If you don't make a claim, your rates will not rise at all unless, of course, the Insurance company goes snooping around. What the insurance company doesn't know won't hurt you
I hate to ask but if you were not inclined to claim a total loss then why were you paying for collision coverage?
Thirdly, I hope you are ok - were you in the car when you totaled it???
edited to add the "unless...snooping around." I forgot that insurance companies have more ways than one to find out about accidents.