Why did my car insurance go up without an accident?

Rates can increase due to changes in your credit score, adding drivers to your policy, moving to a higher-risk area, or overall industry cost increases.

Car insurance rates can increase even if you haven't had an accident. Factors that may cause a rate increase include changes in the insurance company’s pricing, increases in repair costs, or even your location’s claim history. It's important to regularly review your policy and shop around for competitive rates.

If you’ve just purchased a policy, the declaration page will serve as a summary document outlining your coverage and premiums.

To avoid rate increases, ensure that your insurer has accurate information about your driving record. Also, consider bundling your policies or raising your deductible to lower premiums.