These are my most recent monthly State Farm vehicle insurance payments, from most recent ($114.35) to sometime back in 2021 ($69.32). I have no control over how much or little they decide to take out of my bank account every month. I noticed it steadily going up over the months until suddenly my December payment DECREASED by $16.75. I really don’t feel like contacting my insurance company with this trifling question but I am curious what affects their fluctuating prices.
$114.35 (December 2025) $131.10 (November 2025) $131.10 $131.10 $131.10 $131.10 $131.10 $122.45 $122.45 $122.45 $122.45 $122.45 $122.45 $121.87 $121.87 $121.87 $121.87 $121.87 $121.87 $100.89 $100.89 $100.89 $100.89 $100.89 $100.89 $95.40 $84.24 $83.56 $83.56 $69.32 (January 2021)
Based on your monthly costs it appears that your rates are adjusting during policy renewals (as it seems to be on a 6 month cycle). Looks like it’s automatically renewing, probably with the same coverage, but whatever current rate is. As far as what affected the price, you’d have to compare itemized bills between policies and see which aspects of your coverage changed prices. Maybe one year you went long enough without a claim to get a reduction, and another the repair cost of your vehicle went up. I’m sure there are a trillion factors, but checking your old bills should tell you (likely available through state farms website)