When Do Car Insurance Rates Go Up? 
Rates for the various lines of coverage provided by a carrier are filed by carrier in each state they are licensed to do business in . The state insurance dept. must approve the rates used . How often this is done varies by state . A carrier may increase or decrease their rates and must provide evidence to support the change . Most states have hearings for rate changes and public input is possible . Contact your state insurance or financial services dept. and inquire about insurance rate filings to learn more about rate increases or decreases . Changes in rates may or may not have a direct effect on the premiums charged for any one policy . Premiums are determined by the application of underwriting and rating factors applied to the filed rates by insurance carriers . 