Why Did My Progressive Insurance Go Up?

If your Progressive auto policy renewed at a higher price, the cause is usually something specific to your policy or your area rather than a company-wide increase. In its first-quarter 2026 letter to shareholders, Progressive describes its overall personal auto rates as "relatively stable" and says it has been taking "targeted decreases in states and markets where margin allows" ⁴. That is a very different picture from 2022 and 2023, when the company raised personal auto rates by 13% and then 19% ².

So the short answer: a published rate change is an average across a company's existing policyholders, and your own renewal can move the other way. A new ticket or claim, a lost discount, an added car or driver, a move, or a filing by the specific Progressive company that insures you in your state can all push one bill up while the average goes down. This page walks through what Progressive has said and filed, using its own reports and state regulator records. We are not affiliated with the insurers named.

Progressive is a public company, so it explains its pricing to shareholders each quarter. Those letters are the clearest record of why its customers saw large increases a few years ago and smaller moves since.

In its first-quarter 2023 letter, Progressive wrote that it "increased personal auto rates over 13% in 2022 and an additional 4% in the first quarter of 2023" ¹. It reported that loss severity, the average cost of a claim, "was up nearly 10% for the quarter" compared with a year earlier, while claim frequency was roughly flat ¹. The letter tied this to "continued elevated loss costs due, in part, to our inflationary environment," to the rising cost to fix vehicles, and to law changes in Florida that prompted it to raise reserves ¹. It said it intended "to be aggressive with raising rates over the remainder of the year" ¹.

By the end of 2023 the company reported "personal auto rate increases of 19%, some of which still needs to earn into our book," and said it still had "a number of states where we need rate" ². "Earn into our book" matters for readers: a rate approved in one year reaches each customer only at that customer's next renewal, so many policyholders felt the 2023 increases well into 2024.

The tone changed in 2025. In its third-quarter 2025 letter, Progressive said it had "initiated rate decreases in select markets where margins allow" and that "overall countrywide rates remain relatively stable" ³. In Florida it went further: it accrued $950 million as its estimate of personal auto profit above the state's statutory limit, which Florida law requires to be returned to policyholders ³. Progressive later said every Florida personal auto policyholder active on December 31, 2025 is eligible for a credit, prorated by 2025 premium and applied first to any balance owed, then to a renewal offer ⁹.

In its first-quarter 2026 letter the company said overall rates have been relatively stable and that it continues to take targeted decreases "to further accelerate growth" ⁴. Its second-quarter 2026 letter says it keeps "reflecting the loss trends that we see in the marketplace in our rates," and notes that its newest personal auto pricing model, version 9.0, is now used in 19 states ⁵. Progressive presents new models as a way to segment risk more finely. When any insurer re-segments, some customers may see their price rise and others fall, even if the state average barely moves.

Progressive does not file rates as one company. It sells through several legal insurers, and each files its own rates in each state. The company name printed on your declarations page tells you which filing applies to you.

Louisiana. On January 7, 2026, the Louisiana Department of Insurance announced that it had approved two Progressive decreases: a 6.6% average decrease for more than 270,000 private passenger auto policyholders of Progressive Security Insurance Company, and a 4% average decrease for nearly 200,000 policyholders of Progressive Paloverde Insurance Company ⁶. The department said the changes take effect January 16, 2026 for new business and February 13, 2026 for renewals, that the percentages are statewide averages, and that each policyholder's change depends on their own risk profile ⁶. Progressive told the department the decreases were driven mainly by fewer claims ⁶.

Oklahoma. The Oklahoma Insurance Department's rate change report for January through August 2026 shows how one filing can move two Progressive companies in different directions ⁷:

Two things stand out. The same tracking number carries an increase for one Progressive company and a decrease for the other, and two filings for the same companies share the same August and September 2026 effective dates ⁷. The report lists each filing's overall impact separately and does not say how they combine for a given customer, and most of the other 2026 Progressive filings it lists are decreases ⁷. None of these averages predicts a single person's renewal.

If the averages are flat or falling, the reason for your increase is most likely on your own policy. Progressive's consumer guide lists the usual causes ⁸:

• Tickets and violations, including DUIs, which signal higher future accident risk. Several violations weigh more than one.
• At-fault accidents, and in some states not-at-fault accidents.
• Comprehensive claims such as theft, vandalism, a deer strike, glass or weather damage, which can raise a rate depending on the insurer and state.
• Adding a vehicle or driver, especially a teen driver or a car that costs more to repair or is stolen more often.
• Claims trends in your area: more theft, crashes or weather claims in your ZIP code can raise prices even for drivers with clean records.
• Moving, even within the same state.
• Age, with rates that can start rising from the mid-70s.
• A coverage lapse before you started or reinstated the policy.
• Lost discounts after an accident or violation, or when a life change ends your eligibility.

Progressive also notes that vehicle repair and replacement costs and claim costs can raise rates over time, and that increases usually show up at renewal rather than on the day something changed ⁸. That fits the 2023 letter, which pointed to the rising cost of fixing vehicles ¹.

1. Read the renewal notice line by line. Compare coverages, deductibles, listed drivers, vehicles and discounts with last term. Our guide to reading a renewal notice shows what to look for.
2. Ask Progressive what changed. Ask which factors moved your price and whether any discount dropped off. A telematics program may be one option; see how telematics programs work.
3. Check which Progressive company insures you and look up its filings. Louisiana, for example, offers an online rate filing search ⁶. Our explainer on what a rate filing is covers the basics.
4. Compare quotes from several insurers. Prices for the same driver may differ from one company to the next. You can compare quotes here.
5. Contact your state insurance department if you have a question about a filing or how your policy was rated.

Sponsored link. QuotePitStop is a lead-generation service and is paid by insurance partners when you request quotes.

For the causes that apply to every insurer, start with why car insurance goes up. For the national trend, see whether car insurance rates are going down. Florida readers can find more on that state's market at Florida. For another large insurer's recent filings, see why GEICO insurance goes up.

• ¹ Reported: Progressive's first-quarter 2023 shareholder letter, filed with the SEC; supports the 13% (2022) and 4% (Q1 2023) rate increases, the nearly 10% severity rise, the stated causes and the plan to raise rates, checked October 11, 2026.
• ² Reported: Progressive's 2023 shareholder letter, filed with the SEC; supports the 19% personal auto rate increases in 2023 and the remaining need for rate in some states, checked October 11, 2026.
• ³ Reported: Progressive's third-quarter 2025 shareholder letter, filed with the SEC; supports the select-market decreases, stable countrywide rates and the $950 million Florida accrual, checked October 11, 2026.
• ⁴ Reported: Progressive's first-quarter 2026 shareholder letter, filed with the SEC; supports "relatively stable" overall rates and targeted decreases, checked October 11, 2026.
• ⁵ Reported: Progressive's second-quarter 2026 shareholder letter, filed with the SEC; supports the statement on loss trends and the 9.0 model in 19 states, checked October 11, 2026.
• ⁶ Official record: Louisiana Department of Insurance release of January 7, 2026; supports the approved 6.6% and 4% average decreases, policyholder counts, effective dates and stated reason, checked October 11, 2026.
• ⁷ Official record: Oklahoma Insurance Department SERFF rate change report for private passenger auto, January to August 2026; supports the listed companies, tracking numbers, overall rate impacts and effective dates, checked October 11, 2026.
• ⁸ Directional: Progressive's consumer guide to rate increases; supports the list of common reasons for a higher rate, checked October 11, 2026.
• ⁹ Reported: Progressive's January 14, 2026 statement on Florida excess-profit credits; supports eligibility and how credits are applied, checked October 11, 2026.