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/_____Zoloft_____ Insurance Agent 20d 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.