Top 5 Most Expensive States to Make a Car Insurance Claim

The average yearly insurance premium rose again to 2.1% to $815. With premiums rising every year it is important to know just how much making a claim can affect your monthly premium. According to our 2nd annual study your auto insurance rate can jump up as much as 41% after making just one claim in some states. If you dare to make a second claim your insurance premium could even double!

The Top 5 States you don’t want to make a auto insurance claim in are:

Number 5 – The Land of 10,000 Lakes, Minnesota; with a 48% premium increase
Number 4 – The Tar Heel State, North Carolina; with a 52% premium increase
Number 3 – The Garden State, New Jersey; with a 62% premium increase
Number 2 - The Golden State, California, with a 75% premium increase
Number 1 –The Bay State Massachusetts, with a 76% premium increase (up from 67% in 2014)

Is location the primary reason for insurance going up after making a claim?

Location can affect how your premium will increase, but what type of auto claim you submit is important.. If there is a bodily injury or property damage (including collision) which are the most expensive claims to cover rates can go up as much as 45 to 41% Comprehensive claims such as theft or any other non-collision events at the end of the day don’t effect rates as much only 2%.
If you are still debating whether or not to make a claim, check out our “should I make a claim” calculator on website, which further helps you decide whether making an auto claim is the right decision for you.

Submit your question!

Expert Blog

Laura Adams is a personal finance expert, award-winning author, and consumer advocate. As Senior Insurance Analyst, she represents insuranceQuotes in the media and works to make sure consumers protect their financial futures by having the right kinds of insurance.

learn More

Featured Article