What makes car insurance go up?
Short answer: The biggest levers are your driving record (accidents and violations), the car itself (repair cost and theft risk), where you live and park, how much you drive, and the coverages and deductibles you choose.
A recent at-fault accident or a ticket is usually the fastest way to see a premium rise, and it typically takes a few years to age off. A pricier-to-repair or higher-theft vehicle, a move to an area with more claims, or added coverage all push the number up too. Some factors vary by state — which matters in Massachusetts, where credit-based scoring isn't allowed.
