Skip to main content

Why Is My Car Insurance Going Up?

There are a few reasons your car insurance rates might go up. Maybe you got a speeding ticket or were in an at-fault accident. But sometimes, your rates go up for other reasons such as accidents, traffic tickets, or the area that you live in. If you’re wondering why your rates increased and what you can do about it, read on. 

You May Be Driving More

Car insurance rates go up and down. If you drive a lot, your car insurance company may charge you more money for insurance. This is because the more time you spend driving, the greater chance you have of getting into an accident. So if you are going to be doing a lot of driving, tell your car insurance company ahead of time so they don’t charge you more than they should.  

Where You Live

Living in an area with a high rate of car theft and accidents can cause your car insurance to go up. Insurance companies will check the safety of your area based on the amount of incidents that happens there when they decide how much you should pay for insurance. Also, living in an area with a ton of traffic can cause your rate to go up. Other things such as increased accidents, people who don’t have enough insurance, insurance fraud and increased natural disasters can all make your insurance go up. 


Auto repair costs can have an effect on why the cost of your car insurance is going up. Those expenses are associated with maintaining, servicing, repairing and replacing parts of your vehicle. Over time, prices for things have been increasing, this is called inflation. Car repair costs have also gone up because of this. This can cause your car insurance to go up because insurers have to be able to cover the cost of repairs if needed. So, it’s important to think about inflation when figuring out why your car insurance is going up. 

You May Have Had An Accident

Car accidents are always stressful and can be expensive. But did you know that your insurance rates could go up after an accident, even if it wasn’t your fault? This means that if you have an accident, even if it’s not your fault and you don’t get any points on your license, the price of your insurance might go up a lot when you renew it. It doesn’t seem fair, but that’s often how it works. So be extra careful to avoid accidents while driving so that you can keep your insurance rates low. 

Your Credit Score May Have Changed*

Did you know that your credit score can affect how much you pay for car insurance? It’s true! If your credit score is lower than it used to be, you may have to pay more for car insurance. This is because insurers think that people with lower credit scores are more likely to not pay their bills on time. Insurers generally view someone with a lower credit score as a higher risk and this can lead to a higher insurance rate. So when it comes to whether a credit score affects insurance rate, the answer is yes! So it’s a good idea to keep an eye on your credit score so that you can get the best possible car insurance rates. 

You May Be Moving To A New State Or Area

If you move to a new area, your car insurance rates might change. Insurance companies often use where you live to decide how much money to charge you, so if you move somewhere that is more dangerous, they may charge you more money. If you move to an area where more accidents happen, your rates will probably be higher. To avoid this, look up the rates in the area before you move there. That way, you’ll know how much money you’ll need to budget for car insurance. Car insurance rates can be very different from one state to another, so it’s a good idea to do your research ahead of time. 

You Might Be Buying A New Car

If you want to buy a new car, it’s important to consider that your insurance rate might increase. This is because some cars are seen as a higher risk factor than others, and many insurance companies will charge more due to this. It pays to do some research before you go out shopping, so you know what kind of insurance cost you should expect with different makes and models. 

Let Acceptance Insurance Help You Find An Affordable Rate

There are a lot of reasons why your car insurance rates could change. It’s important to remember that there are things that can affect your rates, and it’s also important to know the laws in your state. Make sure you do some research so you’re getting the best deal possible for your situation. If you’re looking for car insurance, Acceptance Insurance is a good choice — we have competitive prices and our customer service is great. So if you want reliable coverage without spending too much money, choose Acceptance Insurance for cheaper and affordable car insurance rates

Common Questions Asked About Why Car Insurance Rates Go Up

How Can I Lower My Car Insurance Premiums?

One way to lower your car insurance premiums is to shop around for better rates. This will help you understand what’s available and how much it costs. You can also compare coverage benefits and discounts, and take advantage of any additional discounts that may be available. Get a free quote from Acceptance Insurance today, and start saving on your car insurance tomorrow. 

Is There A Way To Avoid High Car Insurance Rates?

One way to keep your car insurance rates low is by driving safely. If you have a clean driving record, it means you have been driving safely in the past and this can help you get lower rates from insurance companies. They usually offer better rates to drivers who have been responsible on the road in the past. 

Does Age Affect Car Insurance Rates?

Insurers consider a driver’s age when determining rates. Older drivers are usually more experienced and less likely to have an accident, so their rates are lower. 


Material in these articles is for general information or entertainment purposes only. Acceptance Insurance does not endorse and is not affiliated with any of the companies or apps listed in this article. Acceptance Insurance is not responsible or liable for the availability of links to websites or resources, or for any content, advertising, products, services or other materials on or available through these websites or resources. Any references to third party rates or products are subject to change without notice. Trademarks are property of their respective owners. Information and coverage descriptions are general in nature. Actual coverage depends on the policy. Nothing in this article alters the terms or conditions of any First Acceptance Insurance Company, Inc. policies. Some auto policies are underwritten by third-party insurers that are not affiliated with Acceptance and are solely responsible for claims. Supplementary coverage options or products may be added to an insurance policy for an additional cost where applicable. See your agent or for more information. Product and features are subject to underwriting criteria. Price may vary based on how you buy. Not all products, discounts or payment plans are available in all states or distribution channels. All products described herein are subject to terms and conditions. CA License #0K20173. 

*Credit-based insurance score will impact your rate. 

Ready to Get a Quick Quote?