Why Would My Auto Insurance Go Up? 
You can expect your insurance to go up for a variety of reasons . perhaps the most common is the fact the a carrier has filed and is acting upon a rate increase in your state . While individual risk characteristics of your household such as number of drivers , age of drivers , driving experience and vehicle characteristics can influence the price , insurers are usually operating with the law of large numbers in the basis for taking rate changes . If you look at the book of business that an insurer has you will see that it is made up of exposures that are in aggregate different form one state to the next . For example in areas where there is a propensity for flood then insurers will want a higher comprehensive premium then in states where this is not a widespread issue . So insurers , if they are national in scope are operating within the jurisdiction of 50 different insurance departments . Some jurisdiction allow pricing decisions to be made primarily by the carriers . Other states require prior approval of changes to rate levels . As as costs go up for fixing people -LRB- bodily injury -RRB- or fixing cars -LRB- property damage -RRB- , then carriers file rate changes in the various states . So part of the answer has to be that you will see rate increase often without any change to your own circumstances . 