# Does filing an uninsured motorist claim increase my insurance premium?

Amelia Palmer · August 5, 2026

> The increase in insurance premiums after filing an uninsured motorist claim varies significantly, with reports showing that it can range from a mere...

The increase in insurance premiums after filing an uninsured motorist claim varies significantly, with reports showing that it can range from a mere $30 to about $150 annually, depending on the state and insurer policies.

Uninsured motorist claims typically result in a smaller increase in premiums when compared to claims made for collisions where you are at fault.

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This difference stems from the way insurance companies assess risk related to fault.

According to a nationwide study, insurance companies raised premiums by an average of $932 after no-fault accidents, which included cases where uninsured motorists were involved, highlighting how specific claims can significantly affect rates.

Some states have protections against insurance companies increasing premiums solely due to an uninsured motorist claim.

For instance, regulations in these jurisdictions prevent rate hikes in instances where the at-fault party has no insurance.

When you file an uninsured motorist claim, your insurance company may not label you as at fault for the accident, but they can still adjust your rates based on their underwriting criteria, which considers the nature and frequency of claims.

A poll conducted by The Zebra indicated that, on average, a no-fault collision could lead to an annual insurance premium increase of about 67%, showing that even when fault is not assigned, filing a claim can have financial repercussions.

The premium increase after filing a claim can also be influenced by the type of coverage you have; for example, having uninsured motorist coverage may lead to a more favorable outcome in terms of premium adjustments compared to collision coverage.

Insurers often have different algorithms for calculating premium changes post-claim, meaning that the same claim can result in varying increases depending on the specific insurance company you are with.

Although an uninsured motorist claim might seem like a safe bet to avoid penalty in a no-fault scenario, consistently high claim frequency in your profile can lead to an overall increase in perceived risk by the insurer, affecting future rates.

In many cases, drivers who file an uninsured motorist claim may not notice an immediate increase in premiums because insurers often conduct reviews during policy renewal, which might be several months later.

Premium increases can be part of broader rating tiers set by insurers, meaning that drivers with a less-than-stellar claims record, including filing for uninsured motorist claims, will end up paying higher rates even if a specific claim does not directly impact their renewal rate.

After filing a claim, the timing of your claim, along with your driving history, can play a crucial role; insurers often consider individual risk profiles which can lead to different increases for different drivers even under similar circumstances.

Insurers utilize data analytics and machine learning to assess risk, meaning that with access to vast amounts of past claims and outcomes, they can identify patterns predicting how likely a customer is to file a claim again.

Some insurers might even offer programs that monitor driving behavior via telematics to provide personalized premium adjustments, which can mitigate the effects of filing a claim like that of an uninsured motorist.

The nature of the accident (e.g., severity, damages) and your response can also impact how the insurance company views your risk; for example, if the claim involved extensive damages or injuries, this might contribute more to a rate increase.

Understanding state regulations regarding uninsured motorist claims can be pivotal, as some states mandate that insurance providers cannot increase rates after claims related to uninsured motorist coverage.

There are instances where, due to company policy or state law, insurers may not just raise rates for individuals who file claims but instead evaluate their entire pool of insured drivers, leading to broader rate adjustments across the board.

An important factor to consider is the deductible associated with uninsured motorist claims; higher deductibles can exempt certain claims from affecting premium rates when calculated during policy renewals.

Over time, consistently filing claims—even for uninsured motorist accidents—can lead to being labeled as a high-risk driver, potentially resulting in premium increases due to the cumulative history of claims rather than isolated incidents.

As auto insurance markets evolve, understanding how specific claims impact premiums requires consideration of both the mathematical modeling behind risk assessment and the empirical data derived from historical claims, which can change industry-wide practices over time.

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