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5 States Where You Don’t Want To File an Auto Claim

By June 17, 2015January 27th, 2021Insurance

Consumers periodically have to make the decision on whether or not to make an auto insurance claim in certain states, where filing just one claim worth more than $2,000 could cause rates to jump by more than 40%. A recent Quadrant study suggests that insurance rate increases vary widely state by state, though some face jumps of nearly 70%. Massachusetts led the nation in rate increases, where drivers experience an average 67% increase in premiums after filing a claim of more than $2,000. The state was followed closely by California, with a 62% increase, New Jersey (59%), North Carolina (47%) and Minnesota (45%). The rate increases varied slightly for bodily injury claims related to auto accidents, though the same states led the pack with jumps ranging from 49% in Minnesota to 73% in Massachusetts.

Maryland drivers are the luckiest, according to the NAIC data, experiencing just a 20% increase after filing a claim. Georgia drivers can expect an increase between 29%-32%.

It is recommended that consumers need to do a careful analysis when making claims, especially if the claim is under $1,000.

If you have experienced rate increases, please contact us at 770-497-9400 or at to see if we can reduce your premium.