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.

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

1. Standard, industry-wide rate increases

Insurance carriers 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 shortages, and increased frequency in serious accident claims have driven up insurance policy premiums for everyone.

According to Jerry’s research

, car insurance rates have increased 26% since 2021.

3. Rate hikes in 15 states

Unfortunately, you may be on the business end of Progressive’s rate hike approvals in 15 states in early 2023.2 A move meant to help the provider improve underwriting margins amid continuing post-pandemic economic pressures.3

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. The easiest way to comparison shop is to use

Jerry

—a

licensed insurance agency

that partners with dozens of the country’s top providers to find you cheap car insurance.

Simply answer a few questions about yourself, your vehicle, and your driving history, and Jerry will browse car insurance quotes and present you with the best and most affordable options.

Josh Damico

Vice President Insurance Operations

70% of people haven't re-shopped their car insurance policy, and that means they may be leaving money on the table. If you aren't pleased with your current rate, shop around.

2. Look at discount options

Even if you choose to 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—and there are lots of discounts to choose from with Progressive:

Safe driver discount: Rewards drivers with a clean driving history and no recent car accidents, speeding tickets, or other traffic violations.

Multi-car discount: Provides savings when you insure more than one vehicle on the same auto insurance policy.

Multi-policy discount: Offers a discount when you bundle your car insurance policy with other policies, like homeowners and renters.

Snapshot discount: Rewards safe driving habits via a telematics app.

Good student discount: Rewards students who maintain good grades with discounted car insurance costs.

Continuous insurance discount: Rewards policyholders who maintain continuous car insurance coverage for six months or more.

Sign online discount: Provides savings for policyholders who sign their document policies online.

3. Pay your premium in full

If you can afford it, paying your Progressive policy in full (six months up front) can save you a lot on insurance costs. Progressive

paid-in-full discounts

vary by customer, but typically range from about 10% to as much as 20% across car insurance companies.4

4. Consider additional options to lower your current insurance price

Raise your deductible on comprehensive and collision coverage. Drivers who choose a higher deductible can save up to 28% 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. Many providers offer comprehensive coverage discounts when you help them protect your car.

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Other factors that can make your rates go up

If you don’t think we’ve nailed down the reason why you’re seeing higher rates from Progressive, here are some other reasons you might see an increase in auto insurance rates:

Recent tickets/violations: If you’ve been recently 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. In fact, especially if it results in a collision claim, your rate could increase following a not-at-fault accident as well. Choosing a policy with accident forgiveness can help you avoid this.

Age: While insurance rates generally decrease from age 25 on, drivers should expect rates to begin increasing between the ages of 70 and 75.

Credit score: Unless you live in California, Hawaii, or Massachusetts, providers are allowed to

consider your credit score

when calculating your insurance score—if your score has recently dropped, don’t be surprised if your car insurance premiums 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 a high-value vehicle.

Learn More:

How car insurance is calculated

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FAQs

Why did my car insurance go up when nothing changed?

Your 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.