Yeah but this isn’t like a personal thing,

I work in insurance as a rate analyst, I review my companies filed p&c rates as well as our competitors, geico included.

The second half of 2022 for the insurance industry was very rough on auto lines. Companies are seeing combined ratios well over 100 (CR measures profit, a cr of 110 implies you spent 1.10, for every 1 of premium written, it’s the loss+the expense ratio), and essentially driving levels have returned to pre pandemic levels, but we are seeing much higher frequency and severity of crashes. Tack onto that the rising cost of rentals/ loss of use coverage payouts, supply chain issues extending repair times and therefore increasing costs, and the lack of skilled labor causing labor rates to rise all result in the rate need for auto.

While it certainly doesn’t feel fair or just, the rate increases insurers take are justified. And if geico is raising rates say 15%, odds are their actuarial support indicates a much larger rate need to maintain profitable books.

It’s really only very recently that companies have started pushing for their full actuarial indications as rates. Insurance rate was a hard sell the past couple of years with the various state DOIs

Also depending on all of your characteristics, your individual increase may be higher than someone else’s, but it’s all filed, anyone else with your same history/characteristics is paying that price/ receiving that rate increase also

Also I can get the actual answer, but I’m almost certain geico has taken auto rate in more states than not, so it’s not nj, Geico in any state is more expensive this year than last upon renewal