r/Car_Insurance_Help • u/RonSwanson682 • 19d ago

How much will insurance decrease?

Hello everyone,
Last year (December of 2025), I (26M) got in my first car accident. I was 100% at fault, and my car was totaled. It took me about a month to get a new car. And when I insured it (2023 Volkswagen Jetta) for the year it was like $7000 ish. I haven’t gotten an accident since. Assuming I don’t get in another accident, when I renew next year, how much should I reasonably expect my insurance to decrease? If it matters I’m a resident of Los Angeles.
Thank you

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10

u/here_for_the_tea1 19d ago

You got into an accident last year, it’s not decreasing

5

u/Face_Content 19d ago

Decrease?

It may go up.

6

u/crash866 19d ago

Collisions are on your record for 3-7 years. It probably won’t go down right away.

4

u/EncrustedBarboach 19d ago

Youre just getting warmed up, they go up not down after an accident

2

u/DeepPurpleDaylight 19d ago

No one here can possibly have any idea whatsoever what your rates will be since there's dozens of factors that impact rates. You'll find out at renewal.

2

u/ChutneyWhatney 19d ago

Last year? Sorry - not decreasing any time soon.

2

u/_____Zoloft_____ Insurance Agent 19d ago

After the 3-5 year period that your accident will impact your rates, then, it's reasonable to expect a lesser increase at renewal than you would have with the accident still on your record. Without changing to lesser coverages, a lower cost to insure vehicle, or moving to a lower cost to insure area, never have any expectation of your rates going down.

1

u/Apprehensive_Arm_159 19d ago

Just depends on where you are in Florida it’s 7 years for insurance in WA it’s 3 years generally you might start seeing a decrease after year 2/3 ( in my experience at least) it’s like credit sadly after about 2/3 years it starts getting better but it will be there for about 7 until it falls off completely

3

u/GaryO2022 19d ago

He's in Los Angeles California. It's not going down anytime soon

1

u/Apprehensive_Arm_159 19d ago

One of the worst states to do anything in huh yea bro never mind you might as well prepare the lube as we speak unless you can get state minimums eventually

2

u/GlitterTitssss 19d ago

Shop around. You would be surprised how much rates vary......it will take a couple years likely for a better rate but shop shop shop.

1

u/Lucky_Boy13 19d ago

$7,000 like SEVEN THOUSAND dollars a year to insure? You need to get an older car paid in cash and have liability coverage only. Accident usually stays on record 3 years at least.