If you’ve received your car insurance renewal and noticed that your car insurance went up, even though you didn't have any accidents or traffic convictions, the reason is simply: 1: Your auto insurance company increased their rates - car insurance companies regularly change their rates, typically every three months if needed.  2: An additional premium was charged for the cost of inflation. The cost to repair or replace a vehicle typically goes up, as inflation goes up. The auto insurance premium reflects this increase in price.