Compare Car Insurance Companies That Won’t Raise Rates Without Notifying You [2021]

Trying to find car insurance companies that go up without notifying you can seem like an impossible obstacle to overcome. However, car insurance companies that raise your premiums without notifying you are actually few and far between. If you have a policy that auto-renews, you’ll most likely receive a notice about changes to your rates when it’s time to renew.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 29, 2021

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Here's What You Need to Know

  • While car insurance companies usually don’t send a specific notice for rate increases, they will let you know about price changes in your renewal notice
  • There are several factors that influence your insurance rate outside of your control, such as the behavior of drivers in your neighborhood
  • You can keep your rates down by being a safe driver and paying your insurance bill on time

One of the most frustrating things about having car insurance is when your rates rise unexpectedly.

When you haven’t been in any accidents, had no tickets, and haven’t changed anything about your policy, a price increase can feel like it came from nowhere.

There are many reasons insurance can increase, but you usually don’t see them until it’s time for your policy renewal. Understanding a car insurance policy can be difficult. However, you can work to keep your rates down once you know what to look for.

Everyone wants to find car insurance companies that don’t go up without notifying you, but you’ll probably have to shop around. Enter your ZIP code in our free tool to start comparing car insurance quotes from local companies today.

Which car insurance companies go up without notifying you?

There are two ways of looking at notifications of rising insurance rates. The first is what most people would appreciate — a written notice that rates will be rising soon.

Preferably, that notice would detail precisely why you’ll be paying more.

Unfortunately, nothing says car insurance companies have to notify their customers when rates are about to go up.

However, you do receive notice in the form of a renewal letter. Most companies use auto-renewal, so you never have to worry about a lapse in coverage.

If you have an auto-renewal policy, your insurance company will send you notice before the renewal date. When you receive that notice (either in paper form or as an email), it will outline price changes and tell you your new rate.

It’s up to you to read through these changes. If they’re acceptable, there’s nothing else for you to do — you simply let the policy renew.

Take a look at the table below for car insurance rates from companies that offer auto-renewal:

CompaniesAutorenewal Y/NAverage Annual Rate
USAAY$1,933.68
State FarmY$2,821.18
GEICOY$2,145.96
NationwideY$2,746.18
FarmersY$3,460.60
American FamilyY$2,693.61
ProgressiveY$3,393.09
AllstateY$3,819.90
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If you think you can find more affordable rates elsewhere, shop around before you buy car insurance from companies that go up without notifying you.

What should you do if you don’t agree with price increases?

If you don’t agree with the rate changes or think they’re unfair, you should contact your car insurance company directly. You might be able to get the rate changed, especially if there was an error.

If you no longer wish to pay for it, you’ll have time to cancel the policy before it renews. If you decide to cancel your policy, it’s always a good idea to have a new policy lined up so you don’t have a lapse in coverage.

For the few insurance companies that don’t auto-renew, you’ll have to sign paperwork to renew your policy. Any way you do it, you’ll have a chance to decide if you want to continue your policy.

In this way, there are affordable car insurance companies that go up without notifying you and ones that do. While you can get a policy that doesn’t auto-renew, most do.

Rates vary based on your unique circumstances and where you live, but you can get an idea by looking at average auto insurance rates by age and gender.

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Why do car insurance rates go up?

While it can seem like rate hikes come out of nowhere, there are many reasons that they occur.

Some of them are obvious, like when you get in an accident or receive a speeding ticket. Others are much less obvious.

Changes in your insurance policy fall into two categories: those you control and those you don’t.

Car Insurance Changes You Can Control

You might not be aware of it, but you have a significant impact on your insurance rate. Some of the actions you take are obvious, while some might surprise you.

Driving Record: The most obvious way you impact your insurance rates is with your driving record. This includes accidents, speeding tickets, and other traffic violations.

You can avoid having your insurance raise by keeping your driving record clean.

Claims History: Next are the claims you make. This includes accidents you cause, but it can also include accidents you’re not at fault for if they happen frequently.

You can also see a raise if you make frequent claims for other damages, like windshield repairs or weather damage.

Credit Score: One thing you might not realize that can affect your insurance rate is your credit score. Many car insurance companies that raise your premium without notifying you use your credit score as part of your rate.

You can keep your rates down by keeping your credit score up.

There is an exception to this – insurance companies aren’t allowed to use credit scores to establish rates in Hawaii, Massachusetts, and California.

Surcharges: Surcharges occur for little things like late payments and big things like DUIs.

The length of time you’ll be charged is based on the severity of the mistake, but once you prove you’re a good driver, insurance companies tend to drop them.

One thing you can do to prevent surcharges is to add accident forgiveness to your policy and make sure you pay on time.

Car Insurance Changes You Don’t Control

For the most part, the actions you control make sense. However, some things can affect your insurance rate that has nothing to do with your behavior.

Marital Status: You might notice that many car insurance companies offer a small discount for married couples.

This is because married couples statistically file fewer claims than single people. If you get divorced, your rate might go up.

Age: Younger drivers tend to pay more for insurance than older drivers, so you can see your rate drop as you age. However, insurance rates tend to go back up once you reach your sixties.

Vehicle Make and Model: If there is a spike in claims from people that own the same car as you, you might see your insurance rates go up.

Location: Location plays a huge role in your insurance rates. Sometimes, the number of claims in your zip code suddenly increases, which leads to higher rates for you.

You’ll also see a price change when you move to a different area.

Lost Discounts: Taking advantage of discounts is a great way to save money on your insurance, but if you lose eligibility, you’ll see that reflected in the price of your insurance.

General Increases: Sometimes, a company simply increases the cost of its product. This can happen when the company has an increase in claims, more cars on the road, or more accidents injure or kill people.

How can I  lower my car insurance rates?

While it may seem like you have no control over your insurance rates, there are ways you can keep costs down. A few simple things can help you keep your rates in check:

  • Don’t keep policies you no longer need. For example, if you’ve paid off your car, consider lowering your coverage to save money.
  • Ask your agent if you qualify for discounts.
  • Reduce your mileage. The less you drive, the less you pay.
  • Pick a more sensible car. Luxury and electric cars cost more to repair, so they come with larger insurance rates. Similarly, cars that people stereotypically speed in come with higher rates as well.

Trying to understand car insurance rates can be confusing, but if you keep in mind all the different ways you can keep your price down, it’s a little less complicated.

Avoiding car insurance companies that raise your premium without notifying you can seem impossible, but it doesn’t have to be. If you’re ready to start comparing car insurance quotes for free, enter your ZIP code below.

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