Which state is the worst for car accident claims?
If you’re at fault in an accident, there’s a good chance your insurance rates are going up. But just how much more money can you expect to shell out? A new study by Insurance.com ranks the best and worst states for car accident claims, based on the average rates drivers pay following an at-fault accident.
Michigan is the worst state for accident claims, according to the study. Drivers here can expect their premiums to jump to an average of $3,502 after an at-fault accident, a 48 percent increase over pre-accident rates. Louisiana and California are not far behind, as drivers will pay an average of $3,348 and $3,081, respectively. In Louisiana, that’s a 50 percent increase from the average insurance rate in the state, and in California, it’s a whopping 73 percent hike.
Worst states for car accident claims
Best states for car accident claims
1. Michigan ($3,502)
2. Louisiana ($3,348)
3. California ($3,081)
4. Florida ($3,045)
5. Delaware ($2,592)
6. Rhode Island ($2,591)
7. Connecticut ($2,589)
8. Georgia ($2,552)
9. Minnesota ($2,503)
10. District of Columbia ($2,438)
1. Maine ($1,058)
2. Ohio ($1,170)
3. Virginia ($1,250)
4. Indiana ($1,259)
5. Idaho ($1,294)
6. North Dakota ($1,338)
7. New York ($1,360)
8. Vermont ($1,405)
9. Hawaii ($1,414)
10. Alaska ($1,458)
Michigan drivers can expect their premiums to jump an average of $3,502 after an at-fault accident.
Maine is the most forgiving state where drivers pay an average of $1,058 after an accident. This is a mere 20 percent increase over the average insurance rate of $884, which is also the lowest in the nation. Ohio, Virginia, Indiana, and Idaho also ranked high on the list of best states for car accident claims.
According to Insurance.com, rates increase by an average of $450, or 31 percent, after one at-fault accident involving more than $2,000 in damage. Many factors play a role in how much you’ll pay after an accident, including your insurance company, driving record, and where you live. Some insurance companies increase your rate considerably after a claim, while others do not.
Insurance.com says the cheapest car insurance company before a claim may not be the cheapest after you file a claim, so you can really benefit from shopping around for a new policy. “Our data research shows that for the insurers surveyed, a driver can save up to $4,300, the average being about $600, by comparing car insurance quotes after an accident claim,” said Penny Gusner, Insurance.com consumer analyst.