Exactly. Comparing rates with others who do not live in your city and/or state doesn’t tell you much. If an insurance company gets overexposed in a state they’ll raise rates, stop accepting new customers, etc. Also, be careful about comparing your rate to others - for a fair comparison, they’d have to have the exact same coverage.Also some of the rate is calculated per state. So if you live in a state that had a lot of claims, then all of their policies in that state will get an increase. Conversely if you are in a state that had few claims, then the policies in that state go down. I have only seen that scenario happen once for me though. It usually goes up.
Progressive has been my insurance company too. I like them, but I still shop around every couple years for a better rate. Someone else will always match what I pay Progressive, Progressive always keeps my rate the same to match the other outfit.It’s crazy how different the same insurance companies are in different cities/states. I’ve been with Progressive for over 7 years. My rates have gone up a little, but they’re still less than any other insurance company I’ve researched.
I had a similar experience as you when I had insurance through State Farm. It was ridiculously cheap when I started the policy, crept up in price each month for a year, then sky rocketed. That was with a clean driving record and no accidents!
As others have mentioned, check around before renewing your policy to see if somewhere else will give you a better rate.