Why did my auto insurance go up at renewal with no tickets or claims?

[EleanorGH]

I just got my renewal notice and my premium has jumped up by almost forty percent, with no tickets or claims on my record. I’m trying to figure out if this is just the normal cost of insurance going up for everyone right now, or if something specific on my driving history or vehicle report is causing it.

[NoraP]

Yeah, that jump hurts. In my market rates did go up for everyone last year, but my own price still ended up higher even with a clean record.

[Logan91]

I looked at my notice and found no new tickets, yet a line item said base rate and extra risk factors changed. It felt like the whole policy got re-rated.

[Michael_M]

They also sometimes stack small increases like the loss of a discount or changes in mileage, so even a good driver can see the premium creep.

[Alexander5]

Have you checked your driving history and your vehicle report online to see what came through?