Why Did My Progressive Insurance Go Up?

Written by Xuyun Zeng and 1 other
Updated Mar 3, 2025

Progressive car insurance rates may increase for a number of reasons, including a new driving violation, inflation and more claims being filed in your area.

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Your Progressive car insurance rates may increase as a result of a variety of factors, including accidents or traffic violations on your driving record. But rates are also increasing due to economic factors affecting the auto insurance industry.

If your Progressive insurance rates keep rising, you can shop for a new insurer or take advantage of discounts such as:

  • Paying in full.
  • Bundling policies.
  • Snapshot telematics.

Why did my Progressive auto insurance go up for no reason?

1. Standard, industry-wide rate increases

Insurance providers have to account for regular increases in year-to-year expenses, which is why you’ll often see your rate increase at renewal.

2. Inflation and other economic factors

Inflation, increased repair costs due to high-tech parts and supply-chain issues, and increased frequency in serious accident claims have driven up insurance policy premiums for many drivers. According to Jerry’s research, car insurance rates have increased 26% between 2021 and 2023.


Learn more: Progressive car insurance review


What you can do about it

1. Consider switching to a new insurance company

Comparing rates from multiple insurers before renewal is the best way to avoid — or recover from — rate hikes.

To get a quote, you typically answer a few questions about yourself, your vehicle and your driving history. Do this with multiple providers to determine which insurer can provide the best coverage at the lowest rate.

Find affordable car insurance in minutes.

2. Look at discount options

Even if you stick with Progressive, ensuring you’ve taken advantage of all the car insurance discounts you may qualify for can help you significantly lower your insurance premiums.

Here are the discounts types and their average savings:

  • Snapshot Telematics Program ($231): Personalizes your rate based on your actual driving. The safer you drive, the more you can save.
  • Good Student Discount (10%): Available if you add a full-time student on your policy who maintains a “B” average or better.
  • Multi-car Discount (12%): Savings for having more than one vehicle listed on your policy.
  • Online Quote Discount (7%): Available when you quote car insurance online.
  • Sign Online Discount (9%): Earned by signing your insurance documents online.
  • Multi-policy Discount (Varies): Save when you have two or more policies with Progressive.
  • Continuous Insurance Discount (Varies): Acknowledges the time you spent with your previous insurer with a discount.
  • Teen Driver Discount (Varies): Helps offset the cost of adding a teen driver to your policy.
  • Homeowner Discount (Varies): Offered simply for being a homeowner, regardless of whether your home is insured through Progressive.
  • Pay in Full Discount (Varies): Available if you pay for your policy in full up front.
  • Automatic Payment Discount (Varies): Given for setting up automatic payments from a checking account, credit card, or debit card.
  • Paperless Discount (Varies): Applies when you opt to receive your documents via email and is dependent upon signing your documents online.

3. Consider additional options to lower your current insurance price

  • Raise your deductible on comprehensive and collision coverage. Drivers who choose a higher deductible can often save money on full coverage.
  • Take a state-approved defensive driving course. This option isn’t available with Progressive in every state, so check with your insurance agent to see if you qualify.
  • Install an anti-theft system, and/or park in a garage. If you decide to go with another insurance provider, they might offer comprehensive coverage discounts.

Other factors that can make your rates go up

Here are some other reasons you might see an increase in auto insurance rates:

  • Recent tickets/violations: If you’ve recently been cited for a moving violation, filed an insurance claim, been convicted of a DUI, or been in an at-fault accident, you should expect a significant rate hike. Your rate could also rise after a not-at-fault accident accident that results in a collision claim. Choosing a policy with accident forgiveness can help you avoid this.
  • Age: Insurance rates peak at 18 and start declining until someone becomes older than 75 years old, then it starts to rise again, according to Progressive’s data.
  • Credit score: Unless you live in California, Hawaii, or Massachusetts, providers are allowed to consider your credit score when calculating your insurance costs. If your score has recently dropped, your car insurance premium may rise.
  • Vehicle type and cost: Your vehicle’s actual cash value affects your insurance rates, and so do its repair costs. The higher each is, the higher your rates will be.
  • Lapse in coverage: Even brief lapses in insurance coverage can result in significant rate increases for the next several years.
  • High-risk zip code: If you live in an area that experiences high crime rates — especially property crimes, like vehicle theft — you’ll pay more for coverage than drivers living in safer neighborhoods.
  • Added a new driver or new car: Many people don’t realize that adding drivers and vehicles to your policy often results in increased rates—especially if you add a driver with a poor driving record or an expensive vehicle.

Learn more: How car insurance is calculated


MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Kevin Berry

Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.