Why Does My Auto Insurance Go Up? 
In addition to what was stated above , auto insurance can go up due to legislative reform . In some states there is a catastrophic claims division , which will reimburse insurance companies if they have excessive claims . This fund is collected through your auto-insurance carrier , but goes into a state fund . For example , Michigan has the Michigan Catastrophic Claims Association -LRB- MCCA -RRB- , which costs roughly $ 176/yr . per auto . My best advice is to review your bill with your agent and figure out which costs are incurred because of state regulations and which costs come from your insurance provider . Once you have sorted these out you can then figure out if anything can be done to lower your overall insurance costs . 