text: Depending on what auto insurance people have, when you get into an accident your insurance will go up. In an article "Just how much does car insurance go up after an accident?" it said that "Insurers once followed the Insurance Services Office's (ISO) standard of increasing a premium by 20 to 40 percent of the insurer's base rate after an accident." If you drive a brand new car that you pay for it, you wouldn't want your insurance to higher then your car bills. Specially if you are a young adult trying to figure things out, you will be making the worst mistake if you let your phone have your attention.