If your Geico car insurance rate is going up on every renewal, there are number of possible culprits, including changes in your driver profile or household. If there are no changes, however, the rate increases are likely due to across-the-board rate hikes that are being seen with every company as a result of the increased costs of parts and labor as well as increased severe weather. As insurance companies have to pay out more in claims, they raise their rates to make up for it.