I think a lot of people are seeing huge rate increases lately. There was a thread in r/nova three days ago with lots of good discussion.

My Progressive policy is up for renewal in January. Two cars, full coverage, excellent driving record, excellent credit, over five years with Progressive, and several claims during that time - none our fault (cars hit while parked on the street, etc).

I'm used to rates creeping up a little bit at each renewal, but this time I'm jumping from around $600/6 months to over $940/6 months. The information they sent with the renewal tries really hard to explain the increase, but it reads like the silliest, most contradictory thing I've ever seen come out of an insurance company. Here's the gist -- If I had time to sit here and redact the personal info I'd post it -- it's a fun read.

• I'm a 5-star VIP ultra gold something-or-another and they love having me as a customer.
• I've had a few claims. None of them were my fault and they're not holding any of them against me. But, a few sentences later, they note that they're considering those claims when determining my rate increase anyway.
• I have excellent credit. Outstanding. Some of the best in town. Exceeds expectations. Couldn't ask for more. FICO 840+. Several paragraphs of praise. But I had the audacity to apply for a single credit card 6 months ago. Sorry, gotta raise my rates.
• They did a manual review and looked at a lot of stuff that they don't look at when writing a new policy. I am specifically invited to cancel the policy and come back as a new customer where I will almost surely obtain a more favorable rate which does not take as many factors into consideration - such as that credit card I had the nerve to open. (WTF - am I a Sprint customer again? Gotta leave and come back for the best deal?)

Bottom line -- they just want to raise rates but apparently need to find any justification to do so. I'll be shopping around for another insurance company myself. Progressive's handling of our last two claims was abysmal and a number of shops in town now flat-out refuse to work with Progressive customers for some reason. I can't justify a 50% rate increase for subpar service, and if I leave, it's not going to be so I can come right back at a lower rate.