Insurance rates rise via zip code.

If more claims are made in your zip or by drivers who reside in your zip it’ll effect your rate.

My friends car windows have been smashed 7x in the last few months in fishtown. I’m sure he’s not the only one (nothing visible in car obviously)

So with claims going up so will your insurance regardless of your personal claims or history.

Edit to add the window smashing was in OP same zip code.