Rates go up based on expected costs to cover... if parts and repair labor costs go up, so does insurance. If replacement vehicle costs in case of vehicle being totaled go up (and check out the insane increase in used car prices the past couple years), then insurance goes up. If natural disasters damage/destroy vehicles more often, insurance rates go up. If theft rates go up (looking at you, Kia and Hyundai), then rates go up. And then there is simple inflation... when it costs more to hire employees, to rent offices, pay for office supplies, etc. then costs go up.