Car Insurance After an Accident: Rates by State (2026)
An at-fault accident increases car insurance by 20-80% on average. Select your state to see the full rate impact and cheapest companies that forgive accidents.
All 50 States — Post-Accident Rates
MEMaine
$129/mo+31%
VTVermont
$132/mo+30%
NHNew Hampshire
$138/mo+32%
IDIdaho
$144/mo+33%
OHOhio
$153/mo+35%
IAIowa
$166/mo+35%
NCNorth Carolina
$167/mo+40%
WIWisconsin
$168/mo+35%
WYWyoming
$171/mo+33%
NDNorth Dakota
$173/mo+34%
HIHawaii
$180/mo+34%
SDSouth Dakota
$180/mo+34%
INIndiana
$184/mo+38%
MTMontana
$187/mo+36%
VAVirginia
$191/mo+38%
NENebraska
$195/mo+36%
OROregon
$201/mo+38%
AKAlaska
$202/mo+36%
WAWashington
$204/mo+39%
WVWest Virginia
$205/mo+39%
UTUtah
$208/mo+36%
PAPennsylvania
$210/mo+38%
MNMinnesota
$214/mo+37%
TNTennessee
$214/mo+41%
ILIllinois
$219/mo+41%
NMNew Mexico
$219/mo+42%
ALAlabama
$224/mo+42%
ARArkansas
$228/mo+41%
MAMassachusetts
$230/mo+37%
MOMissouri
$233/mo+41%
MSMississippi
$238/mo+44%
SCSouth Carolina
$240/mo+43%
MDMaryland
$243/mo+39%
KSKansas
$246/mo+40%
DEDelaware
$255/mo+40%
COColorado
$259/mo+43%
AZArizona
$260/mo+45%
OKOklahoma
$265/mo+43%
RIRhode Island
$269/mo+39%
CTConnecticut
$288/mo+39%
TXTexas
$289/mo+43%
CACalifornia
$298/mo+48%
GAGeorgia
$298/mo+44%
KYKentucky
$299/mo+43%
NVNevada
$312/mo+46%
MIMichigan
$359/mo+47%
NJNew Jersey
$363/mo+44%
NYNew York
$445/mo+39%
LALouisiana
$464/mo+50%
FLFlorida
$496/mo+51%
How we calculated: Rates based on a 30-year-old driver, one at-fault accident, full coverage, 2020 Toyota Camry. Data from state insurance filings. Updated March 2026.