WalletHub, Financial Company
The Hartford insurance rates go up by an average of 48% after an accident. Drivers who have The Hartford accident forgiveness will not see their car insurance rates go up at all after their first accident in 5 years, however. Even if the accident can't be forgiven, it will only affect your insurance rate for 3-5 years, depending on your state.
The exact amount that premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, and the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Repeat offenders also see relatively large rate hikes.
To learn more, check out WalletHub's complete review of The Hartford car insurance, as well as our guide to accident forgiveness.
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