Why did my car insurance go up with Progressive?

I’m a safe driver and never had an accident, but for some reason my car insurance rates just shot up. I think it’s time to see what some other companies can offer, but before I do, could you explain this to me? Why did my car insurance go up with Progressive out of nowhere?

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Matt Terzi · Answered on Jan 04, 2023
Reviewed by Shannon Martin, Licensed Insurance Agent.
Ugh, those unexpected car insurance rate hikes are the worst, and we’re sorry you encountered it. But you’re absolutely correct about doing some comparison shopping. Few things can motivate someone to look for cheaper rates like an unexpected rate hike!
Car insurance providers measure a lot of factors when coming up with their premiums, and there’s an almost limitless list of potential causes for rate increases. Some of these issues are more obvious than others, so take your time and see if any of these issues apply to you in this case:
  • Having an at-fault car accident, or being involved in several accidents in a short period of time even if you weren’t at fault for any of them.
  • Getting serious traffic tickets for things the insurance company would consider reckless, like speeding or getting a DUI conviction.
  • Making your car insurance payments late or missing payments.
  • Changes to your credit score will affect insurance rates. This doesn’t apply to residents of California, Hawaii, Massachusetts, or Michigan—it’s illegal in those states consider someone’s credit score when determining car insurance rates.
  • Most insurance companies begin increasing insurance rates when you reach 50 to 60 years old, and your rates will go up significantly when you reach the age of 70.
  • Did Progressive give you a device to plug into your car? If so, did you surpass the estimated mileage you were expecting to drive for the year? Some car companies will raise rates if the data doesn’t match up.
  • Changes to local demographic data can affect rates for everyone in your area, too. Surges in car accidents or car thefts, as just two potential examples, can huge.
If you went through this list and none of it applies to you, you might want to call Progressive directly and ask them why your car insurance rates went up.
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