In Canada, an at-fault accident can significantly impact your insurance premiums. On average, your insurance rates may increase by 20% to 50%, depending on factors like your driving history, the severity of the accident, and your insurer’s policies. Some provinces, such as Ontario, operate under a no-fault system, meaning each driver’s insurer covers their own client’s damages, but being at-fault still leads to surcharges. If you have accident forgiveness on your policy, your first accident might not raise your premium. However, without this protection, the increase can last for up to six years. Maintaining a clean driving record, shopping around for quotes, or seeking discounts can help mitigate the financial impact.