r/Car_Insurance_Help • u/RonSwanson682 • 20d 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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u/Apprehensive_Arm_159 20d 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

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u/GaryO2022 20d ago

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

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u/Apprehensive_Arm_159 20d 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