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California Car Insurance Premiums After an Accident


When you’re in a car accident, concerns about the costs of auto repair and medical bills are high on your list. The last thing you want to see is an increase in your car insurance premium as well.

Unfortunately, for California residents, an increase in the premium is practically inevitable. A recent study by InsuranceQuotes and Quadrant Information Services finds that California has the highest average post-accident premium increases in the country.

On average, the study found, a driver’s premiums in California jump by 78 percent after a crash – which means that California drivers find themselves paying for an accident long after their car is fixed and their medical needs are met.

By contrast, the average premium increase nationwide after a crash is only 44 percent. In several states, including New Mexico, Montana, and New York, the average increase is only about 25 percent.

Why do California drivers pay so much more after filing an auto accident claim? One reason may be the way in which California insurance companies must calculate premiums. In 1998, California voters passed Proposition 103, which prohibited insurance companies from using certain factors, such as credit scores, to determine their rates. Instead, insurance companies must focus on driving safety records, average miles driven per year, and years of driving experience.

Proposition 103 sought to make rate determinations fairer by connecting them to actual driving behaviors and patterns. However, some commentators believe that the law has backfired, leading to much higher rate increases when a driver does experience an accident – even if the accident was not the driver’s fault.

Insurance companies maintain relationships with experienced attorneys and other parties whose responsibility is to minimize the amount the company pays in claims. Fight back with an experienced attorney who knows how insurance companies work and how to negotiate for the fair compensation you need. To learn more, contact The Paris Firm at 909.551.4040 or via our online contact form today.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney/client relationship. If you are seeking legal advice, please contact our law firm directly.




Our founder, attorney Eric D. Paris, has represented injured people in Southern California for more than 22 years. Prior to founding The Paris Firm, Mr. Paris worked as an insurance defense lawyer, which gave him great insight to the insurance companies evaluation of claims and their tactics to minimize your recovery for your injury matter. You will personally meet with an attorney and your case will be handled by an attorney with the assistance of our paralegals and support staff.

2 We Have A Record of
Great Results

We are proud of our track record of results. We understand what your case is truly worth, and we will not advise you to settle for less than what you deserve.

3 We Care About
Our Clients

We develop personal relationships with our clients. We will get to know you and your family. At The Paris Firm, you will never be treated as a number or a case file. We have earned the trust of our clients by treating them the way we would treat a member of our own family. We get to know our clients on a personal level which allows us to best present your side to the jury.

5 We Will Get You The Medical Attention You
Need At No Cost To You

It is extremely important to obtain the right medical care after you suffer an injury. Sometimes it’s difficult to identify and find the type of specialist you need. The Paris Firm has a large network of medical specialists who can provide you the care you need with no out-of-pocket expense.

4 We Will Go To Trial To Get You
What You Deserve

Our goal is to obtain maximum financial compensation for our clients. Sometimes that means taking your case to Trial. You do not have to settle for a law firm that always settles out of court for less than a case is truly worth. When it is in your best interest, The Paris Firm will hire the best experts and utilize all of our resources and take your case to Trial and present your matter to a jury.

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You can rest assured that your legal matter will be handled with the highest degree of professionalism and care with our state of the art technology. Our firm uses cutting edge technology with software and presentation tools which enable us to make a compelling case on your behalf at trial or in mediation.