Why does my car insurance rate increase every 6 months?

I don’t have any new accidents or claims, but I’ve noticed a $30 increase to my insurance bill for the last few renewals. Why does my car insurance keep going up every six months?

Sarah Gray · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Unfortunately, you're not the only driver asking "why did my
car insurance
go up?" every 6 months or so.
Obviously, the most common cause for auto insurance rate increases is a change in your driving record.
Traffic tickets
and especially at-fault accidents can all cause your car insurance to go up.
But your insurance rate is about more than just your driving record. Here are some other common causes behind car insurance going up:
  • Adding a driver or vehicle: Adding a new car or a
    new driver
    to your policy will almost always result in increased rates.
  • State-wide rate increases: Every state has a Department of Insurance and Financial Services, which regulates insurance at a state level. Car insurance companies are required to follow these regulations.
  • Increased claim volume: If you've filed
    claims you could see a rise in your rates, Plus, if other drivers in your area are submitting more claims, your insurance company could be increasing rates to offset this loss.
  • Moving: Your zip code has a big impact on your car insurance rates. If you've recently moved to a more populous area or one with a higher crime rate, you'll likely see increased insurance premiums.
Other common causes for rate increases include changes in
your credit score
, your age or marital status, or a loss of
car insurance discounts
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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