{"id":2734,"date":"2024-11-07T07:20:57","date_gmt":"2024-11-07T15:20:57","guid":{"rendered":"\/wp-site\/?p=2734"},"modified":"2025-03-03T10:06:54","modified_gmt":"2025-03-03T18:06:54","slug":"why-did-my-progressive-insurance-go-up","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/why-did-my-progressive-insurance-go-up\/","title":{"rendered":"Why Did My Progressive Insurance Go Up?"},"content":{"rendered":"\n<p>Your Progressive <a href=\"\/car-insurance\/average-car-insurance\/\">car insurance rates<\/a> may increase as a result of a variety of factors, including accidents or traffic violations on your driving record. But rates are also increasing due to economic factors affecting the entire auto insurance industry.<\/p>\n\n\n\n<p>If your <a href=\"\/reviews\/car-insurance\/progressive\/\" data-type=\"reviews\" data-id=\"48713\">Progressive<\/a> insurance rates keep rising, you can shop for a new insurer or take advantage of discounts such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paying in full.<\/li>\n\n\n\n<li>Bundling policies.<\/li>\n\n\n\n<li>Snapshot <a href=\"\/car-insurance\/what-is-telematics\/\" data-type=\"car-insurance\" data-id=\"7860\">telematics<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"progressive-auto-insurance-go-up-for-no-reason\">Why did my Progressive auto insurance go up for no reason?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Standard, industry-wide rate increases<\/h3>\n\n\n\n<p>Insurance providers have to account for regular increases in year-to-year expenses, which is why you\u2019ll often see your rate increase at <a href=\"\/car-insurance\/car-insurance-renewal\/\">policy renewal<\/a> time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Inflation and other economic factors<\/h3>\n\n\n\n<p>Inflation, increased <a href=\"\/car-repair\/\" data-type=\"car-repair\" data-id=\"42370\">car repair<\/a> costs due to high-tech parts and supply-chain issues, and increased frequency in serious accident claims have driven up insurance policy premiums for many drivers. According to Jerry\u2019s research, car insurance rates have increased 26% between 2021 and 2023.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-you-can-do-about-it\">What you can do about it<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Consider switching to a new insurance company<\/h3>\n\n\n\n<p><a href=\"\/car-insurance\/car-insurance-quotes\/\">Comparing quotes<\/a> from multiple insurers before renewal is the best way to avoid or limit rate hikes.<\/p>\n\n\n\n<p>To get a quote, you typically answer a few questions about yourself, your vehicle and your driving history. Do this with multiple providers to determine which insurer can provide the <a href=\"\/car-insurance\/best-car-insurance-companies\/\">best auto insurance<\/a> coverage at the lowest rate.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">Find affordable car insurance in minutes.<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">COMPARE QUOTES<\/a><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">2. Look at discount options<\/h3>\n\n\n\n<p>Even if you stick with Progressive, ensuring you\u2019ve taken advantage of all the <a href=\"\/car-insurance\/car-insurance-discounts\/\">car insurance discounts<\/a> you may qualify for can help you significantly lower your insurance premiums.<\/p>\n\n\n\n<p>Here are the discounts types and their average savings:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Snapshot Telematics Program ($231):<\/strong> Personalizes your rate based on your actual driving. The safer you drive, the more you can save.<\/li>\n\n\n\n<li><strong>Good Student Discount (10%):<\/strong> Available if you add a full-time student on your policy who maintains a &#8220;B&#8221; average or better.<\/li>\n\n\n\n<li><strong>Multi-car Discount (12%): <\/strong>Savings for having more than one vehicle listed on your policy.<\/li>\n\n\n\n<li><strong>Online Quote Discount (7%):<\/strong> Available when you quote car insurance online.<\/li>\n\n\n\n<li><strong>Sign Online Discount (9%):<\/strong> Earned by signing your insurance documents online.<\/li>\n\n\n\n<li><strong>Multi-policy Discount (Varies):<\/strong> Save when you have two or more policies with Progressive.<\/li>\n\n\n\n<li><strong>Continuous Insurance Discount (Varies):<\/strong> Acknowledges the time you spent with your previous insurer with a discount.<\/li>\n\n\n\n<li><strong>Teen Driver Discount (Varies):<\/strong> Helps offset the cost of adding a teen driver to your policy.<\/li>\n\n\n\n<li><strong>Homeowner Discount (Varies): <\/strong>Offered simply for being a homeowner, regardless of whether your home is insured through Progressive.<\/li>\n\n\n\n<li><strong>Pay in Full Discount (Varies)<\/strong>: Available if you pay for your policy in full up front.<\/li>\n\n\n\n<li><strong>Automatic Payment Discount (Varies):<\/strong> Given for setting up automatic payments from a checking account, credit card, or debit card.<\/li>\n\n\n\n<li><strong>Paperless Discount (Varies): <\/strong>Applies when you opt to receive your documents via email and is dependent upon signing your documents online.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Consider additional options to lower your current insurance price<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Raise your <a href=\"\/car-insurance\/car-insurance-deductible\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/car-insurance-deductible\">deductible<\/a> on <a href=\"\/car-insurance\/comprehensive-insurance\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/comprehensive-insurance\">comprehensive<\/a> and <a href=\"\/car-insurance\/collision-insurance\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/collision-insurance\">collision coverage<\/a>. Drivers who choose a higher deductible can often save money on full coverage.<\/li>\n\n\n\n<li>Take a state-approved <a href=\"\/car-insurance\/what-is-defensive-driving\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/what-is-defensive-driving\">defensive driving<\/a> course. This option isn\u2019t available with Progressive in every state, so check with your insurance agent to see if you qualify.<\/li>\n\n\n\n<li>Install an anti-theft system or park in a garage. If you decide to go with another insurance provider, they might offer comprehensive coverage discounts.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"other-factors-that-can-make-your-rates-go-up\">Other factors that can make your rates go up<\/h2>\n\n\n\n<p>Here are some other reasons you might see an increase in auto insurance rates:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Recent <a href=\"\/car-insurance\/what-is-a-citation\/\" data-type=\"car-insurance\" data-id=\"6361\">tickets or violations<\/a>:<\/strong> If you\u2019ve recently been cited for a moving violation, <a href=\"\/car-insurance\/car-insurance-claim\/\" data-type=\"car-insurance\" data-id=\"23084\">filed an insurance claim<\/a>, been convicted of a <a href=\"\/car-insurance\/what-is-a-dui\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/what-is-a-dui\">DUI<\/a> or been in an <a href=\"\/car-insurance\/at-fault-accident\/\" data-type=\"car-insurance\" data-id=\"1391\">at-fault accident<\/a>, you should expect a significant rate hike. Your rate could also rise after a <a href=\"\/car-insurance\/not-at-fault-accident\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/not-at-fault-accident\">not-at-fault accident<\/a> accident that results in a collision claim. Choosing a policy with <a href=\"\/car-insurance\/accident-forgiveness\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/accident-forgiveness\">accident forgiveness<\/a> can help you avoid this.<\/li>\n\n\n\n<li><strong>Age:<\/strong> Insurance rates peak at 18 years-old, start declining until drivers turn 75, then start to rise again, according to Progressive\u2019s data.<\/li>\n\n\n\n<li><strong>Credit score:<\/strong> Unless you live in <a href=\"\/car-insurance\/california\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/california\">California<\/a>, Hawaii or <a href=\"\/car-insurance\/massachusetts\/\" data-type=\"link\" data-id=\"https:\/\/getjerry.com\/car-insurance\/massachusetts\">Massachusetts<\/a>, providers are allowed to <a href=\"\/car-insurance\/credit-based-insurance-score\/\">consider your credit score<\/a> when calculating your insurance costs. If your score has recently dropped, your car insurance premium may rise.<\/li>\n\n\n\n<li><strong>Vehicle type and cost:<\/strong> Your vehicle\u2019s <a href=\"\/car-insurance\/actual-cash-value-acv\/\" data-type=\"car-insurance\" data-id=\"59425\">actual cash value<\/a> (ACV) affects your insurance rates, and so do its repair costs. The higher each is, the higher your rates will be.<\/li>\n\n\n\n<li><strong>Lapse in coverage:<\/strong> Even brief <a href=\"\/car-insurance\/insurance-lapse\/\">lapses in insurance coverage<\/a> can result in significant rate increases for the next several years.<\/li>\n\n\n\n<li><strong>High-risk zip code: <\/strong>If you live in an area that experiences high crime rates \u2014 especially property crimes like vehicle theft \u2014 you\u2019ll pay more for coverage than drivers living in safer neighborhoods.<\/li>\n\n\n\n<li><strong>Added a new driver or new car:<\/strong> Many people don\u2019t realize that adding drivers and vehicles to your policy often results in increased rates, especially if you add a driver with a poor driving record or an expensive vehicle.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/how-is-car-insurance-calculated\/\">How car insurance is calculated<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Xuyun.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Xuyun.png 250w, \/wp-content\/uploads\/2024\/11\/Xuyun-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Xuyun-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Xuyun-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Xuyun Zeng            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Kevin-Berry.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Kevin-Berry.png 250w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Kevin-Berry-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Kevin Berry            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance\/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Progressive car insurance rates may increase for a number of reasons, including a new driving violation, inflation and more claims being filed in your area.<\/p>\n","protected":false},"author":19,"featured_media":53956,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"39\",\"type\":\"main-author\"},{\"id\":\"187\",\"type\":\"editor\"}]","jerry_author_ids":[39],"jerry_idx_page_label":"","jerry_meta_desc":"Progressive car insurance rates may increase for a number of reasons, including a new driving violation, inflation and more claims being filed in your area.","jerry_related_posts":"[22390,29186,9141,1807,4425]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31,106,307,581],"class_list":["post-2734","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-car-insurance-premiums","tag-progressive","tag-ptr"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/2734","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=2734"}],"version-history":[{"count":14,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/2734\/revisions"}],"predecessor-version":[{"id":62046,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/2734\/revisions\/62046"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/53956"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=2734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=2734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=2734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}