Will my insurance premium increase if I file an auto insurance claim with State Farm? (2026)

An accident can cause a lot of anxiety, whether you’re insured by State Farm or any other company. Besides worrying about the cost of repairs, you may wonder if your premium will increase if you file an insurance claim with State Farm. While your rates may increase, that’s not always the outcome. (Read More: State Farm Auto Insurance Review)

Let’s delve deeper into what auto insurance companies don’t tell you about filing auto insurance claims — so you’ll better understand why this may or may not happen.

When State Farm Raises Auto Insurance Rates After a Claim

Your premiums won’t always increase if you file an insurance claim with State Farm. For instance, if your car was damaged while parked, and you were not at fault, there’s a good chance your premium won’t increase. Instead, State Farm would attempt to recover the costs from the responsible party’s insurer. (Read More: Auto Insurance for Parked Cars)

In some states, if you’re at least 51% at fault, your premium could rise at your policy’s renewal.

Saving Money on Auto Insurance if You’re Accident-Free

While at-fault premiums might increase if you file an insurance claim with State Farm, the increase doesn’t have to be permanent. Eventually, your rates will go back down.

Additionally, if you avoid any accidents for at least three years, you may see auto insurance discounts on your policy for staying accident free. It isn’t really an auto insurance secret that State Farm offers this type of policy. It’s not exactly “forgiveness,” but it’s the next best thing, helping you keep your rates low and rewarding good driving. (Read More: Good Driver Auto Insurance Discounts)

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How State Farm Assesses Risk

When considering whether your premium will increase if you file an insurance claim with State Farm, it’s important to note that the company handles each submission on a case-by-case basis. It evaluates different elements, such as the nature of the accident, your driving history, and whether you were at fault.

Read More: How Your Driving Record Impacts Your Auto Insurance Rates

If it’s found that you’re at fault, remember that an increased premium isn’t a punishment. State Farm relies on statistical data to estimate future risk. If the data suggests that your recent at-fault accident shows you’re more likely to have another accident, the company will adjust your rate to reflect the higher risk. (Read More: Affordable High-Risk Auto Insurance)

When to File a State Farm Auto Insurance Claim

There’s no guarantee that your premium will increase if you file an insurance claim with State Farm. Determining who was at fault and evaluating your previous driving history heavily influences this outcome (Read More: Understanding How Auto Insurance Works). It’s always a good idea to communicate with your insurance company to understand the potential implications of filing a claim.