Yes, USAA can raise rates for an accident that is not your fault, although the exact increase depends on your driving record, your claims history, and your state’s laws. Accidents that aren’t the policyholder’s fault tend to increase rates by about 4%, on average, across major insurers. However, in certain states, such as California and Oklahoma, insurers cannot increase a policyholder’s premiums after a not-at-fault accident.
USAA Auto Insurance Rates by State & Driving Record
| State | Clean Driving Record | After an Accident (Not Your Fault) | After an At-Fault Accident |
| California | $487 per year | $487 per year | $1,350 per year |
| Texas | $488 per year | $488 per year | $2,027 per year |
| New York | $872 per year | $960 per year | $4,647 per year |
| Pennsylvania | $491 per year | $491 per year | $2,219 per year |
Note: Rates are an approximation based on a 45-year-old male driver with minimum coverage. Actual rates will vary.
While no-fault accidents have only a minor impact on premiums, an at-fault accident can result in a much larger increase. To help reduce the risk of your rates going up after an accident, USAA offers an accident forgiveness program for eligible policyholders.
Check out WalletHub’s guide to accident forgiveness to learn more.
This answer was first published on 06/23/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
