white makes you guilty and I was the only white person there that day. The traffic courts here are so corrupt that insurance companies know it and try to mitigate the costs to what could be innocent people.
        Seal Rchin
        • 1 Year Ago
        @Cool Disco Dan
        I agree with the white part, unless you are a transgendered black lesbian no one in government will care (hey elections have consequences-next time vote), having said that any time you have modifications on your car, especially if they appear to be racing in nature.............people will look at you sideways. You come into the court being half guilty simply because many people who own similar cars speed all the time and do stuff they should not be doing.
        Indubitably
        • 1 Year Ago
        @Cool Disco Dan
        I'm sure it's worse in other countries.
      RIFZA
      • 1 Year Ago
      What ever it is, insurance companies are not really in a place to help you totally. They are a business entity and of course would gather as much profits possibles by taking advantages towards their costumer as cases like this.
        Steve K
        • 1 Year Ago
        @RIFZA
        If you knew anything about the art of actuary you would know how ridiculous you are. About half of drivers NEVER have an at-fault accident. The other half will average 8 at-fault accidents in their lifetime. In other words, if you have at-fault accident the odds are pretty good you'll have another. It's amazing their insurance rates don't triple. But hey, Americans have abandoned math. It's easier to just be a liberal whiner.
      dixie
      • 1 Year Ago
      This is why people at fault often leave the scene of the accident. Like if they bump your car in the parking lot--forget about a note admiting fault. Like if you're on a motorcycle or pedestrian and get accidentally hit and the driver doesn't stop.
      Teleny411
      • 1 Year Ago
      I can say in Jersey, the driving style seems to be: get in the car & immediately floor it regardless of place, context or going forward or reverse. Texting while driving seems to be a state requirement. A kid was recently ticketed driving 85mph in a mall parkinglot! Nj, NY & MA: worst drivers in the world.
      Steve K
      • 1 Year Ago
      About half of drivers will NEVER have an at-fault accident. The other half will average 8 in their lifetime. That tells me about half of people shouldn't even be driving. So if they have an accident the odds are pretty good they'll just keep having them. It's a miracle their insurance rates don't double, but you have to understand basic math to comprehend this and American's have a pretty horrible recent track record in that category. It's easier to just knee-jerk parrot "evil corporations" like a HuffPost robot.
      Mike
      • 1 Year Ago
      Living in MA I agree with that. The good news for me is I've never been in a crash where I was at fault.
      machineman
      • 1 Year Ago
      and that's why they call Massachusetts drivers "MASSHOLES"!!!!!!
      ffelix422
      • 1 Year Ago
      More reasons to hate MASS. Living there wasn't enough.
      Natzkie Ortiz
      • 1 Year Ago
      This is a great move from the authorities to ensure the safety of the people. I want to share my personal protection from SafeKidZone. It's a cell phone application which is very useful during an emergency situation. You can ask for an immediate help from family, friends and to the nearest 911 in your area by just pressing the panic button. To learn more about the service, check this out: http://safekidzone.com/#!/page_home.
      asdf
      • 1 Year Ago
      Will we be required to have auto insurance with completely autonomous cars?
        Seal Rchin
        • 1 Year Ago
        @asdf
        YES, airplanes have insurance on them, so do ships, those almost completely computer operated or partially so. I believe Ships are even GPS guided.
      behinddawindow
      • 1 Year Ago
      I think they forgot to mention that Massachusetts's Auto Insurance industry is heavily regulated here by the gov't. Allstate was not able to insure people until recently.
    • Load More Comments