Best Auto Insurance Companies That Don’t Go Up Without Notifying You (2021)

Finding affordable auto insurance companies that go up without notifying you shouldn't be difficult, but if your insurance company does tend to raise your rates without notice, you can always call the company directly to check up on your policy. You can also cancel your insurance policy at anytime if the rates get too high. You can ditch auto insurance quotes from auto insurance companies that go up without notifying you and find more attentive companies online with rates starting at $124/month.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 12, 2021

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Things to Remember

  • You can contact your insurance company whenever you’d like to check up on your policy
  • If your rates are too high, you can cancel your policy anytime
  • You can shop online to find cheaper insurance companies

For people on a tight budget, facing an unexpected auto insurance rate increase can be devastating. Unfortunately, it is easy to be seduced by initially cheap auto insurance quotes from auto insurance companies that go up without notifying you.

Don’t get trapped and find yourself saying, “I can’t pay my car insurance this month,” over and over. The best thing you can do for yourself and your bank account is to look up affordable auto insurance companies that don’t go up without notifying you.

Of course, you don’t have to sit back and chew your fingernails anxiously as you wait for your insurance bill to arrive. Instead, you can be proactive and check in with your insurance company when your policy is up for renewal.

This can keep you from being caught unawares and can give you time to shop around for the best auto insurance companies for you.

If you want to avoid auto insurance companies that go up without notifying you, enter your ZIP code to start comparing free quotes from great insurance companies near you.

Which insurance companies will notify me if my rates increase?

If you need to stay on a tight budget and buy auto insurance, auto insurance companies that go up without notifying you should be avoided at all costs.

Most major insurance companies will let you know if your rates are going to increase or decrease. Typically this is done through a written notice sent prior to the due date of your next bill.

If you call your local agency on the phone when you update your policy, they should let you know if your rates will increase while you’re speaking to them.

The companies listed below are known for alerting their clients of a rate increase:

  • Allstate
  • State Farm

Both of these insurance companies also have a multitude of local offices that you can call if you would like to review your policies. Allstate and State Farm also let you access your policies via their websites so you can keep an eye on them.

On average, you can get full coverage with Allstate for $198 per month and with State Farm for $124 per month, but a variety of factors can affect your rates.

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What factors can raise my insurance rates?

If you’re concerned about your auto insurance rates, auto insurance companies that go up without notifying you may not be the best fit for you, especially since there are quite a few things that can cause your rates to increase. These can include:

  • Getting into an accident
  • Having bad credit
  • Adding a teenage driver
  • Purchasing a brand new car
  • Moving to an area that has a high rate of accidents
  • Moving to an area that has a high rate of car theft

To paint a clearer picture of how drastically location can affect your insurance rates, just take a look at how State Farm rates differ state by state:

State Farm Rates by State
State Annual PremiumHigher/Lower
than State Average
Percent Higher/Lower
than State Average
Alabama$4,798.15$1,231.1934.52%
Alaska$2,228.12-$1,193.39-34.88%
Arizona$4,756.25$985.2826.13%
Arkansas$2,789.03-$1,335.95-32.39%
California$4,202.28$513.3513.92%
Colorado$3,270.77-$605.63-15.62%
Connecticut$2,976.24-$1,642.68-35.56%
Delaware$4,466.85-$1,519.48-25.38%
District of Columbia$4,074.05-$365.20-8.23%
Florida$3,397.67-$1,282.79-27.41%
Georgia$3,384.88-$1,581.95-31.85%
Hawaii$1,040.28-$1,515.36-59.29%
Idaho$1,867.96-$1,111.13-37.30%
Illinois$2,344.88-$960.60-29.06%
Indiana$2,408.94-$1,006.03-29.46%
Iowa$2,224.51-$756.77-25.38%
Kansas$2,720.00-$559.62-17.06%
Kentucky$3,354.32-$1,841.09-35.44%
Louisiana$4,579.12-$1,132.22-19.82%
Maine$2,198.68-$754.60-25.55%
Maryland$3,960.87-$621.83-13.57%
Massachusetts$1,361.86-$1,316.99-49.16%
Median$2,731.48-$929.41-25.39%
Michigan$12,565.52$2,066.8819.69%
Minnesota$2,066.99-$2,336.27-53.06%
Mississippi$2,980.48-$684.09-18.67%
Missouri$2,692.91-$636.03-19.11%
Montana$2,417.74-$803.11-24.93%
Nebraska$2,438.71-$844.97-25.73%
Nevada$5,796.34$934.6419.22%
New Hampshire$2,185.46-$966.32-30.66%
New Jersey$7,527.16$2,011.9436.48%
New Mexico$2,340.66-$1,122.98-32.42%
New York$4,484.58$194.704.54%
North Carolina$3,078.65-$314.46-9.27%
North Dakota$2,560.53-$1,605.32-38.54%
Ohio$2,507.88-$201.84-7.45%
Oklahoma$2,816.80-$1,325.53-32.00%
Oregon$2,731.48-$736.29-21.23%
Pennsylvania$2,744.23-$1,290.27-31.98%
Rhode Island$2,406.51-$2,596.85-51.90%
South Carolina$3,071.34-$709.80-18.77%
South Dakota$2,306.23-$1,676.05-42.09%
Tennessee$2,639.30-$1,021.59-27.91%
Texas$2,879.94-$1,163.34-28.77%
Utah$4,645.83$1,033.9428.63%
Vermont$4,382.84$1,148.7135.52%
Virginia$2,268.95-$88.92-3.77%
Washington$2,499.78-$559.55-18.29%
West Virginia$2,126.32-$469.04-18.07%
Wisconsin$2,387.53-$1,218.53-33.79%
Wyoming$2,303.55-$896.53-28.02%
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Now, where you live may be out of your control, like quite a few of the other items on this list, but there are a few things you can do to keep your rates low.

How can I lower my insurance rates?

There are many ways to obtain cheap auto insurance. Following safe driving practices and working to improve your credit are great ways to lower your rates over time.

However, if you’re looking for more immediate actions to take, you should check out these discounts that are offered by most insurance companies.

Common Auto Insurance Discounts Offered by Insurance Companies
Vehicle DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer
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Discounts can produce affordable car insurance for high-risk drivers too. The next time your policy is up for renewal, make sure you’re getting every discount you qualify for so you can save money.

Auto Insurance Companies That Don’t Go Up Without Notifying You: The Bottom Line

If you need a new auto insurance company, avoid auto insurance companies that go up without notifying you. No one likes to be caught by surprise when their auto insurance rates increase.

Now, if you’ve found out that your rates have risen, you may be asking yourself, “Can I change car insurance before my renewal date?” You’ll be happy to learn that, yes, you can. In fact, you can change your insurance whenever you want to.

If you don’t want to deal with auto insurance companies that go up without notifying you anymore, enter your ZIP code to get free quotes from other companies that can provide you with low rates.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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