Will my insurance premium increase if I file a car insurance claim with Progressive?

Filing a claim in the wake of an accident can be a daunting task, especially if you’re worried about cost increases. It doesn’t always result in cost increases with Progressive, however.

You’re likely familiar with how to file a car insurance claim, but you may be wondering, “Will premiums increase if you file an insurance claim with Progressive?” There are some determining factors that lead to a rate increase when filing a claim, which we explore below.

What to Know About Rate Increases When Filing a Claim With Progressive

Rate increases with Progressive very much correspond to the nature of your claim. A collision claim is going to have different determining factors than a comprehensive claim, for example. You can check our car insurance coverage guide for more information on the types of insurance available.

Collision claims when you’re at fault will see your insurance premium go up. Faultless claims can also see rate increases, in an odd twist. Progressive might determine you are prone to future accidents, and your driving record will carry the accident regardless.

Other Factors That Might Influence Your Progressive Premium

Comprehensive claims can also see an increase in your premium. This might not always be the case, however, and strongly depends on the overall cost of the claim.

Claims of less than $500 might see your current rate remain the same. Overall, Progressive insurance reviews indicate that the company is relatively understanding when dealing with auto insurance claims.

How to Lower Your Progressive Car Insurance Rates After a Claim

There are a number of factors that affect car insurance rates. You can lower your rate after an accident, but it isn’t an immediate process.

Clean driving in the aftermath of an accident can see an eventual decrease in your car insurance rate. You might also qualify for discounts in the event of purchasing a new vehicle, but that will still rely greatly on your driving history.

Lower rates can also be had when considering your age, gender, and insurance history. If you have a great history of making on-time payments, you could very easily see a lower-than-average rate.

What to Do When Your Premium Increases After Filing a Car Insurance Claim With Progressive

You could likely see a premium increase in the aftermath of a claim. As mentioned, it will greatly depend on the nature of the claim.

If you were found at fault by both law enforcement and Progressive, you will, unfortunately, see a rate increase. Other factors come into play depending on the type of claim and will differ on a case-by-case basis.