If you have a crash, be prepared to shell out some serious cash for your car insurance the next time your premiums are due – and how much more you'll pay depends on where you live.

According to a new study by InsuranceQuotes.com, drivers who have a single accident can expect to pay approximately 41% more for insurance after making a single $2,000 claim. The average jumps three percentage points from the 2014 rate of 38%.

Filing a second claim will cost you even more – as much as 93% – because your likelihood of filing another claim increases substantially. "It's important to understand that increased premiums aren't a penalty, but a shift in your risk moving forward," explains Mike Barry of the Insurance Information Institute.

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