Your rate
Why did my rate go up when nothing changed?
Often because costs that apply to every driver went up: repairs, parts and injury claims. Your own rate can also move for reasons specific to you, and those are the ones you can work on.
Often because costs that apply to every driver went up. Car insurance prices rose about 20% in 2023 and 11% in 2024 across the country as repair and injury costs climbed. Your own rate can also move for reasons specific to you.
Don't know a word? Press any purple word to see what it means. They're all listed at the bottom of the page.
What happened to prices
Car insurance prices, change over 12 months.
Three years of increases, then a fall
U.S. Bureau of Labor Statistics, Consumer Price Index for motor vehicle insurance. A national index, not anyone’s own price. Together the three December increases compound to roughly 38% over three years (our calculation). A fall in the index is not a promise that any one policy will go down.
Why it happened
Four costs, all across the market.
Safety tech cuts both ways
Cars with crash-avoidance sensors have about 40% fewer property damage liability claims, but each claim costs about 10% to 15% more (Insurance Institute for Highway Safety, 2026). A repair-industry report found sensor recalibration on 28% of repair estimates (CCC, 2026).
Those are costs across the whole market, which is how a rate can rise with no tickets and no claims.
What is still yours to control
These move your own price.
- Drivers and carsAdding a driver or a car.
- Tickets and claimsA new ticket or claim.
- Where you liveA change of address.
- Discounts and shoppingDiscounts that quietly lapsed, and whether you shop. Step 6 is about the ones you can change.
Remember this
A rise with no tickets and no claims can come from costs across the whole market. Comparing the same coverage is how you see what other insurers charge.
Words on this page
- Property damage liability
- Pays for damage you cause to someone else's car or property, up to your limit.