Does Progressive Insurance Raise Rates After 6 Months? (2024)

Yes, Progressive does raise rates after 6 months in some cases. If you’re a new Progressive customer, you’ll see your auto insurance premium go up after your first 6-month policy period if you file a claim or traffic violations get added to your driving record during that time.

Auto insurance rate increases are usually related to increases in the insurance risk of the policy holder. But another reason that Progressive might raise rates after 6 months is that insurance costs market-wide have been rising over time. For example, the amount the average person spends on car insurance increased by 36% from 2010 to 2019, according to the Insurance Information Institute. However, your rate could go down for various reasons, too, like if you get married, move to a more rural area or improve your credit score.

• You had a costly accident. Progressive won't raise your rate when you file a claim for less than $500, whether it’s your fault or not.
• You filed a claim and are not a longtime customer/safe driver. Progressive won’t raise your rate when you file a claim for more than $500 if you’ve been a customer for at least 5 years and haven’t had an accident in the last 3 years – whether it’s your fault or not.
• You’ve gotten two or more speeding tickets in a 3-year period.
• You moved to a more densely populated area (considered a higher risk).
• You added a more expensive car to your policy.
• You added a new driver to your policy (especially a bad driver or teen driver).
• You started using your car for business.
• You increased your coverage.

Remember, auto insurance rates are not stagnant. While they rise as you make claims on your policy, they typically decrease as you get older, until about age 75, and as the number of years you’ve been an active driver increases. With Progressive, you can avoid rate increases on your auto insurance policy every 6 months as long as you don’t file any claims and you maintain a good driving record.