 That's an additional $82 per month if you're the one at fault. Like the everyday person, it feels like your rate is going to double if you have one car accident. Researchers say inflation and the increasing cost of repair is why auto rates are climbing so fast. Your credit score, type of car you drive, and where you live can also impact how much you pay. In Washington, Nicole D'Antonio, 1290 and 95.7 WHIO.