Auto Insurance Companies That Raise Rates Without Notifying You (2021)

Auto insurance companies that raise rates without notifying you are all over the United States. After you accept your policy renewal, you'll see how much a car insurance company has increased your rates. If you're getting frustrated about car insurance companies that increase rates without telling you, shop around and compare multiple companies to secure the best policy.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 14, 2021

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A Concise Overview

  • Auto insurance companies don’t notify you when they raise rates
  • Vehicle ratings can help you determine if your auto insurance rates will go up
  • Your insurance rates will increase if you have an accident or get a traffic violation

Auto insurance companies that raise rates without notifying you can be frustrating to deal with. But you don’t have to accept the higher rates.

Read our guide to learn how to switch car insurance companies to save money on a new policy and which companies have affordable car insurance for high-risk drivers.

After learning everything about auto insurance companies that raise rates without notifying you, enter your ZIP code in the free comparison tool above to compare multiple companies near you.

Why do auto insurance companies raise rates without notifying you?

Your car insurance policy covers accidents when you’re at fault in an accident. With the right coverage options, you can get coverage when you’re not at fault.

But even if you don’t have any accidents, you could face an increase in auto insurance rates.

The same factors that gave you cheap insurance rates are the same characteristics that can drive up costs.

Car insurance companies that raise rates without notifying you may do it for some of these reasons:

  • You drive more than the estimated commute mileage
  • The area where you live has an increased risk of vehicle theft
  • Your credit score dropped
  • A speeding ticket is on your driving record
  • Your current vehicle make and model year had more filed claims last year

These are only a few details on why auto insurance companies increase rates without telling you.

You can monitor your credit score, commute mileage, and driving habits easily. However, you can track the status of vehicle insurance claims through organizations like the Insurance Institute for Highway Safety (IIHS).

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Which auto insurance companies don’t raise rates without telling you?

Most car insurance companies won’t tell you when they increase your monthly rates. Therefore, you won’t find many auto insurance companies that don’t raise rates without notifying you.

You’ll likely discover higher prices on your next monthly bill or before your renewal.

Your insurance rates won’t go up if you’re not considered to be at fault for a car accident.

Each state regulates the number of days an insurance company has to warn you about renewing your auto insurance policy.

For example, the South Carolina Department of Insurance says that insurance companies must give customers a notice 15 days before the renewal date.

However, most car insurance companies send out a notice 30 to 45 days before the renewal date. But most companies won’t mention any increase in costs.

Can I change auto insurance before the renewal date?

The short answer is yes. If you want to purchase a policy with another car insurance company, start shopping weeks before you get your renewal notice.

Don’t cancel your policy immediately. Secure a more affordable car insurance policy first.

When your policy ends, you can move to another auto insurance company without causing any gaps in coverage.

What if I can’t pay my auto insurance this month?

Let your car insurance company know that you’re having trouble making a payment. You can set up payment arrangements, or you could skip a deposit.

Should auto insurance companies be required to alert you about increased rates?

In some cases, it feels unfair when car insurance companies raise rates when you maintain a clean driving record. But a lot of things occur behind the scenes.

For instance, when drivers file higher than average insurance claims while driving a Toyota Camry, auto insurance companies respond by increasing the rates of other drivers who also have a Toyota Camry insured on their policy.

It’s nothing you did wrong. The insurance industry is adjusting costs because of risk.

State governments may change insurance laws in the future, but for now, car insurance companies don’t have to notify you of rate increases.

Auto Insurance Companies That Raise Rates Without Notifying You: The Bottom Line

Car insurance companies usually don’t give you notice about increasing rates. But you can expect your auto insurance rates to go up if you have any traffic violations during your policy period.

Now that you know more about auto insurance companies that raise rates without notifying you, use our free online quote tool below to compare multiple insurance companies in your area.

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