Why Would Car Insurance Increase? 
Whenever an insurance company pays out more in claims than it receives in premiums it will probably file with the state insurance commissioner for a rate increase . These increases are generally broken down by location so that the resulting rate will reflect the companys experience in that area . On an individual level the rate for an auto policy will increase if there is an inexperienced driver assigned to the car . It will also increase if there is an accident or violation point assessed to the car . It will also increase if the policy no longer qualifies for a discount previously given . In California it will increase if the annual mileage on the car increases . 