When Do Car Insurance Rates Go Up? 
That is a difficult question to answer since there are many factors as to why auto insurance rates increase . INsurance carriers base their rates on numerous factors such as number of persons on the policy , the age of the drivers , where they live , the types of vehiclesand their driving history . If a policyholder or a listed driver on the policy has had an at-fault accident you can expect that your insurance rates will increase . If you buy a new vehicle that will also increase your premium as well . In California , the accident will stay on your driving record for three years . 