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From experience ours did not raise until the end / beginning of the following policy and was based on the dollar amount of damage. The damages was a new bumper for a new Toyota ( $3,200) and the cost went up appr. $75 for a six month period. We also had her take a defensive driving course after this (even though she had already completed drivers ed as required in this state) and this lowered the amount to $45.

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Q: How much will car insurance raise for a 16-year-old in a fender bender?
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