According to Randon Morris, apart from certain factors like location, marital status, age, driving record and gender that normally increase insurance rates. Auto insurance premiums can increase even when you didn't file any claim because there might be an increased number of claims from other drivers or car owners in your area.

And, another reason for this is simply because auto insurance companies have to reimburse for the annual payment that was made in claims says Randon Morris. This is usually done through rate revisions especially when their claim payout exceeds premium revenue. Those extra costs will be added to customers' payments the following year. But this is not the reason for higher auto insurance rates in 2022.

The pandemic takes a toll on everyone and with the stay-home order and business closures only a few cars are on the road and fewer people commuting to work. Since most people spend more time at home and less on the road, auto insurance companies have to give out special discounts to some of their policyholders. As businesses and offices begin to open in 2021 and people return to work there was an increased rate of fatality in the spring of the year which resulted in increased auto insurance claims.