There are many factors as why auto insurance cost keeps going up.  Below are a few of those factors.

1)  The cost of car repair have increased:   All those fancy technological improvements that have been made to vehicles? Many of these components cost more to fix when they get broken in an auto accident. As a result, the average total auto repair bill has gone up.

2)  Cost of medical care has increased:   Health care costs continue to climb due to a higher incidence of disease from an aging population and unhealthy lifestyles. When you add in exorbitant medical malpractice judgments and the superfluous tests begotten by a fear of lawsuits (as well as additional taxes and fees imposed by health care regulations), you get higher patient medical bills that must be paid for by auto insurers to claimants who are injured in collisions.

3)   More uninsured drivers are on the road: Almost 1 out of every 6 drivers is reportedly uninsured. When they cause accidents, companies who insure the victims have to eat the costs — and these insurers then turn around and pass these costs onto all of their customers in the form of higher premiums.

4)   Legal fees and court-imposed damages have also increased:  Sometimes, lawyers file frivolous lawsuits in an attempt to get more money from insurance companies. Other times, insurers refuse to pay claims even though they are legally obligated to do so. The end result is more lawsuits and higher legal costs associated with paying out auto insurance claims.

5)   Accidents in certain demographic groups have increased.  If you live in a geographical area, fall into an age classification, or drive a specific vehicle category that has seen a rise in auto accidents nationwide, then your premiums will increase as a result,  even if your personal driving record is spotless.