What makes auto insurance rates go up

Different insurers have different rules about what constitutes an unacceptably bad driving record. If your history gets markedly worse with serious traffic violations or you have several accidents, your insurance company may decide not to renew your policy.

Some types of accidents are worse than others—for example, a drunk driving incident is likely to trigger a nonrenewal from virtually every insurance company. Read more. Call us at to make changes to your life insurance policy. Helpful life insurance agents, who can assist you in servicing your policy, are just a phone call away.

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With just a few clicks you can look up the GEICO Insurance Agency partner your insurance policy is with to find policy service options and contact information. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website.

Any information that you provide directly to them is subject to the privacy policy posted on their website. We recognize that any increase to your premium is disappointing. Sometimes, even if you haven't had an accident or filed a claim, your insurance premiums might go up. Nobody likes paying more, so we'll share some reasons why your rate may have increased. Many different factors can influence your insurance rates. Below are just a few examples of those factors.

The car you drive, how often you drive it, and where it is kept are all factors used to determine your rate. The safer you appear to be, the less you'll pay for auto insurance. The riskier you seem, the more you'll pay. If you get a high quote, it's likely that one of the data points has indicated you're riskier to insure.

It can also be because the insurance provider uses a premium calculation method that doesn't favor your personal details. Certain risk factors may not be apparent, such as your credit history.

However, insurers have statistical data proving the relevance of certain non-driving rating factors. It's essential to know what makes your car insurance go up so that you can take the necessary measures to keep your premiums affordable. However, you have to make sure you have enough coverage to help you prevent a devastating financial loss in the event of a major accident.

Check this out if you need additional information, resources, or guidance on car insurance. New Cars. Buyer's Guide. Type keyword s to search. Today's Top Stories.

Klaus Vedfelt Getty Images. According to The Balance , the following are some of the common factors that lead to an increase in auto insurance premiums: Traffic Violations If you've committed a traffic violation, you can expect your car insurance premiums to go up. Minor Traffic Violations Following too closely Failure to yield Improper passing Improper backing Failure to obey a traffic sign or device Speeding Major Traffic Violations Careless driving Attempted felony Open bottle Driving under the influence Driving the wrong way Driving with a suspended license Passing a school bus Fleeing from the police Drag racing Vehicular homicide At-Fault Accident If you're responsible for causing a car accident and the other driver files a claim, your auto insurance rates will most likely increase.

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