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Average yearly premium increase on average after small claim .
$450
These claims still count as “insurance activity.” Even though the dollar amounts (e.g., $200 tow or $600 rental) may seem small, insurers often log them as separate claims. This contributes to your claim history and risk profile, potentially triggering premium hikes. Anecdotes from real drivers suggest that a $200 roadside claim has led to $900 higher renewal quotes
Commissions
$2,025
Property-Damage Accident (w/ rental + tow filed as separate claims) Average increase: ~45%. Example: $1,500 annual premium → +$675/year → +$2,025 over 3 years. View source
One at-fault claim can raise your rate.
28%
“Policygenius reports that even one at-fault claim can raise your rate by an average of 28%.”
