Ask Anne Marie: If I Had an At-Fault Accident Six Years Ago, Will My Premiums Go Down on the Seventh Year?

Every week we’ll highlight a question sent to our resident insurance expert, Anne Marie Thomas. This week’s question comes from Borokoy who is asking how long an at-fault collision will affect his auto insurance premiums.

Borokoy asks:

“If I had an at-fault accident 6 years ago, will my insurance premiums go down on the 7th year?”

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An at-fault collision will factor into your premiums for years but eventually it will go away, explains Anne Marie.

“Insurance companies typically factor an at-fault accident into the premium you’re charged for six years from the date of your accident. If your rates increased as a result of the collision then you should not be charged for it once six years has passed.”

At-fault collisions can be costly, but some insurers are more forgiving than others. Compare auto insurance quotes to find your lowest rates. At you can easily compare quotes from more than 30 insurance providers in one go to make sure you’re getting the best price for your coverage.