Will my insurance rates go up after a total loss?

It depends on who is at-fault for the accident. Your rate doesn't rise based on how much money was spent towards repairing your vehicle, it rises based on your driving/accident history. If you were in an accident and deemed not at-fault, supposedly your rate will not go up. However, I've seen my own rate go up AFTER an accident finally dropped off my record AND I had no tickets or citations, and the reason was given as "insurance rates have risen all over the state".