How many points does auto insurance go up after an accident?

Each insurance company uses it's own rating system for an accident surcharge. I am a licensed producer in Missouri, so can only answer for the company I work for and state, and we assess 2 pts for an accident, and 1 pt for a moving violation, which differs from what the Motor vehicle department assesses you with. With my company you could expect a 20% surcharge on a your premium for a 3 year period. So if your 6 month premium was $300.00, you could expect $360.00. After each year with no additional pts, the surcharge would start reducing, until the third year when it fell off. .