What makes car insurance go up?
Written by Marc Berry
Founder and Insurance Distribution Executive
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed
Sage isn't paid by anyone today. When that changes, this note and How we make money will say so. Sage doesn't sell policies.
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.
Reviewed for accuracy by Cameron Berry
Licensed Property & Casualty Agent · NPN 20621185
Last reviewed