After an at-fault accident, insurance premiums typically increase significantly, often by 20% to 50%, depending on factors like the severity of the accident, your driving history, and the insurer’s policies. For example, a driver with a previously clean record might see a smaller increase than one with past incidents. On average, premiums can rise by around $400 to $800 annually, but this can vary widely across states and insurers. Some companies offer accident forgiveness programs, which prevent rates from rising after a first accident, though this usually requires paying extra for the feature. Additionally, the impact of the rate increase usually lasts three to five years, during which time insurers consider you a higher risk. Shopping around, maintaining a clean record, and asking about possible discounts can sometimes help mitigate these increases in your premium.