Does Filing an Insurance Claim Raise Your Rates?

Yes — filing a claim often raises your rates, especially at-fault accidents. No-fault and comprehensive claims raise them less.

By the Home & Dime Editorial Team · Last updated 2026

Raises rates most

• At-fault accidents.
• Multiple claims in a few years.
• Large water-damage home claims.

Raises them less

• Comprehensive/no-fault claims.
• Claims where another driver was at fault.

Frequently asked questions

Does one claim raise rates?

Often, especially at-fault.

How long does it follow me?

Claims stay on your CLUE report about 5–7 years.

The bottom line

Claims — especially at-fault — usually raise rates for years. Skip filing for small losses near your deductible.

Related guides

• How Insurance Claims Work

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.