Why Do Car Insurance Premiums Increase? 
Every state insurance commissioner approves the rating structure used by a company operating in its state . Rate structures reflect the companys ability to pay claims and this is monitored closely . If you experience a rate increase it is either because the rating structure or the rates themselves have changed or because your personal experience has changed . For example you could have reached an age or experience level that would cause the price to lower . You could have been convicted of a violation , or been involved in an accident . Your agent should be able to explain to you specifically why your rate changed . 