{"dataset":"What a Ticket or At-Fault Accident Costs (Filed Surcharges)","description":"Filed driving-record surcharge factors from carrier SERFF filings — how much a ticket, at-fault accident, or DUI raises the bodily-injury rating factor, relative to a clean record. Within-carrier only; never a cross-carrier merge.","publisher":"FastAutoQuote","source":"State DOI rate filings via SERFF (filingaccess.serff.com), verified against the source PDF","license":"https://fastautoquote.org/terms-of-service","canonical":"https://fastautoquote.org/what-a-ticket-or-accident-costs","pressContact":"press@fastautoquote.org","carriers":[{"carrier":"Allstate","state":"TN","serffTracking":"ALSX-G127036188","effectiveDate":"2011-05-16","structure":"Merit-points / violation-value tables (AA tier)","source":"Allstate P&C, Tennessee, Accident/Minor/Major Violation Surcharge Factor Tables (RP-21A/22A/23A), AA tier, bodily injury.","caveat":"AA rating tier; the accident value is a recent single at-fault accident (3 merit points). Surcharge layer only.","incidents":[{"kind":"CleanRecord","incident":"Clean record","filedFactor":1.00,"percentOverClean":0},{"kind":"MinorViolation","incident":"One minor/speeding violation","filedFactor":1.16,"percentOverClean":16},{"kind":"AtFaultAccident","incident":"One recent at-fault accident","filedFactor":1.30,"percentOverClean":30},{"kind":"MajorOrDui","incident":"One major violation","filedFactor":1.51,"percentOverClean":51}]},{"carrier":"State Farm","state":"VA","serffTracking":"SFMA-134688491","effectiveDate":"2025-12-11","structure":"Driver-record-level plan (STAR, SFF&C)","source":"State Farm Fire & Casualty, Virginia STAR Plan — chargeable accident = +3 levels = Level 4 = 15% Driver Record Charge.","caveat":"STAR plan (SF Fire & Casualty). A single minor violation lands at Level 3 (0% charge) in year one; charges decay years 2–3.","incidents":[{"kind":"CleanRecord","incident":"Clean record","filedFactor":1.00,"percentOverClean":0},{"kind":"MinorViolation","incident":"One minor violation (first year)","filedFactor":1.00,"percentOverClean":0},{"kind":"AtFaultAccident","incident":"One chargeable at-fault accident","filedFactor":1.15,"percentOverClean":15}]},{"carrier":"Mercury","state":"NV","serffTracking":"MERY-133976815","effectiveDate":"2024-06-26","structure":"Violation-type factor table (bodily injury)","source":"Mercury Casualty, Nevada — violation-type bodily-injury factor table (points-weighted).","caveat":"Bodily-injury factor; Nevada nonstandard book prices incidents steeply.","incidents":[{"kind":"CleanRecord","incident":"Not-at-fault / clean (0 points)","filedFactor":1.00,"percentOverClean":0},{"kind":"MinorViolation","incident":"One minor moving violation (2 pts)","filedFactor":1.63,"percentOverClean":63},{"kind":"AtFaultAccident","incident":"One at-fault accident (3 pts)","filedFactor":2.12,"percentOverClean":112},{"kind":"MajorOrDui","incident":"DUI over .08 BAC (4 pts)","filedFactor":2.24,"percentOverClean":124}]},{"carrier":"Progressive","state":"AZ","serffTracking":"PRGS-134736377","effectiveDate":"2025-12-19","structure":"Driving-record points curve (bodily injury)","source":"Progressive Advanced, Arizona — Driving Record Points Factor Table, bodily-injury column, base tenure band.","caveat":"Progressive's table is by driving-record POINTS, not incident type — an at-fault accident's point value varies, so it isn't shown as a single-accident factor.","incidents":[{"kind":"CleanRecord","incident":"0 points (clean)","filedFactor":1.00,"percentOverClean":0},{"kind":"Points","incident":"1 point","filedFactor":1.20,"percentOverClean":20},{"kind":"Points","incident":"2 points","filedFactor":1.26,"percentOverClean":26},{"kind":"Points","incident":"3 points","filedFactor":1.34,"percentOverClean":34},{"kind":"Points","incident":"4 points","filedFactor":1.52,"percentOverClean":52},{"kind":"Points","incident":"6 points","filedFactor":1.80,"percentOverClean":80}]}]}