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Cheapest Car Insurance Companies That Don’t Go Up Without Notifying You (2022)

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 25, 2021

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Key Takeaways

  • You’ll receive a notice of renewal with information about your renewed policy, including rate increases
  • Common reasons for car insurance rate increases are accidents, speeding tickets and other driving infractions, location, and other claims
  • USSA, GEICO, and Progressive have the lowest rates for high-risk drivers

Car insurance rates can change for a number of reasons, like an accident or a speeding ticket. Depending on your car insurance company, your car insurance can increase or decrease significantly.

If you’re lucky enough to experience no accidents or tickets, you’ll most likely see a decrease in your rates after your first year.

However, if you do experience some sort of change, you may notice a rate increase. When it’s time to renew, you’ll receive a notice of renewal which will include your new rates. If you believe the increase is too high, you can look into other options for high-risk car insurance.

There aren’t many car insurance companies that don’t go up in rates without notifying you. To find car insurance companies that don’t go up without notifying you, type your ZIP code in the free tool above.

Are there car insurance companies that don’t go up without notifying you?

When it’s time to renew your car insurance policy, you’ll be notified through a notice of renewal about a month before. This will include the new insurance rates, a new declarations page, new insurance cards, and any information about changes due to accidents or tickets.

Reasons your rates may increase include:

  • Accidents
  • Speeding tickets and other driving infractions
  • Comprehensive claims
  • Adding vehicles and drivers
  • Claims in your area
  • Moving to a new location
  • Age

If you set your policy for automatic renewal, you may miss the notice of renewal. So be on the lookout if you’d like to catch any changes that may have been made.

What are some of the car insurance companies that don’t raise rates too high?

It’s no secret that your rates will change over time. Which companies have the best rates, even for high-risk drivers?

Car Insurance CompanyAverage Annual RateAverage Monthly Rate
Allstate$3,638$303
GEICO$2,197$183
Progressive$2,183$181
State Farm$2,822$235
USAA$1,389$115
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USAA is known for providing cheap car insurance rates no matter the situation. However, USAA is only for military members and their families. These low rates aren’t for everyone.

Like USAA, GEICO and Progressive offer lower car insurance rates. Although slightly higher than USAA, GEICO and Progressive are available in all 50 states and to most drivers.

You can find other cheap car insurance and compare rates based on your personal driving record, behavior, and demographics.

How To Pick the Right Affordable Car Insurance Companies That Don’t Go Up Without Notifying You

There are a variety of car insurance coverage options and car insurance companies. However, choosing the right car insurance company solely depends on your preferences.

No matter which car insurance company you pick, you’ll most likely experience a change in your rates over the course of your policy.

Car insurance rate increases are common, but you’ll be notified when it’s time to renew. Any changes will be explained, and some will be expected.

If you’ve had an accident or filed a claim during the year, then you’ll most likely be aware that your rates will shift in some way.

Using the free tool below, enter your ZIP code and find car insurance companies that don’t go up on quotes without notifying you in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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