{"canonicalUrl":"https://autoinsuranceatlas.com/rate-filings","question":"Why did my car insurance go up?","shortAnswer":"Car insurance can rise because of carrier-wide rate filings, higher repair and medical costs, local claim trends, vehicle risk, coverage changes, or changes in your own driving profile.","updatedAt":"2026-05-16","sources":[{"name":"state DOI rate filings"},{"name":"carrier filing documents"}],"relatedEntities":["rate filing","state DOI","premium increase"]}